Business Details
Fast Business Loans Up to $1 Million
My Easy Capital is a business lending platform specializing in fast, accessible funding solutions for small businesses. With a 90% approval rate, we prioritize innovative underwriting technology over traditional credit scorecard methods, enabling approval for businesses with challenged credit histories. Our services include working capital loans, business lines of credit, SBA loans, and real estate financing, with funding available up to $1 million within 24 hours. We emphasize no personal guarantees, no collateral requirements, and no impact on personal credit during the application process.Our team of dedicated funding specialists guides clients through customized financing options, while our business credit-building system helps establish EIN-linked credit profiles separate from personal credit. With over $70 million funded globally, we combine technological efficiency with personalized support to address cash flow challenges and growth opportunities across diverse industries.
Services
Working Capital Loans
Business Line of Credit
Business Term Loans
SBA Loans
Real Estate Loans
Highlights and features
- We offer a 90% approval rate for businesses with challenged credit histories.
- Our funding process requires no personal guarantees or collateral.
- Dedicated specialists provide personalized guidance for all financing needs.
- Business credit-building programs establish EIN-linked credit separate from personal scores.
- Quick funding available up to $1 million within 24 hours of approval.
What people say
Fast funding
No credit impact
Dedicated specialists
Credit-building success
Quick approvals
Services
Working Capital Loans
Working capital loans provide immediate cash flow for operational expenses like inventory purchases, payroll, and equipment upgrades. These unsecured loans require no collateral or personal guarantees, making them ideal for businesses with inconsistent cash flow. Clients benefit from fast approvals within 24-48 hours and flexible repayment terms aligned with business revenue cycles.
Business Line of Credit
A business line of credit offers flexible access to funds up to a predetermined limit, with interest charged only on amounts used. This solution suits seasonal businesses needing cyclical cash injections for staffing or inventory. Funds disburse within days, with repayment terms structured to match revenue patterns without fixed monthly payments.
SBA Business Loans
SBA loans provide long-term financing up to $350,000 with competitive interest rates starting at 6.50%. These loans suit businesses seeking extended repayment terms (up to 10 years) for equipment purchases, marketing, or debt refinancing. Approval prioritizes cash flow viability over perfect credit scores, with streamlined applications via our lender-matching platform.
Business Term Loans
Business term loans deliver lump-sum funding with fixed repayment schedules, ideal for specific growth initiatives like facility expansions or technology upgrades. Unsecured options eliminate collateral requirements, while rapid 24-hour approvals cater to time-sensitive opportunities without personal credit score impacts.
Real Estate Loans
Real estate loans support fix-and-flip projects, new construction, or cash-out refinancing with short-term terms. Our process includes draw management for renovation phases, releasing funds in stages upon inspection. Borrowers benefit from flexible underwriting focused on property value and exit strategies rather than strict credit thresholds.
Questions
Can I qualify for a loan with bad credit?
Yes. We approve loans regardless of credit history, focusing on business potential rather than FICO scores.
How quickly can I receive funds?
Approvals occur within 24 hours, with funding typically available in 1–3 business days after approval.
Are collateral or personal guarantees required?
No. All loans are unsecured, requiring neither collateral nor personal guarantees.
What documents are needed to apply?
Basic documents include a voided business check, bank statements, and photo ID for owners.
How does the business credit-building program work?
We establish EIN-linked credit profiles through vendor trade lines and reporting to Dun & Bradstreet, Experian, and Equifax.
