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Fuel your business growth

Access flexible funding solutions from $10,000 to $5 million. Whether you're expanding operations, purchasing equipment, or managing cash flow, we have the capital to power your next move.

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Fast Approvals

Decisions in 24 hours

Competitive Rates

Starting at 5.9% APR

$5M

Maximum Loan Amount

5.9%

Starting APR

24hrs

Approval Decision

98%

Approval Rate

Financing Solutions for Every Stage

From startups to established enterprises, our diverse loan products are designed to meet your specific business needs.

Business Term Loans

Lump-sum funding with fixed monthly payments, perfect for major investments, expansions, or acquisitions.

Loan Amount $50K - $5M
APR 5.9% - 12%
Term 1 - 10 years
Funding 1 - 5 days
  • Fixed or variable rate options
  • No prepayment penalties
  • Flexible repayment terms
Calculate Payment

Business Line of Credit

Revolving credit access to manage cash flow, cover unexpected expenses, or seize opportunities as they arise.

Credit Limit $10K - $500K
APR 7.5% - 15%
Draw Period 12 - 24 months
Access Same day
  • Pay interest only on what you use
  • Renew automatically
  • No annual fees
Learn More

Equipment Financing

Acquire the machinery, vehicles, or technology your business needs without draining your cash reserves.

Loan Amount $25K - $2M
APR 6.5% - 14%
Term 2 - 7 years
Down Payment As low as 10%
  • Equipment serves as collateral
  • Tax-deductible interest
  • New & used equipment eligible
Calculate Payment

SBA Loans

Government-backed loans with favorable terms, lower down payments, and longer repayment periods for qualified businesses.

Loan Amount Up to $5M
APR 5.9% - 9%
Term Up to 25 years
Down Payment As low as 10%
  • Lower down payment requirements
  • Longer repayment terms
  • Competitive rates
Check Eligibility

Calculate your monthly payment

Get a clear picture of what your loan payments will look like. Adjust the sliders to match your needs and see real-time estimates.

Instant Estimates

See your monthly payment, total interest, and total cost update in real-time as you adjust.

Flexible Scenarios

Try different loan amounts, terms, and rates to find the perfect fit for your business.

No Hidden Costs

What you see is what you get. Our rates are transparent with no surprise fees.

Loan Calculator

Monthly Payment $2,004
Total Interest $20,225
Total Cost of Loan $120,225
Apply for This Loan

Get Funded in 4 Simple Steps

Our streamlined application process gets you from application to funded in as little as 24 hours.

1

Apply Online

Complete our simple 10-minute application. No lengthy paperwork or branch visits required.

2

Get Reviewed

Our expert underwriting team reviews your application and makes a decision within 24 hours.

3

Accept Terms

Review your loan offer, choose your terms, and e-sign your documents securely online.

4

Get Funded

Receive funds directly in your business account, often the same day you accept.

Frequently Asked Questions

Everything you need to know about our business loan products.

What documents do I need to apply for a business loan?
Most applications require your business tax returns (last 2 years), personal tax returns, bank statements (last 6 months), business financial statements, and a valid government-issued ID. For SBA loans, you may also need a business plan and additional documentation. Our team will guide you through exactly what's needed for your specific loan type.
How long does the approval process take?
Most business loan applications receive an initial decision within 24 hours. Once approved and documents are signed, funding typically occurs within 1-5 business days, depending on the loan type. SBA loans may take longer (2-4 weeks) due to additional government processing requirements.
What credit score do I need to qualify?
We consider multiple factors beyond just credit score, including business revenue, time in business, and industry. Generally, a personal credit score of 640+ and business credit score of 160+ (D&B PAYDEX) are preferred. However, we work with businesses across the credit spectrum and can often find solutions for those with lower scores.
Are there any prepayment penalties?
Most of our business loans have no prepayment penalties, allowing you to pay off your loan early without additional fees. Some SBA loans may have a small prepayment penalty during the first few years, which will be clearly disclosed in your loan agreement.
Can I use the loan for any business purpose?
Yes, our term loans and lines of credit can be used for virtually any legitimate business purpose, including expansion, working capital, inventory, marketing, hiring, or refinancing existing debt. Equipment financing is specifically for purchasing equipment, and SBA loans have specific eligible uses outlined by the SBA.
Do I need to provide collateral?
It depends on the loan type and amount. Equipment financing uses the equipment itself as collateral. SBA loans typically require collateral for larger amounts. For term loans under $250K, we often offer unsecured options for qualified borrowers. Our team will discuss the best structure for your specific situation.

Ready to grow your business?

Join thousands of business owners who have trusted PinnaclePB to fund their success. Apply today and get a decision in 24 hours.

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