Small Business Loans
Simple, fast financing from $10K to $1M for main-street businesses, with secured and unsecured options and decisions in as little as 24 hours.
Capital That Moves at the Speed of Your Business
Restaurants, retailers, clinics, contractors, salons, logistics firms and professional practices all need capital at different moments. Our small business loans keep the process simple: a short application, a fast decision and funds deposited directly to your business account.
Many small business loans are approved unsecured, so you never have to put your home or equipment on the line. Where collateral is available, we can increase the amount and lower your cost.
Program Highlights
- Short online application with documents attached
- Unsecured approvals up to $500K for qualified businesses
- Fixed payments, weekly or monthly
- No prepayment penalty on most loans
- Dedicated loan officer from start to finish
- Available across the United States, Canada, the UAE, the UK and selected international markets
What You Can Finance
Inventory
Stock up for busy seasons.
Equipment
Replace or upgrade tools, vehicles and machines.
Renovation & New Locations
Refresh your space or open a second site.
Payroll & Cash Flow
Bridge slow months with confidence.
Marketing
Invest in customer growth.
Taxes & Unexpected Costs
Handle surprises without draining reserves.
Typical Requirements
- In business for 6+ months
- Monthly revenue of $10K or more
- Owner credit score generally 600+
- Business bank account
Documents We Will Ask For
- Application and brief business summary
- Last 3–6 months of bank statements
- Owner ID and business registration
- Most recent tax return (for loans above $250K)
You can upload these directly with your loan request form.
From Request to Funding in 4 Steps
Submit Your Request
Complete the loan request form and attach your executive summary and use of funds.
Receive a Term Sheet
A loan officer reviews your file and issues indicative terms, often within 24–48 hours.
Underwriting
We verify financials, collateral (if any) and your plan, with one point of contact throughout.
Close & Fund
Sign your loan documents and receive funds by wire, in USD, CAD, AED or GBP.
Frequently Asked Questions
How quickly can I get funded?
Most small business loans are decided within 24–48 hours of a complete application and funded within a few business days of approval.
Do I need collateral?
Not necessarily. Many small business loans are approved unsecured. Offering collateral can increase your amount and reduce your rate.
Can I apply if I had a bad year?
Yes. We look at your current revenue and cash flow, the reason for the dip and your plan going forward.
You May Also Consider
Unsecured Business Loans
Capital without pledging property or equipment. Approved on cash flow, revenue and track record, with decisions in 24–48 hours.
General SME Loans
Financing from $250K to $10M for established SMEs: growth capital, acquisitions, working capital lines and refinancing.
Tech Start-Up Loans
Non-dilutive capital from $50K to $5M: venture debt, revenue-based financing and bridge-to-equity loans.
Lending Across the U.S., Canada, UAE, UK & Beyond
ER Capital Partners funds borrowers throughout the United States, Canada, the United Arab Emirates, the United Kingdom and selected international markets. We lend directly or with locally licensed partners where required, in USD, CAD, AED and GBP, with secured and unsecured options in every market.
United States
All 50 states
Canada
All provinces
United Arab Emirates
Dubai, Abu Dhabi & beyond
United Kingdom
England, Scotland, Wales & NI
Selected Markets
Approved international markets
Ready to Talk About Your Small Business Loans?
Submit your request with your executive summary and use of funds. A loan officer will respond within one business day. No application fee, no obligation.