Term Loans
Fixed payments and clear timelines for equipment, build‑outs, or growth initiatives.
12–60 month termsApply in minutes. Underwriting decisions in 24–48 hours. Same‑day wires available for finalized approvals before 2pm ET.
From startup capital to multi‑location expansion, choose the solution that matches your needs today—and can scale with you tomorrow.
Fixed payments and clear timelines for equipment, build‑outs, or growth initiatives.
12–60 month termsPayment amounts flex with your sales—ideal for seasonal businesses.
Fast decisionsDraw funds as needed to cover payroll, inventory, or unexpected expenses.
Only pay on what you useCompetitive terms and longer timelines for working capital and expansion.
Multiple programs availablePurchase, renovate, or refinance owner‑occupied properties.
Acquisition & refinanceGet to launch with capital for equipment, inventory, and early operations.
Tailored to new venturesA streamlined process with real people to assist at every step.
Tell us about your business and funding goals. No application fee.
Direct review by our team with transparent terms and timelines.
Once finalized, wires can be initiated the same day in many cases.*
*Timing subject to verification and banking schedules.
Real support, clear communication, and speed when it matters.
Had options the next day and funded shortly after. The team walked me through documents and kept me updated.
We liked the line of credit—draw when needed, no pressure when sales dip. Smooth experience overall.
Our specialist answered every question and helped compare offers apples‑to‑apples. Would recommend.
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Pre‑qualification typically uses a soft inquiry. A hard pull may be required prior to final approval depending on the product.
Many businesses receive decisions within 24–48 hours, and some products can fund the same day after final approval and documents.
Common items include basic business information, recent bank statements, and identification. We'll provide a tailored checklist after you apply.
Yes—Independent Finance is a direct lender. Certain specialized products (e.g., SBA or some CRE loans) may be originated by approved affiliates where required by law.
We serve a wide range of industries. Certain restricted categories may not be eligible; we'll confirm eligibility during review.
No. There is no fee to apply or to receive options. Standard fees and terms apply to funded offers.
No application fee and no obligation. A specialist will follow up to help you compare options.
Phone: (800) 290‑5678
Email: info@independentfinance.com
Headquarters: 6 Penn Plaza, New York, NY 10001