Services – Barbara

Business
Loan Programs

At Efunding Express, we believe that every ambitious business deserves the opportunity to grow, without being held back by slow, complicated financing. We’re a financial technology company built on the principle of providing fast, simple, and intelligent funding solutions that put your business needs first.

SBA Loans (Small Business Administration Loans)

7(a) Loan Program:

The most popular SBA loan, offering up to $5 million with competitive interest rates and long repayment terms (up to 25 years for real estate).

504 Loan Program:

For businesses purchasing real estate or heavy equipment, offering long-term fixed rates

Equipment Financing:

Loans up to $50,000 for smaller working capital needs, with lower qualification requirements.

Business Loans:

Loans for businesses affected by natural disasters, including working capital and physical damage coverage.

Term Loans

Traditional Term Loans: Offered by banks or online lenders, these loans provide a lump sum with a fixed repayment schedule over a set period (typically 1 to 10 years).

Short-Term Loans: Loans with a shorter repayment period (typically 3 to 18 months), often used for quick working capital or immediate needs.

Business Lines of Credit

A Business Line of Credit is a flexible loan that lets a business borrow up to a set limit and only pay interest on the amount used — kind of like a credit card for business expenses.

Equipment Financing

It’s is a type of loan used to purchase business equipment — the equipment itself serves as collateral until the loan is paid off.

Invoice Financing (Factoring)

It is when a business gets cash upfront by selling its unpaid invoices to a lender or factoring company, instead of waiting for customers to pay.

Merchant Cash Advances (MCA)

It is a lump-sum payment given to a business in exchange for a percentage of its future sales.

Business Loans

These are lump-sum amounts borrowed by a business from a lender, repaid over time with interest, to fund operations, expansion, or other business needs.

Commercial Loans

These are large loans provided to businesses (not individuals) to finance major expenses like real estate, equipment, or expansion projects.

How It Works:

Three Steps to Funding Your Future

01 Apply

Submit the easy online applicationwithin minutes and a Capital Specialist willcall to discuss your funding request

02 Get a decision

You will receive your approval status in as littleas 4 hours after submitting

03 Receive your Funds

You’ll receive a lump-sum payout in as littleas 24 hours of offer acceptance. Spend it at your ownpace, as you need it

Frequently Asked Question

You’ll receive a lump-sum payout in as little as 24 hours of offer acceptance. Spend it at your own
pace, as you need it

What types of businesses qualify for funding?