Funding Calculator
See What You Qualify For
Google Reviews
Don't take our word for it.
“Alec is a true professional and master at his craft. Made sure to weigh out and thoroughly explain all possibilities in front of me with full transparency. Highly recommend Alec and Poseidon!”
Jan 2026
“Thankful for Alec and all of his hard work on my deal. He treated me like I'm his only customer with attention to detail and care for my business. I will only use Alec in the future.”
Dec 2025
“Can't thank Poseidon Financial enough for their services in assisting my business funding! It was everything they said it would be and more. Very grateful.”
Mar 2026
“Thank you Katie and Poseidon for making this funding easy and efficient. We will recommend this company to other businesses for future funding.”
Jan 2026
“Danielle Harrington has been amazing to work with. Always responds timely and has been helpful in getting funding quickly!”
Feb 2026
“They helped me secure a loan for my clothing brand. Highly recommend. Made the process super easy.”
Mar 2026
“Alec and Danielle too! Have been very helpful. Alec spent a long time explaining important information to me, even after hours.”
Jan 2026
“Alec is very personable, very helpful, and very experienced. Thank you for all your help!”
Mar 2026
Products
What we offer
SBA Loans
Government-backed, so you get lower rates and longer terms than most business loans. Best for established businesses ready to invest in growth.
See detailsReal Estate Loans
Buy, refinance, or build out commercial property. The real estate secures the loan, so you get larger amounts and competitive rates.
See detailsEquipment Financing
The equipment you're buying secures the loan, so no extra collateral is needed. Spread the cost and keep your cash free.
See detailsLines of Credit
Draw what you need, when you need it. You only pay interest on what you use. The credit replenishes as you repay.
See detailsInvoice Factoring
Sell your unpaid invoices and get 70% to 90% of the value upfront. Stop waiting 60 days for customers to pay.
See detailsMerchant Cash Advance
A lump sum now, repaid automatically from your daily sales. Approvals in 24 hours, payments that flex with your revenue.
See detailsCredit Card Processing
Accept every major card in-store, online, or mobile. Competitive rates, transparent fees, fast setup.
See detailsPurchase Order Financing
Got a big order but not enough cash to fill it? We pay your supplier directly so you can deliver and get paid.
See detailsPersonal Loans
Borrow on your personal credit, no business credit history required. Fast funding for sole proprietors who need to move quickly.
See detailsHow It Works
Three steps to funding.
Online Application
Apply in less than 2 minutes.
Underwriting
Our team reviews your application and documents. Typically takes 2-6 hours.
Funding
Funds wired directly to your account, typically within 24 hours.
Everything you need to know before applying
Frequently Asked Questions
What do I need to apply?
A short application and 4 months of business bank statements. That's it. The whole process takes about 2 minutes.
Why not just go to a bank?
- Speed. Banks take weeks. Most of our deals fund in 1-3 days.
- Approval odds. Banks reject most small businesses. We approve a much wider range of credit profiles and revenue levels.
- Flexibility. $10K to $5M, no restrictions on use. Banks rarely go that low or move that fast.
- Less paperwork. A short application and a few months of bank statements. No 50-page packages.
Will this affect my credit score?
Our initial review is a soft pull, which does not impact your credit. A hard inquiry only happens if you move forward with an offer, and we let you know before that step.
How much can I qualify for?
Anywhere from $10K to $5M depending on your monthly revenue, time in business, and credit profile. We'll tell you what you qualify for before you commit to anything.
Do I need good credit to qualify?
Not necessarily. We work with a wide range of credit profiles. Revenue and business health matter more than your FICO score in most of our programs.
What if I already have an existing advance or loan?
That's fine. We work with businesses that have existing positions all the time. Our underwriting accounts for current obligations and finds options that make sense on top of what you already owe.
Is my information secure?
Yes. All data is transmitted over encrypted connections and we never share your information with third parties without your consent. We're not a lead generator, we're a direct funding partner.