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 consider a business loan with Poseidon?
We work with 100+ lenders across every major funding product: MCA, SBA, equipment financing, lines of credit, and more. You fill out one application. We find the best fit for your business based on your revenue, credit, and what you actually need the money for.
What are the current interest rates on Poseidon's unsecured working capital loans?
Our working capital products use a fixed factor rate, not a traditional interest rate. The total cost is set upfront and does not change. Your factor rate depends on credit score, revenue, industry, and term length. Because these are short-term products, the annualized rate looks higher than a bank loan, but the total dollar cost is often less than long-term financing.
How is an alternative lender better than a traditional bank?
Banks move slow, ask for a lot, and turn down most small businesses. Alternative lenders flip that equation.
Easier qualification: Lower minimums for revenue, time in business, and credit score. Faster funding: Shorter applications, fewer documents, and approvals in days. Some deals fund in 24 hours. Flexible amounts: $10,000 to $5 million, no restrictions on how you use it. Most banks won't go that low or that high. Higher approval rates: Simpler process, broader criteria, more approvals across small and mid-size businesses.
Are there any fees associated with your services?
No hidden fees. Every cost is laid out before you sign anything: factor rates, terms, origination fees. You'll know exactly what you're paying before you commit.