Small Business Loans

Business loans uniquely crafted for your goals
  • Large loan amounts: Up to $500K1,2
  • Fixed affordable payments: Terms up to 12 years1
  • Fast funding: In as few as 3 days3
  • Concierge service: U.S.-based loan specialists for every application
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No application fees, commitment, or impact on personal credit to view your estimate.

Business professional at desk

Small Business Loan Average Customer Stats

19 years in business
Personal FICO 740
Average loan amount $91K

Ways to use your funds

What can you use a business loan for?

We understand that success means different things to different businesses. You can count on BHG Financial to tailor a loan solution that addresses your business needs and helps you grow quickly.

Business debt consolidation

Pay off high-interest business debt and increase your purchasing power with affordable monthly payments.

Working capital

Maintain day-to-day business operations with flexible capital.

Business acquisition and expansion

Purchase new equipment, grow a real estate portfolio, invest in or establish a new franchise, and more.

BHG Financial comparison chart

Experience the BHG Financial Difference

One loan for all your business
financial goals

At BHG Financial, we're committed to supporting you throughout your financial journey with tailored business financing.

  • Large amounts: Finance multiple initiatives with up to $500K1,2
  • Extended repayment terms: Terms up to 12 years1
  • Fixed rates: Monthly payments are affordable and manageable

A Hassle-Free Process

How our business loans work

As a busy business owner, your time is valuable. At BHG Financial, we've streamlined the application process to get you funded fast so that you can get back to business.

Business professional in meeting

1. Start an application

Unlike other lenders, we won't ask for unnecessary paperwork. It's easy and there's no impact to your credit score to apply.

2. Get your funding decision

Approval can take as little as 24 hours.3 Our dedicated loan specialists will review your application and qualifications, tailoring a loan solution for your financing needs.

3. Receive funds fast

If approved, you will receive your funds in one lump sum in as few as 3 days.3

To achieve continued success, the country's top professionals and business owners rely on BHG Financial for exceptional financing, a simplified lending process, and personalized service.

$28 Billion +

Loans funded

25+ years

Lending experience

A+ Rating

BBB

257,000 +

Customers funded

LEARN MORE

Business Loans FAQs

No, a commercial loan (or business loan) is intended for business use, such as consolidating business debt, upgrading equipment or technology, or expanding to a new location.

A personal loan is intended for personal use, such as consolidating personal debt or improving a home.

Applying for a business loan with BHG Financial is as easy as 1-2-3.

  1. Fill out an online application quickly or call us directly to speak to a loan specialist.
  2. We'll gather the necessary documentation for you, which may include income verification documents such as tax returns and bank statements. If anything else is needed to process your application, we'll reach out to work with you.
  3. After we've received all the necessary information and documents, our team will review your qualifications and notify you promptly regarding approval.

No, applying for our business loans will not impact your personal credit. We only perform a soft pull of your credit when you apply, so your score will remain intact. If your account becomes delinquent, we can report the delinquent trade line to the bureaus.

BHG Financial evaluates applicants based on credit history and personal and business income, among other factors provided at the time of the loan application.

The average BHG Financial business loan customer has a 740 FICO score, has been in business for 19 years and receives $91K in funding.

BHG Financial offers fixed-interest business loans up to $500,000.1,2 BHG Financial files a lien on the business via a Uniform Commercial Code (UCC) filing.

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There is no cost, commitment, or impact on personal credit to see your estimate.

APPLY NOW

Not all solutions, loan amounts, rates or terms are available in all states.

¹ Terms subject to credit approval upon completion of an application. Loan sizes, interest rates, and loan terms vary based on the applicant's credit profile.

² BHG Financial business loans typically range from $20,000 to $250,000; however, well-qualified borrowers may be eligible for business loans up to $500,000.

³ This is not a guaranteed offer of credit and is subject to credit approval.

Business Loan Repayment Example: A $94,695 commercial loan with a 9-year term and an APR of 14.8% would require monthly payments of $1,591.

Annual percentage rates (APRs) for BHG Financial business loans range from 8.77% to 41.26%, with terms from 1 to 12 years.

Testimonial(s) based on unique customer experience. Individual customer experiences may vary.

For California Residents: BHG Financial loans made or arranged pursuant to a California Financing Law license - Number 603G493.

Important information about establishing a new customer relationship

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies every customer. What this means for you: When you apply for a loan, we will ask for your name, address, date of birth, social security number and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents. If all required documentation is not provided, we may be unable to establish a customer relationship with you.