Stop Waiting on the Bank. Get Business Funding for Your Next Move.

Alta Business Loans is an Atlanta, Georgia-based business funding brokerage serving established companies of every size in all 50 states. Your request is analyzed, structured and prepared for underwriting, and you are supported through review and decision.

No. Alta Business Loans is a business funding brokerage, not a direct lender. Alta Business Loans prepares and structures your request; the lender independently determines eligibility, approval, pricing, terms, conditions and funding availability.

Established businesses can apply for business loans of every kind: term loans, lines of credit, SBA loans, equipment financing, invoice factoring and invoice financing, merchant cash advances, commercial real estate loans, other commercial loans and working capital.

Match the funding to the goal: a business line of credit for payroll, seasonal inventory and cash-flow gaps; a term loan or SBA loan for expansion, acquisitions and a new location; equipment financing for machinery, vehicles and technology; and invoice factoring to turn unpaid business-to-business invoices into working capital. Each is reviewed differently—cash flow and repayment capacity for term loans, banking activity and recurring revenue for lines of credit, equipment value and the vendor quote for equipment financing, and your customers’ credit for factoring.

Requirements vary by funding type and lender. Most lenders review six areas: time in business, revenue and cash flow, personal and business credit, banking activity and existing debt, any collateral, and your documents and use of funds. Your requested amount, ownership, industry and location can also affect eligibility and terms. These are common review areas, not universal approval standards.

Have these ready: government-issued owner identification, business formation information, recent business bank statements, tax returns, profit-and-loss statements, balance sheets, a debt schedule and any deal-specific documents such as equipment quotes, invoices, purchase agreements or property information.

No. Checking your options through Alta Business Loans' initial pre-qualification does not require a hard credit pull. A lender may require a credit inquiry later in the process before making a final credit decision.

No. Submitting an application does not guarantee approval, funding or specific terms. The lender independently makes the final credit decision and establishes all terms and conditions.

The secure application takes under 10 minutes. You’ll hear back within 4 hours, Monday through Friday, with clear next steps. Lender review, approval and funding timelines vary by program and are not guaranteed.

Apply online in minutes through the secure application. Prefer to ask first? Send a message through the contact page or email info@altabusinessloans.com, and you’ll hear back with clear next steps.