Funded in three simple steps
No paperwork mountains, no branch visits. Just a few questions and you’re matched.
Answer a few questions
Tell us about your business and funding needs. It takes about 60 seconds and won’t touch your credit.
We find your best match
Our team searches our lender network to find the right fit for your business. No browsing, no comparing — we do the work.
A specialist calls you
A dedicated funding specialist calls you with your matched option. Once approved, funds can land in your account in as little as 24 hours.
The right finance for every business
Whatever you’re funding, one 60-second application connects you to lenders that fit your business.
SBA loans
Government-backed funding up to $5M with terms up to 25 years.
Unsecured business loans
Up to $750K with no collateral and a fast, simple application.
Asset & equipment finance
Spread the cost of vehicles and equipment over time.
Merchant cash advance
Repay as a small percentage of your daily card takings.
Business line of credit
Flexible funds on standby — draw what you need, when you need it.
Invoice financing
Unlock the cash tied up in your unpaid invoices today.
Working capital loans
Cover payroll, stock and day-to-day costs with breathing room.
Why businesses switch to Opvio
Traditional banks
Opvio Loans
Common questions
I submitted the form. What happens next?+
Your work here is done. We immediately match your profile with the best-suited lending partner in our network. A dedicated funding specialist will call you directly to discuss your options and confirm your exact funding amounts.
What do I need to prepare?+
You don't need to upload any documents today. To secure funding quickly after your call, most lenders will ask for: government-issued ID, 3–6 months of recent business bank statements, a business license (if required by your state), and equipment quotes if applying for equipment financing.
What types of business financing are available?+
Our partner network offers merchant cash advances, business lines of credit, short-term loans (6–24 months), equipment financing, and SBA loans — each matched to your specific business profile.
What can I use my business funding for?+
There are no strict restrictions. Most owners use it for managing seasonal cash flow, purchasing bulk inventory, upgrading machinery or technology, funding marketing or hiring, or covering unexpected expenses.
Can I qualify if traditional banks have rejected me?+
Yes. Traditional banks require years of perfect history and massive collateral. Our lending partners focus on current business performance and monthly revenue rather than credit history alone.
Will checking my options affect my credit score?+
No. Checking your options uses only the information you provide and, where a partner runs a check, a soft inquiry that does not affect your credit score. A hard credit inquiry may occur only if you choose to proceed with a specific lender's offer.
Can I get funding if I already have an active loan or MCA?+
Yes. If your cash flow can support it, secondary positions are available. Many partners can also use new funding to consolidate your existing balances into a single, lower payment.
What interest rates and repayment terms will I receive?+
Rates and terms are customized to your monthly revenue, industry, and time in business. Your matched specialist will outline your total repayment amount and schedule completely transparently during your call — before you commit to anything.
Is this financing secured or unsecured?+
Both. Most programs offer unsecured financing — no need to pledge personal assets or real estate. If you choose to leverage business assets, it can unlock higher funding limits and lower rates.