No inquiry fee from Credit OrchardAbout 5 minutes

For business owners

Prepare the business. Compare the real terms.

Submit one funding inquiry for comparison with participating independent partner criteria. Credit Orchard does not make the credit decision, and partner approval, products, amounts, costs, and timing vary.

Start a funding inquirySee the four-step process

The Credit Orchard inquiry itself does not include a hard credit pull. A partner may request separate authorization later.

How it works

Know what each step means.

The inquiry, criteria comparison, underwriting, and offer are different stages. Keeping them separate helps you spot pressure and compare alternatives.

  1. 01

    Describe the business and request

    Share business identity, operating history, self-reported revenue, requested amount, intended use, and contact information. No Social Security number, bank login, or bank statement is requested at this stage.

  2. 02

    Compare stated product criteria

    Credit Orchard compares the inquiry with criteria supplied by participating independent partners. A comparison is not underwriting, approval, or an offer.

  3. 03

    Choose whether to continue

    If a partner sees a potential fit, it may request records and separate authorization required for underwriting or a credit check. You decide whether to continue.

  4. 04

    Review the actual economics

    Before accepting anything, compare the rate or factor, fees, payment frequency, collateral, personal guarantee, default terms, total repayment, and alternatives.

Possible product categories

Different structures solve different problems—and create different risks.

Availability depends on the applicant and the partner. These descriptions are education, not a product recommendation or indication of eligibility.

Fixed-term borrowing

Term loans

Often considered for expansion, major purchases, refinancing, or planned working-capital needs. Compare annual percentage rate, fees, payment, collateral, and total repayment.

Reusable approved limit

Business lines of credit

Can support timing gaps or seasonal needs. Review draw fees, interest calculation, minimum payments, renewal terms, and whether the line can be reduced or closed.

Asset-linked financing

Equipment financing

May be structured around vehicles, machinery, or technology. Confirm down payment, lien terms, insurance requirements, end-of-term ownership, and early-payoff rules.

Program rules apply

SBA-backed products

Some participating lenders offer products supported by U.S. Small Business Administration programs. Eligibility, documentation, use of funds, collateral, and timing vary.

Invoice or receivable based

Receivables financing

Factoring and related structures may advance funds against eligible receivables. Understand recourse, reserves, customer notices, concentration limits, and the complete fee schedule.

Payment may track sales

Revenue-linked products

Merchant cash advances and revenue-based financing can be expensive or require frequent payments. Translate every offer into total dollars and a realistic cash-flow impact.

Factors partners may consider

Readiness is documented, not manufactured.

Partner criteria change. Truthful, current records make a business easier to evaluate; they do not guarantee approval.

Read the source-backed readiness guide →

Operating history

How long the business has operated and whether its records show consistent activity.

Revenue and cash flow

Deposits, seasonality, margins, volatility, and the ability to carry the proposed payment.

Existing obligations

Current loans, advances, liens, tax obligations, and other claims on business cash flow.

Owner and credit information

A partner may evaluate business and owner information under its own underwriting and consent process.

Industry and location

Product availability, restrictions, licensing, and state coverage differ by partner.

Use of funds

A specific, lawful purpose and a credible repayment plan are easier to evaluate than a vague request.

Ready when the records are ready

One inquiry. No obligation to accept.

Share the initial business snapshot, then evaluate any partner request or offer on its actual written terms. Credit Orchard may earn compensation if an eligible financing transaction closes.

Start a funding inquiry