Business Details
19 Years
experience
Your Trusted Business Financing Partner in Houston
Since 2007, Money Man 4 Business has been a trusted partner for businesses seeking tailored financing solutions. As an SBA Preferred Lender and FDIC-affiliated organization, we specialize in delivering fast, reliable access to capital through diverse loan programs. Our expertise spans SBA 7(a) loans, term loans, lines of credit, and equipment financing, with a focus on competitive rates and flexible terms. With over $500 million funded and a 97% approval rate, we prioritize streamlined processes, offering pre-approval in minutes and funding as quickly as 24-48 hours. Our team serves businesses nationwide, from startups to established enterprises, with no minimum credit score requirements for select programs.Backed by 18+ years of industry experience, we combine personalized service with innovative financial tools to support growth at every stage. Our Houston-based headquarters ensures localized expertise while serving clients across the U.S. Through transparent communication and a commitment to ethical practices, weve earned recognition through 2,500+ funded businesses and high client satisfaction ratings. Whether refinancing debt, expanding operations, or navigating cash flow challenges, our goal is to empower businesses with smart capital solutions tailored to their unique needs.
Services
SBA 7(a) Loans
Business Line of Credit
Equipment Financing
Term Loans
Working Capital Loans
Commercial Real Estate Loans
Invoice Factoring
Startup Business Loans
Debt Refinancing Programs
Disaster Recovery Loans
Details
- Year established: 2007
Highlights and features
- SBA Preferred Lender status ensuring priority processing
- 24-48 hour approval times for expedited funding
- 97% approval rate across $500M+ in funded loans
- Flexible terms for businesses at all growth stages
- No minimum credit score requirement for select programs
Associations and certifications
- SBA Preferred Lender
- FDIC Lenders
What people say
Fast approval times
$500M+ funded
97% approval rate
24-48h processing
Flexible terms
Services
SBA 7(a) Loans
Government-backed financing solutions for businesses with up to $5 million funding. These loans offer competitive variable rates starting at Prime + 3%, requiring minimum 650 Experian credit scores and 18+ months of business operation. Ideal for long-term investments in equipment, real estate, or working capital with terms up to 25 years.
Business Line of Credit
Flexible funding access up to $5 million with interest rates between 6-14%. Designed for businesses needing ongoing working capital, requiring minimum 575 Experian credit scores and $200K+ annual revenue. Features indefinite term periods and quick access to funds after initial approval.
Equipment Financing
Specialized programs for purchasing business equipment with funding amounts up to $15 million. Terms range from 1-25 years at rates starting from Prime + 9.99%, requiring minimum 600 Experian credit scores and business operations of 6+ months.
Term Loans
Structured financing options with fixed monthly payments for terms between 1-25 years. Available up to $15 million with rates starting at 14.9%, catering to businesses with 6+ months operational history and minimum 650 Experian credit scores for optimal terms.
Working Capital Loans
Accessible financing for new businesses with loan amounts ranging $30,000-$350,000. No minimum credit score requirement, accepting startups with only 5-10% borrower equity injection. Features rates from 9.50%-13.25% with flexible repayment terms.
Questions
What credit score do I need for a business loan?
Requirements vary: SBA 7(a) needs 650+ Experian, term loans 575+ Equifax, while working capital loans accept no credit history.
How quickly can I get approved?
Pre-approval takes minutes; full approval ranges from 3-5 business days for working capital to 2-4 weeks for SBA loans.
Can I apply with bad credit?
Yes. Working Capital Loans have no minimum score, but bankruptcies must be discharged 3+ years and no recent filings.
What loan amounts are available?
Options range from $50,000 to $15 million across programs, with equipment financing and SBA loans offering the highest limits.
Are there prepayment penalties?
Most programs have no early prepayment penalties, particularly the 12-year business loan program.
What documents are required?
Typical requirements include business licenses, tax returns, bank statements, and proof of revenue, with variations by loan type.
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