Funding built around
your next move.
Business loans from $10K to $1M and personal loans from $10K to $500K, with approvals in as little as 24–48 hours.
Funding guidance you can trust.
At Real Biz Funding, we believe financial opportunities should be accessible, simple and stress-free. For over 10 years, we've helped individuals and businesses nationwide secure the funding they need to grow, recover and succeed.
Whether you're an entrepreneur expanding your business or an individual looking for personal financial relief, our team specializes in both business and personal loans, with customized solutions that fit your goals.
Our mission: to empower people and businesses with the funding they deserve, whether that's launching a dream, expanding a company, consolidating debt or overcoming life's unexpected challenges.
Choose the funding that fits.
Business Loans
Capital for growth, equipment and working capital.
- $10K – $1M
- Terms up to 10 years
- Funds in 7–10 days
- No upfront fees
Personal Loans
Consolidate debt, renovate or cover life's big moments.
- $10K – $500K
- Terms up to 7 years
- APR 6% – 13%*
- Funding within 7 days
MCA & Consolidation
Options for lower credit scores and existing MCA balances.
- Credit scores from 500
- Based on bank statements
- Weekly terms up to 2 years
- Consolidate existing MCAs
*APR range, minimum 670 credit score and terms apply to personal loans. Approval, amounts and rates depend on credit, income and underwriting review.
Three steps to funded.
Apply
Complete a short business or personal application.
Get approved
Receive a decision in 24–48 hours.
Receive funds
Funding in as fast as 7–10 days.
Straightforward funding, expert guidance.
For over 10 years we have helped individuals and businesses nationwide secure the capital they need to grow, recover and succeed.
- Fast decisions – many clients approved in 24–48 hours
- Flexible range – $10K to $1M for business
- Honest terms – exact terms and payment breakdowns with every approval
- Multiple paths – loans, MCA options and credit repair under one roof
- Nationwide – serving clients coast to coast
Our clients say.
As a bakery owner, I struggled to get approved by traditional banks. Real Biz Funding believed in my business when others didn't. With their loan, I upgraded my kitchen equipment and doubled my production. Couldn't be happier!
Real Biz Funding gave me the capital I needed to scale my e-commerce store. The process was smooth, transparent, and way faster than any bank I've dealt with. Thanks to them, I hit my best sales month ever.
Our company needed working capital to manage seasonal fluctuations. Real Biz Funding provided the financing we needed with flexible terms and excellent service. Their team made the entire process efficient and stress-free.
What do I need for a business loan?
Business revenue and cash flow, at least 6 months in business, a credit review, and financial documents such as tax returns and bank statements.
How do I qualify for a personal loan?
Approval is based on income, credit history and ability to repay. A 670 credit score is required on all three bureaus.
How fast can I get funded?
Approval can come in 24–48 hours, with funding typically within 7–10 days (personal loans as soon as 7 days).
How much can I borrow?
Business loans typically range from $10,000 to $1 million; personal loans from $10,000 to $500,000, depending on your profile.
What can I use a personal loan for?
Debt consolidation, home improvements, unexpected expenses, a wedding, travel and more.
Personal loans, simplified.
Borrow $10K to $500K for the things that matter, with fast decisions and clear terms.
Loan details
- Amounts: $10,000 – $500,000
- Terms up to 7 years
- APR: 6% – 13%*
- Minimum credit score: 670 on all 3 bureaus
- Funding within 7 days of approval
What you'll need
- Personal and contact information
- Employment and monthly income
- Current credit scores
- Amount requested and loan purpose
- Supporting documents (upload in application)
*Rates and terms depend on creditworthiness and underwriting. The secure application opens on our current application page.
Capital for businesses that mean business.
Fund growth, equipment, inventory or cash flow with $10K to $1M.
Loan details
- Amounts: $10,000 – $1,000,000
- Terms up to 10 years
- Approval in 24–48 hours
- Funds in 7–10 days
- No upfront fees
Qualifying basics
- At least 6 months in business
- Steady revenue and cash flow
- Tax returns and bank statements
- Credit review
Tip: remove any credit freezes and fraud alerts before applying so your review isn't delayed.
Options for lower credit scores.
Funding based on business bank statements and revenue, with credit scores as low as 500.
MCA options
- Credit score from 500
- Weekly terms up to 2 years
- Funding based on bank statements and revenue
- Funding in as fast as 24 hours
MCA consolidation program
- Pay off existing MCAs (up to $1M)
- Turn daily payments into one weekly payment
- Potentially lower total payback
- Simpler cash flow
Savings vary by situation. Every approval comes with exact terms and payment breakdowns, no fake pre-approvals.
Your credit score shouldn't control your future.
We review your reports, challenge items that are inaccurate, outdated or unverifiable, and map a plan toward better funding options.
Book Free Strategy Call
Our 4-step system
Audit
Detailed analysis of your reports across all bureaus.
Dispute
Challenge inaccurate, outdated or unverifiable items.
Optimize
Guidance on utilization, structure and credit mix.
Rebuild
Habits for long-term credit stability.
On your free call
- Walk through your full credit report
- Identify legal dispute opportunities
- Build a personalized improvement plan
- Review funding options as your score improves
How long does it take?
Many clients see movement within 30–90 days, depending on their profile and bureau response times.
Can you remove accurate items?
No. We only challenge items that are inaccurate, outdated or unverifiable.
Is approval guaranteed?
No company can guarantee approval, but stronger credit expands your options.
Is the call free?
Yes, 100% free with no obligation.
We're here to help.
Reach our team for prompt, professional assistance with your lending needs.
Not ready to apply?
Send us your questions and we'll share updates on programs and tips to help you get funded.
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