US Business Funding Review

US Business Funding Review [Is US Business Funding Legit? 2022]

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US Business Funding

US Business Funding is a business lending platform that caters to growing and established businesses with over nine years of industry lending experience under their belt. To date, US Business Funding has disbursed funds of over $2 billion to eligible borrowers. 

US Business Funding offers a range of financial products to eligible customers. They claim to have a 95% approval rate, which means their eligibility requirements must be quite lenient.  The funding process is one of the fastest in the industry; this speed of funding is coupled by market competitive rates, which at times may be lower than the market if the creditworthiness of the customer is high enough.

Onto our US Business Funding review!

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US Business Funding

Services Offered

US Business Funding offers the following services:

  • Equipment financing
  • Working capital financing through term loans and lines of credit
  • SBA loans

There is also a free quote estimator and tax calculator on the official site, that can offer an estimate of the terms, rates, and tax savings to applicants. 

Eligibility Criteria

Every product offered by US Business Funding has different eligibility criteria. Generally, US Business Funding has very lenient eligibility criteria for the products and services offered. However, the SBA loans have different criteria because these loans are offered by SBA, which means US Business Funding has no control over them. 

US Business Funding Equipment Leasing and Financing

Equipment Financing

US Business Financing offers equipment leases under its equipment financing service. There are different types of lease programs available based on the need and creditworthiness of the applicant. A minimum credit score has not been specified, and there is no guidance on what the revenue requirement is on the website. 

US Business Funding usually lends to businesses that have been in business for at least 2 years, but exceptions can be made for businesses with good financial fundamentals that have only been in operation for 6 months. 

US Business funding looks at the overall creditworthiness of the applicant, which means that the applicant’s credit score must be fair to good if they want to qualify for an equipment lease. Financials should be stable, however, struggling businesses can also apply if their growth prospects are good. Having good cash flow management is key. 

RELATED: Having Trouble Getting A Business Loan?

US Business Funding Logo

Working Capital Financing

The eligibility requirements for working capital financing are quite lenient.

  • Time In Business: 12 months
  • Credit Score: No minimum credit score specified, personal credit score is considered
  • Minimum Revenue: Not specified

In addition to these requirements, the applicant must not have any outstanding bankruptcy or tax lien on their credit report. Although US Business Funding has not specified any minimum credit score, the chances of getting funded are likely to be higher for businesses with a fair to good credit score. However, businesses with poor credit scores may also be able to get funding if their financial fundamentals, especially cash flow, are good.

SBA Loans

SBA Loans

SBA 7(a) loans are available through US Business Funding for those eligible. The eligibility requirements for SBA loans are available on the website and are generally available to applicants with personal credit scores of at least 600 or above. 

Terms and Rates

The terms and rates offered mainly depend on the creditworthiness of the borrower, and the amount the borrower is looking to borrow. 

Equipment Financing

The following terms and rates are applicable for equipment financing:

  • Borrowing Limit: Starting from $75,000 and going up to $10 million
  • Term Limit: Up to 10 years
  • Interest Rate: At least 3.5%, depending on creditworthiness, borrowing, and term limits
  • Prepayment Penalty: No

The equipment financing service can be used to finance new or used equipment. US Business Funding offers its customers the following types of equipment leases:

  • Fair market value lease
  • Dollar buyout/Capital lease
  • Wrap lease
  • Business expansion
  • Refinance program
  • New business program
  • Sale and leaseback
Working Capital Finance

Working Capital Finance

Working capital finance under US Business Funding includes lines of credit and merchant advances. The terms and rates are as follows:

  • Borrowing Limit: Up to $10 million
  • Term Limit: 3 months to 10 years
  • Interest Rate: Minimum 3.5%, depends on the creditworthiness

The amount of funding available through merchant cash advances is generally equivalent to a month’s worth of credit and debit sales. So, if a business has $100,000 worth of monthly sales, then they will be given a cash advance of around $80,000 to $120,000.

SBA Loans

As stated above, US Business Funding does not have control over the SBA loans offered as they are funded by SBA. The terms and rates applicable to SBA loans are decided by the SBA and are available on the official website. 

The following terms and rates have been mentioned for clarity:

  • Borrowing Limit: $5 million
  • Term Limit: 10 to 25 years
  • Interest Rate: Fixed and Variable, lower than market rates

Application Process

Applicants simply fill out an application on the website and share some basic data including the amount of funding required, along with the purpose of the loan. 

Once the initial application has been submitted, a senior financial consultant will get in touch, and based on the requirements of the applicant, further details such as business financials, financial reports, and statements along with supporting documents may be required.  

Once the relevant details have been received, the approval and funding process will depend on the applicant’s requirements. SBA loans and high-value equipment financing, for example, can take a while to fund.

Repeat customers and applicants looking for low-value loans are approved and funded quickly. Approval usually takes around 7 days, however, repeat customers can be funded in as little as 24 hours. 

Customer Service

US Business Funding can be contacted through: 

  • Toll-free number
  • Email address
  • Social media platforms
  • Live chat

The customer service representatives come across as very helpful and knowledgeable and actively try to resolve customer issues. 

US Business Funding Review

US Business Funding Reviews and Complaints

User reviews for US Business Funding are generally positive. People seem to like the fact that the application process is quite easy, smooth, and fast. The availability of multiple funding options is a plus point, and customers are happy with the competitive rates that are often low compared to the market. 

Some negative reviews are mostly focused on the aggressive marketing strategy adopted by US Business Funding. At times, their emails may even be classified as spam. Some customers complained they were sent offers that were later withdrawn, which is often caused by cash flow management issues on part of the applicant. 

US Business Funding Pros and Cons


  • Lot of options
  • Market competitive rates
  • Fast processing
  • Good customer service


  • Rates may be high for applicants with low creditworthiness
Is US Business Funding Legit?

Frequently Asked Questions

We answer some of the most common questions below.

Is US Business Funding legit?

Is US Business Funding legitimate? Yes, US Business Funding is a legit business and is accredited with the BBB with an A+ rating.

US Business Funding Solutions: Parting Thoughts

US Business Funding is a good option for small businesses with stable financials. It may be slightly costly for businesses that are not doing well financially.

However, if a business in financial trouble cannot find lending options elsewhere, chances are US Business Funding can help.

For businesses with low creditworthiness, the cost may be high, but good customer service and funding options compensate for the high cost.

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