Borrow without the runaround.
We are not a lender. We connect you to vetted partner lenders for the loan type that fits: SBA, term loans, lines of credit, equipment financing, revenue-based financing. Your books and formation make underwriting faster.
Business Lending, plainly.
Business borrowing comes in many shapes. SBA loans (7(a), 504, microloans) are government-backed and have favorable terms but slow underwriting. Traditional term loans from banks have competitive rates but tough underwriting. Online lenders are fast but more expensive. Lines of credit cover working-capital cycles. Equipment financing collateralizes the equipment. Revenue-based financing trades equity for revenue share.
The right loan depends on use of funds, business age, revenue, credit score, time horizon, and collateral. A growing e-commerce business needs different financing from a brick-and-mortar restaurant, which needs different from a SaaS company. Matching matters.
Our lender network covers all of these categories with vetted partners. We pre-fill the application with your formation documents and books data (with your permission), which often shaves 5 to 10 business days off underwriting. We do not earn referral fees that compromise the recommendation; where partners pay marketing fees, we disclose them.
Common situations.
What the network includes.
- 15+ lending partners across categories
- SBA, term, line of credit, equipment, revenue-based
- Application pre-filled with formation + books
- Soft credit pull (no hard pull until you accept)
- Multiple offers to compare
- Match by loan type, business profile, and stage
- No File.Business referral-fee bias
- Annual refinance review where applicable
Four steps. We handle the rest.
How we compare.
- 15+ lending partners
- Books and formation pre-fill
- Soft credit pull
- Multiple offers per match
- Specialty matching
- No File.Business fee
| Lendio | Fundera | Direct bank visit | File.Business | |
|---|---|---|---|---|
| Loan types | many | many | term loans | many |
| Books integration | no | no | manual | auto pre-fill |
| Soft credit pull | yes | yes | no | yes |
| Multiple offers | yes | yes | no | yes |
| Specialty match | no | no | no | yes |
“I needed $80,000 to buy inventory for the season. The bank wanted six weeks and three meetings. File.Business matched me to a partner that funded in 11 days based on my books.”
The File.Business Promise
If we miss a deadline on a service you pay us to manage, we cover the penalty. If you change your mind within 60 days, we refund our fee in full. Your data stays yours, always.
Common questions.
Does File.Business lend?
What loan types do you match for?
Does this affect my credit score?
How fast can I get funded?
What rates can I expect?
Minimum revenue?
Time in business?
Personal guarantee?
Can I refinance later?
How is matching free?
Find a lender in about 5 minutes.
Tell us a few details. We do the rest. You get a single dashboard for everything.
On the $129/yr Compliance Annual Filings plan, we cover state late fees.
When you autofile your annual report through the $129/yr plan and we miss the deadline, we pay the state's late fee. The guarantee applies to that specific plan and the filings it includes. Other File.Business services are billed at the prices on this page.