Small business funding
Get your business funded
$10K to $1M through our funding network, with decisions as fast as the same day.
- Soft credit pull, doesn't affect your credit
- Approved files funded as fast as the same day
- Businesses in all 50 states
How it works: 4 easy steps
- Pre-qualify online. A few basic details about your business.
- Share your bank statements. Your last 3 months of business bank statements (4 in CA and NY) and a photo ID.
- Compare your funding options. We review offers from our funding partners and explain each one in plain terms.
- Choose and get funded. Pick the option that fits your business, and the funds are sent to your business bank account.
Quick links
Check if you qualify
5 quick taps. No personal info, nothing is sent anywhere.
Question 1 of 5
Apply now
Three steps to get your file in front of our funding network.
Fill out the application
It takes a few minutes. Applying uses a soft credit pull, so it doesn't affect your credit.
Open the applicationSend your bank statements
Your last 3 months of business bank statements (4 months if your business is in California or New York).
Send bank statementsSend ID & voided check
A photo of your Driver's License (front, and back if you can) and a Voided Check from your business bank account.
Send ID & voided checkWhat you need to qualify
- 6+ months in business
- $20,000+ in monthly revenue
- 3 months of business bank statements (4 in CA and NY)
Questions first? Call (732) 912-7778
Send bank statements
Upload your last 3 months of business bank statements. Businesses in California or New York: send 4 months.
Send ID & voided check
Snap a photo or pick a PDF: your Driver's License and a Voided Check from your business bank account.
Got it — we'll review and reach out.
Your files were sent to Big Ben Consultants.
Tips
- Download the full PDF statements from your bank's website or app.
- Send all pages, including the ones with no transactions.
- Screenshots are harder to verify; PDFs are best.
Tips
- Lay the card or check flat in good light, all four corners showing.
- Make sure the name and numbers are sharp and readable.
- Voided Check: use a check from your business bank account.
Funding options
Your advisor shows you every offer side by side so you pick what fits.
Merchant Cash Advance
A lump sum now in exchange for a share of your future sales. Payments are a share of your sales or a fixed daily or weekly amount, and approval is based mainly on revenue.
Learn more ›Line of Credit
Draw what you need, when you need it, up to $250,000, paying only on what you use. As you pay it down, that amount becomes available again. Typically for businesses with 2+ years in business.
Learn more ›Term Loans
One lump sum with fixed payments weekly, bi-weekly or monthly and a clear end date. A solid fit for planned investments.
Learn more ›Working Capital
From $10K to $1M to cover payroll, rent, inventory and cash flow gaps when sales are coming in but cash is tight.
Learn more ›Equipment Financing
Trucks, machinery, restaurant and medical equipment, new or used. Spread the cost over time; the equipment often serves as collateral.
Learn more ›Talk to a funding advisor
Questions about funding or ready to apply? Reach us any way you like. A funding advisor will get back to you, usually the same business day.
Common questions
What does Big Ben Consultants do?
We help small businesses get funding: merchant cash advances, lines of credit, term loans, working capital and equipment financing. We compare options from our funding partners and help you choose the one that fits.
Do you work with businesses outside New Jersey?
Yes. We’re based in Toms River, NJ, and fund businesses in all 50 states.
What do I need to qualify?
For most programs: at least 6 months in business and $20,000+ in monthly revenue. Some products, like a line of credit, have higher requirements.
What documents do I need?
A completed application and your last 3 months of business bank statements (4 months for businesses in California and New York). Your advisor will tell you if anything else is needed.
How fast can I get funded?
Decisions can come the same day, and approved files can be funded as fast as the same day. Timing depends on how quickly the file is complete and verified.
How much can I get?
Funding ranges from $10K to $1M depending on the product and your business’s revenue and history.
Does applying affect my credit?
No. We use a soft credit pull, which does not affect your credit score.
Are there hidden fees?
No. Your advisor goes over the total cost and payment schedule of every offer before you sign.
What is a merchant cash advance?
A merchant cash advance is an advance on your business’s future sales, paid back from your revenue. It is not a traditional bank loan.
Are you a lender?
No. We’re a funding broker. We send your file to our funding partners and help you pick the offer that fits your business best.
Big Ben Consultants is a funding broker, not a lender. Funding through our network is subject to approval and verification by the funder. Firestone Holdings Ltd DBA Big Ben Consultants.