r/Businessloans

Looking for $1000 loan to run ads for my business. Pay back $1150 - $550 for 2 months

In need of an emergency loan in uae and willing to pay with interest

Looking for someone to borrow a loan

I have my own company also and I am ready to give any kind of security.

Please help me

Where can I get a 800k loan from? ASAP .
I earn 6 figures a year so no issue in paying it back 🫠
UK

I started small and had a chance to grow, but had to use factoring to do it. It worked. Now doing close to 1m per year.

Looking to get a better deal.

Zero risk involved in our strategy because we only borrow against approved invoices that are aging in AR.

Looking for 200k.

Just testing the waters.

I boot strapped a solid Amazon business that does pretty well and is very steady. 2.5M last year. 10 years in business and it’s growing. No employees. 500k in new machines and product in my warehouse. No loans or debt.

My background, I am a professional product designer and can design pretty much any high level product at this point. From new brand concept to finished product in 30 days. I waste no time. I have countless ideas and markets I don’t have capital to enter every idea, but my record is proof itself. From toys to skin care, I can figure it out, That’s not the point though.

I’m stuck in this orbit at 2.5m and I am trying to break out to 3-5M The only way is more Xmas inventory. I sell out every year because I have too many good skus so I am splitting my capital between them, thus some of them are under funded, hey my competitors sell up to 50k units during Xmas. Amazon is no joke. Thats 2M in a month on one product. Xmas inventory on Amazon is king. 🤴

I am looking to raise 75-100k for pure Xmas inventory. This should boost gross sales by about 600k+

For this I can offer a 10% return after 4 months. End of season is January 1st.

Ideally I would like a finance partner who I can work with long term, back and forth as needed, and when needed, providing surge capital when needed. I think most people would enjoy creating high quality goods for this large market.

This is on going, as I add more products I can always use a boost for the surge orders I get during Xmas time. Payout is always the same 4 months and 10%

Of course I can provide proof and collateral as needed to the right person. This is a legit business with an ongoing lease.

Let me know Also I open to mentor and help if you have ideas that are solid.

Just overall curious, if anyone can share sucess stories from this sub?

I own and operate a small mining company in Pennsylvania. The LLC was formed in October 2025, with production beginning in March of this year. Since then, we have exceeded $60K in gross sales revenue.

The company is stable, and I have no doubts that the issues I’m running in to can be surmounted on our own, but I’m also aware that trudging through it will result in a reduced total revenue for the year.

A few pieces of equipment are in need of expensive repairs- flagstone is continuing to go out in the meantime, meaning there is still consistent revenue, but making repairs on the main money maker (Rock drill for cubing out saw rock) at the rate of flagstone income would mean missing a significant portion of the busiest months of the year in this industry.

All equipment (4X 30+ ton excavators, 1X 45-ton capacity haul truck, 1X 25 ton capacity articulated haul truck, skid steer, etc) are owned outright, with the exception of the drill which is the only loan I am under, which is through a prominent local bank. This payment is $1200 a month, with payment deferred for Jan-March as those months are not typically operable.

This payment is easy to make, as are all other expenses under my current revenue.

My primary concern is waiting to build the $20K or so necessary with flagstone to get the drill fully operating again will cause me to miss the most revenue heavy section of the season.

Is this something anyone would be interested in hearing more about?

Yes yes, I know this is USA sub, but i got no doubt there are people from EU lurking.

Have a logistical property, estimation done 2 weeks ago, worth 280k eur. Problem is today is friday, need the money like yesterday.

Can't wait until monday! Any private lenders in EU please feel free to contact :).

Edit
Solved!

I'm 46 and own a handful of rental properties that have done well over the years. The cash flow is solid and I don't have any major complaints, but I'd like to keep growing without necessarily buying another rental every time I have capital available.

I've been researching how to start a lending business, mainly by making private loans on real estate deals. The returns seem attractive, but the more I read, the more it sounds like successful lenders spend a lot of time sourcing deals, underwriting borrowers, and managing risk. It definitely looks more hands-on than I expected.

For those of you who own rentals and also do private lending, did you build everything yourself, or did you invest alongside an experienced lending team that handled the deal sourcing and underwriting? I'm curious how people make it work without turning it into another full time job.

I'm new here, appreciate you reading. I bought the building 8 years ago, It's now worth 3 million, I owe 1.7 million on my current mortgage. My mortgage is about to mature in 30 days, meaning I have to either refinance or pay it off.

Normally, I'd go to a bank to refinance. But there's a problem, several tenants recently moved out. My occupancy dropped from 95% to 60% Because the building isn't generating enough income, the bank declines my refinance application.

If I do nothing. The current lender could foreclose. I'd lose a building with millions of dollars in equity.

EDIT: Problem was solved using deep internet, loan received, no need to text me with offers, thank you.

Use of funds	Amount
Pay off urgent debt that is due	$400,000
Repair vacant units and common areas	~$200,000
Cover operating expenses and interest reserves	~$100,000
Total	$700,000

Before You Sign an MCA, Know What You're Really Paying For

I see a lot of business owners turn to a Merchant Cash Advance (MCA) because they need funding quickly. Sometimes it's the right solution—but too often it's the only solution they were shown.

A few things every business owner should know:

• An MCA is not a traditional business loan. It's an advance against future sales.

• Many MCA providers use a factor rate instead of an APR, making it difficult to compare the true cost with other financing options.

• Daily or weekly automatic payments can put significant pressure on cash flow, especially during slower months.

• The fastest funding isn't always the least expensive funding.

Before accepting an MCA, ask yourself:

• Is a term loan available?
• Would a business line of credit accomplish the same goal?
• Is invoice financing or equipment financing a better fit?
• How much will I actually repay over the life of the advance?
• Will these payments limit my ability to qualify for future financing?

I've seen business owners save thousands simply by understanding all of their options before signing.

If you're considering an MCA, I offer a complimentary MCA Deal Analyzer that estimates your total repayment, compares it against other financing options, and helps determine whether an MCA is truly your best choice.

Making an informed decision today can save your business a lot of money tomorrow.

I want to get a loan. Anyone have any vendors (banks) who can do the following:

1. Low and fixed interest rate (sub 6%)
2. Not looking to do AUM
3. Want to borrow against my rental real estate

We are seeking a loan for equipment and stock

We are offering Loan for those who are currently 6mos. regular employee or having a business for at least 1yr.

We also have Car4Cash OR/CR sangla.

We cater nationwide for 5-7 processing days.

you can avail from 30k-php 2M.

You may also visit our page at https://www.facebook.com/CBMLoans

Thank you,

Have a nice day

I see a lot of posts from business owners who need funding today. An MCA can absolutely solve a short-term cash flow problem; but it's important to understand what you're agreeing to before you sign. Ask yourself:

1.How much will I actually repay? Don't just look at how much you're receiving. Calculate your total repayment obligation.

2.Can my cash flow handle daily or weekly ACH withdrawals?

Fast funding loses its value if the repayment schedule creates a cash crunch.

3.Is there a less expensive financing option?

Depending on your situation, a term loan, line of credit, equipment financing, or AR financing may be a better fit.

4.What happens if sales slow down?

Have a plan for slower months before committing to fixed repayment obligations.

5.Will this affect my ability to obtain future financing?

One advance may be manageable. Multiple stacked advances can significantly reduce your financing options.

An MCA isn't inherently good or bad—it's simply one financing tool. The key is making sure it matches your business's needs and repayment capacity.

I spend a lot of time helping business owners understand the true cost of different financing options before they commit. A little due diligence upfront can prevent expensive decisions later. What has been your experience with MCAs—good or bad? I'd be interested in hearing what you've learned.

‎Need short-term funds to cover business tool subscriptions

‎

‎Hi, I run a small web design business (Ruiri Digital Hub) in Meru, Kenya, building websites for local businesses. I have a pricing sheet, two live client sites already delivered, and active outreach underway to local shops/businesses.

‎

‎I need KES 30,000 (~$235) to cover subscription costs for the tools I use to build and deliver client work. I have outreach in progress to 13+ local businesses and expect to close paying clients within days, which I'd use to repay.

‎

‎Repayment: within 2-3 weeks, via [agreed method].

‎Proof available: portfolio links, screenshots of outreach/pricing sheet, M-Pesa/payment details for verification.

‎

‎Happy to answer questions or provide more proof of identity/business activity.

I own part of a commercial property that’s leased out. In order to be able to make the purchase my brother and I took out a loan under my name. I’m looking for him to take out half under his name now.

This would be about $60,000. We got an offer for 10% interest on the loan, with no pre payment penalty.

With rates today, could we get a better loan elsewhere? The loan was offered as an unsecured personal loan

A lot of owners posting here are already past the “should I take an MCA?” stage and deep into “I can’t keep up with the daily/weekly pulls, what now?”

Here’s how I explain what typically happens and what options might still be on the table, in plain English.

1. What usually happens first when you start to fall behind

If you miss or can’t cover your daily/weekly debits:

• The funder’s system keeps trying to pull, which can lead to overdrafts and fees.
• Collections activity ramps up quickly: calls, emails, and sometimes contact with your customers or vendors if there’s a UCC filing.
• Depending on your contract, they may threaten or file a lawsuit, a confession of judgment, or other legal actions.

This all tends to move in days and weeks, not months, which is why waiting usually reduces your options.

2. Why “just keep paying no matter what” can also be dangerous

Some advice says, “Do anything except miss a payment.” The problem is when:

• MCAs plus other debt are wiping out cash needed for payroll, taxes, and critical vendors.
• You’re stacking multiple advances just to stay current.
• You’re draining personal savings or new credit lines to feed old MCAs.

At that point, “perfect payment history” can come at the cost of the business itself. You’re keeping the advances happy while the company slowly dies.

3. The three broad paths owners usually end up choosing

Once an MCA situation is truly unsustainable, most roads fall into one of three buckets:

Pay it all as agreed (sometimes with minor concessions)

• Works only if cash flow recovers quickly and the stack isn’t too heavy.
• Least disruption, but often unrealistic once you’re already drowning.

Restructuring / negotiated workouts

• Try to reduce daily/weekly pressure, stretch timelines, and reorder priorities so payroll, taxes, and key vendors come first.
• Often involves attorneys, sometimes CPAs, and a detailed cash‑flow plan.
• Goal is to keep the business operating and avoid everything collapsing at once.

Formal processes like bankruptcy

• In some cases, especially with larger total debt and multiple kinds of creditors, a Chapter filing can be a better way to protect what’s left and reorganize.
• It’s not a “free pass,” but it can impose order when everything else is chaos.

There isn’t a one‑size‑fits‑all “right” answer; each has trade‑offs.

4. What you can do before everything collapses

If you feel the default train coming:

• Get a clear 13‑week cash‑flow view: when money comes in, and what truly needs to go out (payroll, rent, taxes, vendors, debt).
• Talk to your funders early about hardship or reconciliation options, before you’re completely out of cash.
• Get professional advice (legal and financial) from people who actually read MCA contracts and understand the enforcement landscape in your state.

Reading random horror stories or sales pitches online is not the same as someone looking at your exact agreements and numbers.

Another way to think about it: you’re trying to deflect an asteroid in outer space. The earlier you act, the smaller the nudge it takes to change its path. If you wait until it’s right in front of your nose, even breaking it up still leaves you getting hit by big pieces — that’s the collateral damage to your business, credit, and sanity.

None of this is easy or painless. But if you’re honest about where things stand and you understand the real menu of options, you have a better shot at protecting and stabilizing your business — and yourself — than if you try to guess alone.