With Hyphen, the entire loan process is conducted online — quickly, simply, and securely.

Flexible

From $5,000 to $500,000, with terms up to 12 months

Fast

Funding in as soon
as 24 hours

Simple

Competitive fixed rates,
no collateral, no surprises

Secure

Loans issued by Lead
Bank, Member FDIC

How It Works

If you’ve been in business at least one year and have at least $100,000 in annual revenue, you are eligible.

Apply Online

Hyphen’s simple and secure online loan application can be completed in a matter of minutes.

Get Instant Approval

Our automated loan approval engine processes your application on the spot and provides the best loan offer in just seconds.

Get Back to Business

With just a few clicks, securely link your business bank accounts, approve your offer, and get funding in as soon as one business day.

Frequently Asked Questions

  • To qualify, you need to be in business more than one year and have at least $100,000 in annual revenue. Additionally, you need to have a personal credit score of at least 600.

    Apply now or use our automated Online Loan Assistant to receive an instant pre-approval offer — no credit check, no personal information required, no obligation.

  • Applying is fast and easy. It takes less than five minutes. We just need some basic information about you and your business.

    Get Started

  • Hyphen offers small business loans from $5,000 to $500,000. We use a number of different data points (i.e. time in business, revenue, and credit score) to instantly provide you with the best possible business funding offer.

    Apply now or use our automated Online Loan Assistant to receive an instant pre-approval offer — no credit check, no personal information required, no obligation.

  • If your loan is approved and accepted by you — and all requested documentation received by 3:30 p.m. Central Time (Monday through Friday, excluding bank holidays) — your funds can be transferred to your bank account as fast as the next business day.

  • We use a number of different data points — i.e. creditworthiness, time in business, and revenue — to instantly underwrite your application and then provide you with the best available business funding option. Above all, our goal is to make sure you get a loan with rates and payment terms that work for you and your business.

    To receive a preliminary loan offer with details about available payment rates and terms, use our fast, easy automated Online Loan Assistant. After that, you can quickly complete your full loan application and receive an official offer in just minutes.

  • No, there are no penalties or fees for paying off your loan early. In fact, we encourage clients to make additional payments whenever possible, which reduces the total cost of a loan. If you no longer need the money, you can pay the balance in full without additional fees.

    Ultimately, our goal is to make sure you have a loan that works for your business, and to be your trusted funding partner whenever you need access to capital.
  • Hyphen funding is a financial technology company that helps established small businesses get the funding they need to move forward.

    Loans are issued through Lead Bank, a Missouri-chartered bank, Member FDIC. With Lead Bank, you gain the confidence in knowing your business is backed by an established banking institution with more than 90 years history helping businesses like yours expand, take advantage of new opportunity, and reach their goals.

Approval in Minutes.
Funding the Next Day.