Small Business Funding

06/26/2025

Brokers get a bad rap, but what if it's really just about helping people??

Read the full story on Substack:
https://mmcdevitt.substack.com/p/the-middleman

06/18/2025

03/25/2025

Got a call from a property management firm in Michigan last month.

13 years in business.

Managing 2,000+ units.

Just won two new contracts.

But here's where it gets interesting...

They needed $100k fast for:

➡️ Equipment purchases
➡️ New staff hiring
➡️ Operational setup

Credit score? Average. ❌

Time in business? Solid. ✅

Cash flow? Strong. ✅

The result: Funded in under 24 hours.

Why this worked:

1️⃣ Clear use of funds
2️⃣ Proven business model
3️⃣ Strong industry experience
4️⃣ Documented growth opportunity

Sometimes the best deals aren't about perfect credit - they're about perfect timing.

Let us help your business at

Small Business Funding Mission Is To Provide Funding For Small Businesses So They Have the Working Capital Necessary To Succeed In Today's Business World

03/17/2025

Your business needs money today, but the bank is giving you the runaround and you're getting harassed by an army of loan brokers..

We can get you from $50K up to $5M for:

✅Working Capital
✅Business Acquisition
✅Equipment

And we promise not to harass you - just an honest conversation about what you need, and what options are available.

Go to www.SmallBusinessFunding.com or click below and call us, ask for Noah!

03/07/2025

We got a call from a property management firm in Michigan last month.

13 years in business.

Managing 2,000+ units.

Just won two new contracts.

But here's where it gets interesting...

They needed $100k fast for:

➡️ Equipment purchases
➡️ New staff hiring
➡️ Operational setup

Credit score? Average. ❌

Time in business? Solid. ✅

Cash flow? Strong. ✅

The result: Funded in under 24 hours.

Why this worked:

1️⃣ Clear use of funds
2️⃣ Proven business model
3️⃣ Strong industry experience
4️⃣ Documented growth opportunity

Sometimes the best deals aren't about perfect credit - they're about perfect timing.

What's the fastest you've had to scale up your business for a new opportunity?

www.SmallBusinessFunding.com

02/18/2025

Another SBA 7(a) loan funded, this one for $300K to an old school shot-and-a-beer type of drinking establishment in my hometown, which is always a pleasure.

01/24/2025

You know what my old boss told me that changed everything?

"Your problem is you have a hard time working for people. You need to run your own business."

At the time, I was working in commercial real estate, helping clients find office space and managing self-storage acquisitions.

That comment stuck with me for years.

It wasn't meant as a compliment, but it became my compass.

Here's what I learned about feedback that feels like criticism:

1. Sometimes your "weaknesses" are actually indicators of where you
should be
2. The traits that make you "difficult" in one role might make you
exceptional in another
3. Not fitting in isn't always bad - it might be pushing you toward your
true path

Today, I run Small Business Funding, helping entrepreneurs get the capital they need to grow.

Turns out that boss was right - I did need to run my own show.

What's the best "negative" feedback you've ever received that turned out to be a blessing in disguise?

01/17/2025

Meet Noah Block, he's been a Funding Manager here at SmallBusinessFunding.com for the past two years where's he's handled hundreds of transactions for some of our very best clients.

Like most other employees here, Noah is a former business owner himself, launching and operating several companies in the cannabis space, one of which was a $3M/year business.

He is intimately familiar with and has real world experience in:

- Raising capital from investors for a startup
- Hiring and managing a staff of employees
- Sourcing and utilizing debt, including the products we offer
- Operating a business through both successful, and stressful times
- Navigating an exit

We like to bring folks on board who have owned and operated businesses themselves, because it allows us to offer more than just a loan service.

Our clients get to consult with people who have been in the trenches before like Noah, who can relate to many different scenarios a small business owner may find themselves in.

You can reach out to Noah directly at [email protected] with any questions you might have!

01/05/2025

The reality for small business owners is that your personal credit still very much matters.

Over the past 12 years I've worked on thousands of loans/lines of credit advances for small business owner and I've seen folks with credit scores of 850 all the way down to sub-500 get approved.

I don't care if your business does $7M/year or $700K, you will not get the best terms available unless you have a solid credit score.

Please Note: it does not have to be perfect, it just has to be "Good".

"Good" is very subjective, but (very) generally speaking it should be ~675+.

Here's what contributes to a "Good" score:

1.) Robust credit file/history - A 750 credit score doesn't actually mean much if you have a thin credit file, i.e. not many tradelines and/or not a long history. Ideally you'd want to have a seasoned credit history over at least 7-10 years, showing a mortgage, auto loans, and revolving credit (credit cards) tradelines.

2.) Utilization - speaking of credit cards, you want to make sure you're not even close to being maxed out on your overall "utilization", which is your total balances on those cards divided by the total of all the limits on those cards. Ideally you'd be at no more than 30% - 50%, which again is subjective depending on the lender, but this a decent target to shoot for.

3.) Payment history - goes without saying, but payments need to made on time. Older missed payments can potentially be given less weight, and if you have a reasonable explanation on a limited number of more recent missed payments that can sometimes help, but if you know you're going to need to borrow sometime soon make sure the recent pay history (previous 12 months) looks clean.

Having said all that, I know its not that easy. Most small business owners have at some point taken on a significant amount of personal debt to fund their business - unless you took on investors you almost have to starting out.

And, if your business is profitable and performing well financially that will be considered in the underwriting review as well, and can sometimes make up for a weaker credit score.

Either way, there are loan products available for just about every credit score out there (even sub-500, and yes that score exists!). But taking on debt is one of the most important business decisions you will ever make, and you often (quite literally) can't afford to pay any more than you absolutely have to.

Go into it eyes wide open, knowing what to expect.

https://www.smallbusinessfunding.com/

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12/19/2024

12/03/2024

https://customer.smallbusinessfunding.com/Application/Business

Apply Now

08/13/2024

For the 2nd year in a row the U.S. Small Business Administration is waiving its Annual Service Fee on loans =