It’s simply a better small business loan.

Hyphen Funding offers small business loans from $5,000 to $500,000. Ranging from 6-12 months, Hyphen small business lending helps you quickly grow and efficiently manage your business.


See How Much You Qualify For

Answer just a few simple questions to receive your no-obligation pre-approval offer. Does not affect your credit.  

Types of Small Business Loans

Use your Hyphen small business loan to manage cashflow, hire new staff, purchase inventory, invest in equipment, and promote your business.

Business moves fast, and you usually can’t wait weeks or even months to get the loan you need to move forward. With Hyphen, the entire process happens online in less than 10 minutes, and you can have funds transferred to your account as soon as the next business day. Learn more about how the process works. 

Get small business funding without needing to provide collateral. Unsecured small business loans help you move forward with the confidence you need to efficiently and effectively manage and grow your business.

Every business is different, which is why Hyphen provides business loans designed to meet the distinct funding needs of specific industries — whether you’re in construction, retail, trucking, or any industry where access to fast, sensible funding is crucial. 

Minority-owned businesses are a vital part of the economy. Therefore, we are eager to provide small business lending to established women-owned and veteran-owned business owners across the United States. 

FAQs: Small Business Loans

  • 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.

  • 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.

    Above all, 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.

    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.