Getting a small business loan has never been easier.

Complete our simple online loan application in just minutes. With our automated small business lending tool, get a decision instantly — no phone calls, no bank statements, no wait. After approval, receive your funds as soon as the next business day.

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Instant Pre-Approval

With just a few simple questions, you can see how much you qualify for. No credit check, no phone calls, no obligation.

How It Works

Hyphen provides small business loans from $5,000 to $500,000 — with competitive rates, flexible terms, and no hidden fees. 

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

APPLYING
With Hyphen, the entire process is completed online. It’s fast and easy — less than 10 minutes from beginning to end. To start, we just need some basic information about you and your business.

RATES & TERMS
We use a number of 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.

APPROVAL & FUNDING
With our advanced scoring engine, you receive a decision instantly and can have funding in your account as soon as the next business day. And you can pay off the loan at any time without early payment penalties.

FAQs: How to Get a Business Loan

  • To qualify, you need to be in business more than one year and have at least $100,000 in annual revenue. In addition, 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. First, 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.

  • 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.

    Read this recent article to learn more about how Hyphen Funding and Lead Bank are working together to bring smarter funding to small businesses across the U.S.

Approval in Minutes.
Funding the Next Day.