Wise Business Loans


Most people can’t afford to wait for banks because they require large amounts of paperwork, financials, tax returns, personal guarantees, collateral and high credit. Many entrepreneurs and small to medium sized business owners do not know where to go when traditional banks cannot fund their loan requests to working capital, expand their businesses or better manage their cash flow. At Wise Business Loans we’re 100% focused on small business.

Our Story
We launched in 2005 to solve a major issue facing small businesses: getting money. As owners of a fledgling business doing $18M in annual revenue, we were unable to access the financing we needed to continue to grow. So we combined our passion for being a small business owner who lived in the trenches with the latest technology to evaluate businesses based on their actual performance, not personal credit. We understand the challenges of building a business through equity, debt and off-balance sheet financing, maintaining cash flow, making payroll, business expansion and inventory/equipment management.

That’s enabled us to say, “yes” more often and faster than traditional lenders. And that lets owners spend their time where it should be—on growing their business, not seeking financing.

Our Team
Small Business and Technology Experience – Our team of seasoned professionals has the knowledge and experience to answer the needs of entrepreneurs. We forecast based on the success of small businesses, with a unique approach proven to be highly predictive of actual risk. This means a higher approval rate and broader range of offers for our customers. 3 out of 4 customers return 2 – 3 times a year. To us this only means one thing – it works!

Our Process
Running a business is hard work. Getting funding from Wise Business Loans is not. We will offer our performance-based model that makes fair financing available to thousands of well-run businesses that just miss the cut for traditional bank loans. We will analyze the volume of cash flow in your business, which is a better indicator of your company’s financial health than your personal credit score. This allows us to lend to businesses that would otherwise be locked out of fairly priced capital. By changing the evaluation process, Wise Business Loans has made it easy for you to receive loan at fair rates.

Our Mission
At Wise Business Loans our mission is to provide business owners the capital to achieve financial credibility resulting in your business, which provides you, the owner, long-term access to capital and wealth. Together we will positively impact the survival and success rate of Small Business in America.

Loan Features

What could your business do today with an additional $10,000 to $2,000,000? Expansion & Renovation, Cash Flow, Working Capital, Invest in Newer Technology, Insurance & Tax Payments, Hire Additional Staffing, Bulk Supply Purchase, Marketing, Purchase Equipment, Consolidate Debt

Small businesses have always had trouble getting bank loans. Many are declined because banks base their evaluations solely on the owner’s credit standing. Others need capital immediately and banks are unable to respond in time. Funding Your Dreams When a Bank Loan is NOT an Option. As a Lender we offer our performance-based model that makes fair financing available to those that just miss the cut for traditional bank loans.

We analyze the cash flow in your business, which is a better indicator of your company’s financial health than its credit rating. We took the bank model, shook it upside down and then threw it out. Expedited Funding in as little as 2 days with minimal paperwork and no personal guarantee programs.

Get the Personal Service You Deserve
Our mission is to help business owners achieve their goals by giving them access to money. It’s that simple; 3 out of 4 clients re-borrow several times a year. Why? Because it works!

Don’t Be Turned Down Because of Bad Personal Credit Anymore
You may be a young company, have poor personal credit, be losing money, or lack collateral, but that doesn’t necessarily mean you’re not fundable. Call 888.456.9223 now and get $10K to $2M in as a little as 2 days.

Get the Funding You Need Quickly
Our lending process is simple so you can make quick decisions. Call 888.456.9223 now and get the funding you need in as a little as 2 days. We make sure that you get the loan that’s right for you, as fast as possible. Minimal paperwork, Quick Approvals, Call Us Now. It Doesn’t Cost You More Money for Top-notch Service. Our staff is well trained to support your business and provide a solution just for you. We’ve perfected our lending model and support nearly 50,000 businesses.

Application Process

To initially apply for a Wise Business Loan, you’ll complete a simple one-page online application with:

Your legal business name.
Your full name and contact information.
Your company’s type or industry and years in business
Your business’s annual gross revenue.
Your business’s monthly credit card sales.
The loan amount you’re requesting.

Application Criteria:
1. Been in business for at least a year.
2. A personal credit score of at least 500.
3. Attained business revenue of at least $100,000 in the 12 months prior to applying.

Repayment Terms

Min Loan Amount $10,000
Max. Loan Amount $2,000,000
Daily loan repayment.

You’ll need to go through the process of applying for a loan before you learn the rates and terms you qualify for.

Customer Support


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