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My Business Loan Application was Denied. Now What?

Seeking a business loan, SBA loan, or business line of credit can be disheartening. There’s a ton of red tape, numerous hoops to jump through, weeks or months of back-and-forth with the bank. It’s a lot… especially if you’ve had financial difficulties in the past.

If you’re feeling discouraged because your business loan application was denied, we encourage you to:

  1. Review and understand the reason(s) your business was denied.
  2. Research your options and look into alternatives.
  3. Never give up hope that there are good funding options out there for you.

If you have been denied a business loan, our product, the Merchant Cash Advance (MCA), may be a good option for you. An MCA is not a loan – it’s simply a way to get access to your future sales immediately.

The application process is simple and quick, and we are able to fund companies in as little as 24 hours. There are no restrictions on how you use the funds, and we do not check credit, charge outrageous fees, or require collateral.

So, to resolve some common reasons for business loan denial:

  • Low credit score. With our MCA products, we don’t even check your credit.
  • Business is “too young.” We only require three months in operation.
  • Not enough collateral. We will never lay claim to your assets.
  • Not enough cash flow. Our job is to give you working capital.

We offer flexibility, a fast turnaround, and best-in-class customer service. When you select us as your funding provider, you are placing a safe bet on your financial future. We want to see our clients succeed, and we will do everything in our power to work with you on your specific needs.

We know small business, and we’re here to help. Click here to ask for more info from our support team.


Revenue-Based Finance is formerly and alternatively known as Merchant Cash Advance, or MCA.