With Hyphen, the entire loan process is conducted online — quickly, simply, and securely.
From $5,000 to $500,000, with terms up to 12 months
Funding in as soon
as 24 hours
Competitive fixed rates,
no collateral, no surprises
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.
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.
Instant Pre-Approval for Your Small Business Loan
With our online Loan Approval Assistant, you can get pre-approved for your small business loan in seconds. Just nine simple questions and a few clicks to view loan amount, rate, and terms.
- No Credit Check
- No Personal Information
- No Obligation
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.
Applying is fast and easy. It takes less than five minutes. We just need some basic information about you and your business.
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.
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.