Traditional bank financing
Where the business fits bank criteria, a traditional bank path may be considered through an appropriate provider.
Timing varies by provider and fileBusiness Loans
Business Loans for U.S. Companies
Fund That helps U.S. businesses explore business-loan structures based on the financing need, business profile, documentation and available provider criteria. Where a traditional bank process does not match the timing of the need, other financing paths may also be considered.
More than one path to capital
Start with the business case, then match it to the right financing channel.
A strong commercial financing request is more than an application form. The financing provider needs to understand the business, the purpose of the capital and the ability to repay it.
Fund That works as a commercial financing broker. We review the request, help organize the financing story and explore suitable providers based on the circumstances of the business. Businesses with a specific operating cash-flow need can also review working capital financing, while recurring access to capital may be better suited to a business line of credit. Asset purchases may fit equipment financing.
- Understand the amount, purpose and timing of the financing
- Review the business profile and available financial information
- Determine whether a conventional bank or another financing provider is the better starting point
- Coordinate the financing submission and follow-up through the applicable channel
Traditional bank financing
When traditional bank financing fits the business, we can help prepare the request for the appropriate financing channel.
Where a business is a suitable fit, Fund That can help organize a bank-ready financing request, coordinate supporting information and guide the business through the submission and underwriting process with an appropriate participating provider.
Build a bank-ready financing story
We clarify the amount requested, use of funds, business history, repayment capacity and commercial rationale behind the financing.
Package the supporting information
The bank may require year-end statements, interim results, tax information, projections, debt details, ownership information and other documents. We help keep the request organized.
Submit and manage the process
Where the file fits, we coordinate the submission through the appropriate financing channel and follow up as the financing provider completes its review.
Timing and approval: Commercial financing timelines vary by provider, transaction and documentation. Fund That is not the lender. All approvals, pricing, security requirements and final terms are determined by the applicable financing provider.
Bank financing + interim cash flow
Wait for the right bank facility—not for the cash your business needs today.
A strong bank file can still leave a timing gap. If the long-term bank loan is expected to take several weeks, Fund That can also explore temporary financing through other lenders to inject working capital into the business while the bank request is being completed.
Some alternative or interim financing options may move more quickly than a traditional bank process, depending on the provider, business profile, documentation and transaction. Timing is not guaranteed.
Once the bank financing funds, the temporary facility can typically be repaid or refinanced from the bank proceeds, subject to the interim lender's repayment and prepayment terms.
Interim business financing
Short-term capital may be considered while a longer-term bank file is still in progress.
Timing varies by provider and fileRepay when the bank funds
When the long-term facility closes, bank proceeds may be used to pay out the temporary financing, subject to the agreed loan terms.
Structured with the transition in mindImportant: Interim financing is a separate credit decision and is not guaranteed. Short-term or alternative financing can carry higher costs than conventional bank financing, so we review the repayment strategy, total cost and prepayment terms before you decide whether it makes sense.
A broader lending network
Explore more than one financing path.
Fund That can help businesses evaluate different financing channels based on structure, industry, collateral, timing and the purpose of the financing. Available providers and products vary by applicant and transaction.
01
Traditional banks
Longer-term conventional commercial financing for established businesses that fit bank underwriting requirements and can support the documentation process.
02
Credit unions & regional institutions
Commercial lending programs that can be a strong fit based on geography, industry, relationship or transaction structure.
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Alternative business lenders
Non-bank financing for speed, flexibility, working capital, interim needs or situations that do not line up with traditional bank criteria.
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Private & specialty capital
Specialized financing structures for transactions that need a more customized approach, including short-term or asset-supported situations.
What lenders may review
A stronger file gives the lender a clearer picture of the business.
Requirements vary by financing provider and transaction. Depending on the request, a commercial lender may ask for some combination of the following:
- Recent year-end financial statements
- Current interim financial results
- Business bank statements or cash-flow information
- Corporate tax information and notices of assessment
- Existing debt and payment obligations
- Business plan, use-of-funds detail or financial projections
- Ownership, guarantor or security information where required
Do not send sensitive financial information by ordinary email unless a Fund That specialist has provided an appropriate secure method.
Is it a fit?
Match the product to the purpose.
Financing should solve a defined business need—not create a new one.
Often a good fit for
- A defined investment, acquisition or project
- A larger one-time capital need
- A business with operating history and predictable revenue
- Owners who want a clear repayment structure
May require a different approach
- Very new businesses with limited operating history
- Short-term needs that change significantly month to month
- Requests where the intended use of capital is not yet defined
Fund That
The goal is the right long-term fit—not simply the fastest approval.
If a traditional bank is the right destination, that route can be considered alongside other financing channels when timing or underwriting needs differ. Available options depend on the business and provider criteria.
What to look for
Understand the structure before you sign.
Funding amountBorrow enough for the business objective while preserving manageable cash flow.
Repayment structureCompare payment frequency, term length and whether early repayment changes the cost.
Total costReview the full cost of financing—not only a headline rate.
ConditionsConfirm security, guarantees, documentation and any restrictions before accepting.
Common uses
Put the capital to work where it matters.
Expansion
Add a location, capacity or service line
Inventory
Prepare for peak season or larger orders
Renovations
Refresh or build out business space
Hiring
Add people ahead of growth
Marketing
Fund customer acquisition initiatives
Acquisitions
Finance a business, location or strategic opportunity
Business Loan Guides
Prepare for larger and planned business financing needs.
Explore guides covering common requirements, financing structures and growth-related uses of capital.
Business Loan Requirements
Review common documentation and underwriting information.
Secured vs Unsecured Loans
Understand how collateral and security can affect a financing structure.
Business Acquisition Financing
Learn what providers may review in a business-purchase transaction.
Business Expansion Financing
Explore financing for locations, hiring, systems, inventory and capacity growth.
FAQ
Questions business owners ask.
Can Fund That help prepare a traditional bank financing request?
Fund That can help organize the financing request and supporting information and, where an appropriate provider relationship is available, assist with the submission process. The provider makes the final credit decision and determines pricing, security, documentation and all other terms.
How long can traditional business financing take?
Timing varies based on the institution, transaction complexity, documentation, appraisal or security requirements and how quickly requested information is provided.
What if my business needs cash before the bank finishes its approval?
Where appropriate, temporary working-capital or interim financing options may be considered while a bank request continues. Availability, cost and timing depend on the provider, business profile and lender conditions.
Can the temporary loan be paid off when the bank loan funds?
That can be the intended strategy. When the bank facility closes, its proceeds may be used to repay or refinance the interim facility, subject to the temporary lender's repayment and prepayment terms. We recommend confirming those terms before accepting interim financing.
Why would I use Fund That instead of applying to one bank directly?
Fund That can help organize the request and explore different financing channels when another structure, timeline or underwriting approach may make more sense. The goal is to help the business understand the available paths and next steps.
How much can I borrow?
Available amounts vary by lender, business revenue, operating history, credit profile, available security and the purpose of financing.
Will I need collateral or a personal guarantee?
That depends on the financing product and provider. Some facilities may be unsecured while others can involve business assets, guarantees or other security.
What happens if a bank does not approve the request?
The financing conversation does not necessarily end. Where appropriate, Fund That can explore alternative commercial lenders, private capital or other structures within its broader lender network. Alternative financing is not guaranteed and may have different pricing, terms or security requirements.
Ready to explore business financing?
Tell us about your business, how much capital you need and what you plan to accomplish.