Home | Industry-Specific Business funding
Apply for Business Funding and Check Your Eligibility — In 3 Minutes
One short application. Eagle Business Loans evaluates your profile across our verified lender network and connects you with the programs you qualify for. No upfront fees. Soft credit check only.
🔒No credit check at pre-qualification
🚫$0 upfront fees — always
⚡Results within one business day
✅Verified lenders only
📍Licensed ISO · North Carolina
What Happens After You Submit
Here’s exactly what the Eagle Business Loans process looks like from your submission to funded account.
1
Profile Review
Eagle Business Loans reviews your business profile — revenue, time in business, credit range, and funding need — against the current criteria of lenders in our network.
Same business day
2
We Call You
A team member calls to discuss your profile, answer questions, collect any additional information needed, and explain which programs you’re likely to qualify for and why.
Within 1 business day
3
Offers Presented
We submit to targeted lenders and present you with every qualifying offer — including the full factor rate or interest rate, total repayment amount, term, and daily/monthly payment.
24–48 hours
4
You Choose & Get Funded
You review all offers with no pressure and select the one that works for your business — or decline all of them. Once you accept and complete final underwriting, funds are deposited.
24 hrs – 8 weeks
Quick Reference
Basic Eligibility by Program
These are the minimum thresholds for the most common programs in our network. Meeting these thresholds doesn’t guarantee approval — but falling short of them makes approval unlikely.
| Program | Min. Credit | Min. Monthly Rev. | Time in Business | Collateral | Funding Speed | Best For |
|---|---|---|---|---|---|---|
| Working Capital Loan | 500+ | $10,000+ | 6 months | None | 24–48 hrs | Payroll, inventory, ops |
| Merchant Cash Advance | 500+ | $10,000+ | 6 months | None | 24–48 hrs | Card-heavy revenue |
| Business Line of Credit | 580+ | $15,000+ | 12 months | Varies | 48–72 hrs | Revolving cash needs |
| Equipment Financing | 500+ | $8,000+ | 3–6 months | Equipment | 3–7 days | Vehicles, machinery |
| Invoice Factoring | No minimum | No minimum | Active invoices | Invoices | 24 hrs | B2B, subcontractors |
| Business Line of Credit (Secured) | 580+ | $12,000+ | 12 months | Assets / AR | 3–5 days | Higher limits, lower rate |
| Revenue-Based Financing | 520+ | $10,000+ | 6 months | None | 24–72 hrs | Variable revenue |
| SBA 7(a) Loan | 640+ | $20,000+ | 2 years | Often required | 3–8 weeks | Expansion, best rates |
| SBA 504 Loan | 640+ | Profitable biz | 2 years | Real estate/equip | 4–10 weeks | Real estate, large assets |
Requirements shown are approximate minimums. Individual lender criteria vary. No approval is guaranteed. Full requirements guide: eaglebusinessloans.com/business-loan-requirements
Be Ready to Move Fast
Documents to Have Ready Before We Call
Always Required — Have These Ready
🏦 | Business Bank Statements (Required) |
| 3–6 months of complete business checking account statements as PDFs. Not screenshots. All pages. |
🪪 | Government Issued ID (Required) |
| Driver’s license or passport for all owners with 20%+ stake. Current and unexpired. |
✉️ | Voided Check (Required) |
| Verifies routing and account number. Same account as your bank statements. Bank letter accepted if no checks. |
🔢 | Business EIN / Tax ID (Required) |
| Federal Employer Identification Number. Find on your IRS CP-575 letter or apply free at IRS.gov. |
May Be Requested Based on Your Program
💳 | Merchant Processing Statements (MCA) |
| 3 months from Square, Stripe, Toast, Clover, etc. Required for MCA programs only. |
🚜 | Equipment Quote or Invoice (Equipment) |
| Dealer quote or purchase agreement with make, model, year, and price. New or used. |
📄 | Outstanding Invoices (Factoring) |
| Copies of the B2B invoices you want to factor. Includes client name, date, amount, payment terms. |
📑 | 2 Years Business Tax Returns (SBA) |
| Complete federal returns plus personal returns for all 20%+ owners. Required for SBA programs only. |
Speed Tip: Be Ready to Move
- Download bank statements as PDFs from your bank’s portal right now
- Photograph your driver’s license in good lighting and save to your phone
- Find your EIN confirmation letter (IRS CP-575) or look it up at IRS.gov
- If buying equipment — get a written quote from the dealer before we call
- For factoring — compile your outstanding invoices in one folder
Frequently Asked Questions
Will submitting this form hurt my credit score?
No. Pre-qualifying with Eagle Business Loans uses a soft credit inquiry only — this does not affect your credit score and is not visible to other lenders. A hard inquiry only occurs if and when a specific lender pulls your credit during final underwriting. We manage and sequence hard inquiries to minimize their impact on your file.
How much does it cost to apply?
Nothing — zero. Eagle Business Loans charges borrowers no fees at any stage of the process. No application fee, no consulting fee, no success fee, no processing fee. Our compensation comes from lending partners when a transaction closes. If anyone claiming to be Eagle Business Loans asks you to pay a fee before funding, it is not us.
How quickly will I hear back after submitting?
An Eagle Business Loans team member will review your submission and contact you within one business day. For businesses that submit Monday through Thursday before 4 PM ET, same-day response is common. Friday submissions are typically followed up on Monday. If you have an urgent need, note it in the “anything else” field.
I don’t know my exact credit score — can I still apply?
Yes. The form asks for a range, not an exact number. Selecting the closest range is fine. Eagle Business Loans’ team will help identify your specific score during the review process. Don’t let uncertainty about your exact score stop you from applying — the range selection is a pre-screening tool, not a final qualifier.
Can I apply if I’ve been declined by my bank?
Yes — and this is one of the most common situations we handle. Bank declines happen because banks have narrow underwriting criteria built for their specific risk profile. The alternative lenders in our network are specifically built for businesses banks consistently decline. A bank decline does not predict your outcome through Eagle Business Loans’ network.
Am I obligated to accept an offer if I receive one?
No. Submitting a pre-qualification creates no obligation of any kind. You can receive offers, review them as long as you want, compare them, ask questions, and decline all of them if none are the right fit. Eagle Business Loans will never pressure you to accept an offer. The decision is yours and there are no penalties for declining.
What happens to my information after I submit?
Your submission is reviewed by Eagle Business Loans’ team and shared only with lenders in our verified network who are actively evaluating your specific profile. Your information is not sold to third-party marketing lists, lead aggregators, or unaffiliated companies. If you receive unsolicited contact from a company you haven’t heard of after applying, it did not come from Eagle Business Loans.
I have an existing MCA or outstanding loan. Can I still apply?
Yes — but please disclose it in the application. Existing MCA positions and outstanding loans directly affect what programs you qualify for and the terms available. Being upfront about existing obligations helps Eagle Business Loans route your application correctly and avoids wasted time. Discovering existing positions during underwriting after submission delays the process for everyone.
Ready? Your Eligibility Check Takes 3 Minutes.
Soft credit check only. Zero fees. No obligation until you accept an offer. Eagle Business Loans — licensed ISO, Morehead City, NC.
We’ll call you within one business day · Verified lenders only · $0 to you before funding
Eagle Business Loans
Eagle Business Loans is a licensed Independent Sales Organization (ISO) connecting small businesses with a verified nationwide network of lenders. We do not lend directly. Compensation is received from lending partners upon funding.
