Loan program

Personal Loan Alternatives for Business

Access up to $250,000 in personal funding with a 0% promotional interest period. Ideal for business owners who need flexible capital without business documentation requirements. Personal loan funding is based primarily on personal credit rather than business performance. The 0% promotional period allows interest-free borrowing for a limited time, with competitive rates (6%–29% APR) applying afterward based on creditworthiness.

• Up to $250,000 depending on personal credit score, income, and debt-to-income ratio
• 0% interest for the promotional period (length varies by loan amount and credit profile)
• After promotional period, APR typically ranges from 6% to 29%
• Fixed monthly payments over 12 to 84 months
• Funding typically within 1–5 business days after approval
• Minimal documentation — no business financials or tax returns needed in most cases
• Personal credit score of 660+ required (700+ for best rates)
• Debt-to-income ratio under 45%
• No collateral required (unsecured)