FAQ’s

Find answers to frequently asked questions.

Integrated Business Financing is a small business lending marketplace specializing in getting businesses into the best financing programs they qualify for. Our mission is to help American Small business owners access the capital they need to grow, manage, and reach their full business potential. With our extensive scope of programs, underwriters and lenders, we find the perfect Program for your unique business needs.

We offer a wide variety of financing solutions tailored to fit your business needs. Our products include: SBA Loans, Lines of Credit, Equipment Financing, Equipment Leases, Term Loans, Invoice Factoring, ABL Lines, Working Capital Lines, Purchase Order Financing( PO Financing), Payment Processing, Inventory Financing, Project Financing

At Integrated Business Financing, we provide a full suite of financing options to meet the diverse needs of your business. Our lending programs include:

  • SBA Loans: We offer long-term, low-interest loans backed by the U.S. Small Business Administration. These loans are perfect for businesses looking to expand, acquire real estate, or make significant investments, offering flexible terms and competitive rates. We offer SBA 7A Working Capital Loans, 504 Commercial Real Estate Loans, Bolt Loans, and the new SBA line of credit

  • Lines of Credit: Our lines of credit provide flexible, revolving credit that lets you access funds as needed. You only pay interest on the portion you use, making it a great option for managing cash flow or covering unexpected expenses.

  • Simple Interest Term Loans: These loans come with fixed interest rates and predictable payments over a set term. Simple interest term loans are ideal for businesses looking for a stable, easy-to-manage repayment structure.

  • Working Capital Lines: Designed to help with daily operational expenses, our working capital lines give businesses quick and flexible access to funds. You can draw and repay as needed to maintain smooth operations.

  • Equipment Financing: We help you purchase or lease essential equipment without tying up your capital. Spread the cost of critical machinery or technology over time, ensuring your business remains up-to-date without impacting cash flow.

  • Merchant Processing: Our merchant processing services streamline payments while reducing fees. We also offer programs like the Cash Discount Program, which passes processing fees onto the customer, helping you save money.

  • Invoice Factoring: Improve your business’s liquidity by selling your unpaid invoices to us. With invoice factoring, you receive immediate cash, helping you manage expenses without waiting on customer payments.

  • Ecommerce Financing: Tailored to the unique needs of online businesses, our ecommerce financing helps you scale your operations, invest in inventory, and cover marketing expenses, ensuring your online business grows without financial strain.

  • Project Funding: Whether you’re launching a large-scale project or developing new initiatives, our project funding options provide the capital you need to get started. We offer flexible terms and tailored financing to suit the scope of your project.

We pride ourselves on offering comprehensive financial solutions with quick access to capital, so you can focus on what matters most, running your business.

When you apply for funding with Integrated Business Financing, we prioritize speed and efficiency. Depending on the financing product you choose, we can get you approved and funded in as little as 24 to 48 hours. Products like merchant cash advances or lines of credit often have the fastest turnaround times, while more complex financing options, such as SBA loans, typically take a few weeks. We work hard to ensure you get the capital you need as quickly as possible.

Our SBA loans offer numerous benefits for small and mid-sized businesses:

  • Low Interest Rates: Enjoy some of the lowest rates available on the market.

  • Extended Repayment Terms: Benefit from repayment periods of up to 25 years, which help lower monthly payments and improve cash flow.

  • Low Down Payments: SBA loans generally require less upfront capital, preserving your business’s liquidity.

  • Flexible Use of Funds: Whether you need working capital, want to purchase real estate, or acquire equipment, SBA loans provide a flexible way to finance your business’s growth.

We’re proud to help businesses access these valuable loans, making long-term success more attainable.

A line of credit from Integrated Business Financing gives you the flexibility to access funds as needed. Once approved, you’ll have a set credit limit to draw from, and you only pay interest on the funds you actually use. As you repay, the credit becomes available again, making it a revolving source of capital for your business. It’s perfect for managing cash flow, handling unexpected expenses, or taking advantage of business opportunities as they arise.

With our equipment financing options, you can acquire the machinery, technology, or tools your business needs without paying the full cost upfront. We help you finance or lease essential equipment, spreading the payments over time while allowing you to use the equipment immediately. The equipment itself often serves as collateral, meaning no additional security is necessary. Whether you’re in construction, healthcare, or manufacturing, we make it easy to keep your business running smoothly with the right equipment.

Our simple interest term loans provide a straightforward and predictable way to finance your business. The interest on these loans is calculated based on the original principal, meaning your payments are fixed and easy to budget for over the loan’s term. With no surprises or hidden costs, simple interest loans are an excellent choice for businesses looking for clarity and stability in their financial planning.

Invoice factoring with us allows your business to turn unpaid invoices into immediate cash. Instead of waiting weeks or months for your customers to pay, you can sell your invoices to us at a discount, and we’ll advance the cash right away. This gives your business instant liquidity, ensuring you can meet expenses like payroll and supplier payments without waiting on customer payments. Once the invoices are paid, the process is complete.

Our Cash Discount Program is designed to help businesses reduce credit card processing fees by encouraging customers to pay with cash. When customers choose to pay with a credit or debit card, the program automatically adds a small fee to cover the processing cost. If they pay with cash, they receive a discount. This program allows businesses to lower their monthly merchant fees, increasing profitability without raising prices.

Applying for financing with Integrated Business Financing is easy. Simply visit our website and complete a quick online application. You’ll be asked to provide some basic business information and financial documents, such as recent bank statements or tax returns. Once we receive your application, our team will review it and recommend the best financing options for your needs. You can expect a fast response and, depending on the product, funding could be available in as little as 24 hours.