We can fund as fast as same day. Most approvals happen within hours of submitting your application and last 4 months of business bank statements. Once you accept an offer, funds typically wire the same business day. SBA loans take longer due to underwriting requirements — usually a few weeks. Talk to a representative for a timeline on your specific situation.

We offer six core funding products tailored to different business needs: Merchant Cash Advances (MCA), Lines of Credit, SBA loans, Term Loans, Equipment Financing, and Invoice Factoring. Each is built for a different stage and use case — quick cash flow needs vs. long-term expansion. Browse the full breakdown on our products page.

Most of our funding programs require a minimum $10,000 in monthly revenue and a credit score of 500 or higher. Time in business varies by product — some programs accept newer businesses, others prefer established operations. The best way to know what you qualify for is to apply — pre-qualification is quick and won't affect your credit.

No. We use a soft credit pull during pre-qualification, which has zero impact on your credit score. You can see what you qualify for risk-free. A hard pull only occurs if you proceed with a specific lender at the funding stage — and we'll always tell you before that happens.

For most funding products, you only need three things: a completed one-page application, your last 4 months of business bank statements, and a copy of your driver's license. SBA loans and larger term loans may require additional documents like tax returns or financial statements — your funding specialist will tell you exactly what's needed for your specific request.

We fund all legal businesses across the United States — from restaurants and retail to construction, trucking, professional services, healthcare, manufacturing, and beyond. Whether you're a single-location operator or a multi-state business, we've likely worked with companies like yours. Our network of 30+ lending partners gives us flexibility most direct lenders can't match.

Onebox Funding is a business loan brokerage. We don't lend our own capital — instead, we connect small businesses with our network of 30+ trusted funding partners to find the best fit for each unique situation. This means more flexible approvals, more competitive offers, and one application that gets shopped to multiple lenders. Since 2017, we've helped over 6,000 businesses secure more than $375M in funding this way.

Often, yes. Our credit floor is 500+, which is lower than most banks. We also work with business owners who have past defaults, tax liens, or even open bankruptcies on a case-by-case basis. Because we work with 30+ lenders — including alternative funders who prioritize cash flow over credit — there's usually an option even when traditional banks have declined. The only way to know for sure is to apply.