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What is a small business loan?

Loans provided to small businesses for various purposes by a lender. These loans may have less restrictive requirements, enabling the small business to secure the funds. A small business loan may provide other incentives for the borrower, which could minimize expenses for the business.

Why a small business loan can be a smart option?

A small business loan is more than a line on your credit report: it’s a smart investment in your business’ future. There are many benefits to getting a small business loan for your business today. The best business loans fuel growth for your business without any hassle, so you have financial flexibility for your daily operations. A loan helps you cover expenses that not only keep your business running but can help you grow and expand. Whether you need to hire more employees or a short-term cash infusion to cover taxes, React Funding can help you determine the right financing solution for your business.

Even with years of experience and careful planning, sometimes opportunity arrives without notice. Or your business hits a bump in the road. These temporary events can be handled effectively with fast, flexible finance.

Small business loan provides up to $200000, repaid in 18 months or sooner with simple, fixed weekly payments. When you need quick capital to take advantage of growth opportunities or manage through challenging events, React Funding is your bridge to success:

How does it work?

  • Small business loan is directed straight to your bank account, usually within 24 hours of application. And the structure is simple:
  • Collateral: none, unsecured
  • Maximum loan: it's your choice, from upto $200000 subject to our credit evaluation
  • Term: flexible terms between 3 and 18 months
  • Repayment: simple fixed weekly repayments of principal & interest by account debit
  • Prepayment: anytime, subject to three months interest
  • Re-advance: you can apply for a new small business loan once 50% of original term is completed (original loan is then repaid and the balance re-advanced as a new loan)

    Quick capital ready when you need it

    When you need fast access to capital, React Funding is ready to work. You’ll find our service and speed are best in the industry. Once you submit all of your application information, you can expect a credit decision within 8 business hours. Once you’re approved, we'll send you your loan documentation right away. The entire process moves quickly, and in many cases your small business loan is funded the next business day – direct to your bank account.

    Simple solution

    React Funding simplifies the entire process, accepting your application in real time through www.React, and funding your small business loan on approval within 24 hours. Unlike with others in our industry, your credit application is handled by real people, we don’t let a computer algorithm make decisions as important as these. If you have any questions along the way, we’re here to take your call.

    Flexible options to repay early or re-advance for additional funding

    If you wish to repay your loan early – no problem, you can repay at any time with a modest charge equal to three months of interest. If you wish to continue to maximize your small business loan, you can apply to re-advance up to your previous credit limit (or apply to increase your limit) once 50% of your original loan term is completed. Your new loan will pay out your old one, with the balance re-advanced as a new React Funding loan.

    Priced like a corporate credit card

    We aim to be the most transparent small business lender in United States - there are no fees other than the lender fee and interest rate clearly outlined in the loan agreement. The cost of your React Funding small business loan is comparable to a corporate credit card. And unlike your bank and other lenders, we won't ask for your home, car, equipment or your credit card receipts as collateral – your good character is enough. Our small business loan pricing takes this, and the very short term, into account.

    Does your business qualify for a small business loan? Start with these six simple questions:

  • Is your business located in United States?
  • Have you been in business more than two years?
  • Is your business stable and/or growing?
  • Are your annual sales at least $100,000?
  • Are there regular deposits into your business bank account?
  • Do you have an average or better credit profile?
  • If your business is stable or growing, and you can comfortably manage short-term small business loan payments.
  • Finding the right fit for your business

    React Funding is committed to helping you meet your cash flow needs so you can grow your business. Whether you’re looking for a one-time infusion of capital or have an ongoing need, our small business loans offer quick and easy access to funding, to virtually any industry, based on the current cash flow of your business.