Funding Calculator
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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 70–90% 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. We match you with the lowest processing rates available.
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.
Frequently Asked Questions
Answers to common questions
Why work with Poseidon instead of going direct?
You fill out one application. We send it to 100+ lenders and bring back the best offer. Going direct means applying one at a time, getting one answer, and hoping it's competitive. We make them compete for your business.
How much does it cost?
Most of our products use a fixed factor rate, so the total cost is locked in from day one. No surprises, no compounding. Your rate depends on revenue, credit, and term length. We break down every dollar before you sign anything.
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. Our lenders 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.
Are there any hidden fees?
No. We show you the full cost upfront: factor rate, total payback amount, and any origination fees. If a deal doesn't make sense for your business, we'll tell you.