How to get a large business loan

Search and contact lenders that offer a big business loan and review their approval criteria

If your business generates more than $50,000 per month in gross revenue, or your personal credit score is over 700, then your business has a good chance to be approved for a large business loan

Identify the program that best matches your business profile

Ask the representative what their approval guidelines are for that program

Complete an application for funding and provide any supporting documentation requested to show business revenues such as bank statements or tax returns

Once approved, verify closing terms and conditions. Provide required items. Complete transaction and receive funding.

Secure DocuSign 30 Second large business loan application here
Call us at Tel:  1-919-771-4177, or Question? Contact us here.

FAQ Frequently asked questions for a large business loan.

How can we qualify for a larger business loan?

Businesses that have revenues over $50000 per month with credit scores over 600 and time in business over 1 year may qualify for a larger business loan

Do we need to provide more financial information to get higher amounts?

For amounts over $250000 more financial information may be required.  This can include the most recent years business tax returns and interim financial statements.

How many months bank statements do you need?

Between 3 and 12 months of the most recent business checking account statements are needed.

We are a startup business.   Can we get a higher amount for a business loan as a start up?

A start up can get large business funding amounts if they have had significant revenue in the first few months of operation.   The business will need to have been operating and generating significant revenue for at least three 3 months.

Our business will keep needing higher amounts of business funding in the future.  Can we use this like a business line of credit?

yes.  When the business pays the balance down to 50% or more it may qualify for more funding immediately.  Programs are available that allow businesses to draw funds after every 30 days of repayment.

Do larger business loans take longer to close?

Larger business loans often do not take any longer than smaller business loans to close.  the repayment will be based on the cash flow of the business so most of the same information is reviewed.

Will Real estate and other assets be required?

Real Estate is not required but it may allow for an approval and a higher approval amount.   Most businesses take the maximum they qualify for without involving real estate or their other assets.

We filed an extension and do not have the most recent business tax return available yet.   Will this be a problem?

amounts less than $100000 do not require a tax return in most cases.  Amounts over $100,000 may require the most recent tax  return.

What are the main reasons businesses are declined for a larger business loan?

The main reasons are low business revenues as well as very low credit scores and a short time in business.

My business partner has very bad credit.   Will that keep us from getting a larger business loan?

Business owners with bad credit that have less than 20% ownership should not cause a decline.   over 50% ownership percentage may cause a lower approval amount or a decline of the request.

Can we get a big business loan with a month repayment?

Yes.   monthly and weekly repayment business loans are also available for larger business loans and may be up to 36 months or longer.


For other financing options, please review other alternate financing programs that may better match your business needs, below:

Large Business Loan. Get $50,000 and more fast and easy

Research lenders that advertise and offer a large business loan.   Review their approval criteria.
If your business generates more than $50,000 per month in revenue and bank deposits, and the owner’s personal credit score is over 650, then your business may qualify for a large business loan.
Determine which program is the best match for your business.
Determine which program is best for your business
Contact the lender and ask about the approval guidelines for that program.
Contact the lender and ask about approval guidelines for that program
Apply for funding.  Provide any supporting documentation requested or required that strengthens your request.
Apply for funding. Provide any supporting documentation requested or required that strengthens your request

If your business is approved for funding, review terms and conditions.   Submit all items required for closing.   Close transaction to receive funding into your business checking account.


Secure DocuSign 30 Second Application here.
Or call us at Tel:  1-919-771-4177, or Question? Contact us here. 

What is a big business loan?
Businesses loans over $100,000 are considered a large business loan.   Many businesses need a business loan over $500,000 or as high as $1,000,000 and higher.
FAQ – Frequently asked Questions:

Frequent caller requests and comments:
“I need a large business loan”
“I need a high dollar business loan”
“Help get me a large business loan for a lot of money”
“Need to get a big business loan” . A minimum over $100,000.

– Clients say they were declined for a large business loan because their cash flow could not support the new debt payment.

large business loan. Get $50,000 and more quickly
large business loans. Get a big business loan easy

Large business loans over $250,000

Many high dollar business loans are restricted by lenders.

Can I payoff a large Merchant Balance with a loan?
Yes.   With a larger business loan, you can take a merchant cash advance with a high or large balance and pay it off.     Doing this can extend the term several months longer.  A large merchant cash advance of over $100,000 or over $200,000 with less than 6 months left can be paid off and the term can be extended to 10 or 12 months.  In many cases, terms up to 120 months may be available.    So go ahead, payoff a large merchant cash advance today!

Business owners say they have been declined because the amount they asked for was too high.  They requested a business loan over $250,000 or more and were denied.  Our programs are designed for higher dollar business loan needs.

Callers call in and tell us the following:

“We need a business revolving line of credit”  Callers request. “I Need a big business loan.”  “We need fast same day funding”  “How do I get a big business loan.?”  We need a loan to remodel a facility.
Use the following chart below to determine what you will need when applying for a larger business loan:
$50,000 to $100,000 Business Loan – Application and last 3 months bank statements are needed.
$100,000, $150,000 and $200,000 business loan.   Application and last 3 months business checking account statements are needed.
$250,000 to $300,000 business loan.  Application, last 3 months business checking account statements and Year to date interim Profit and Loss (P & L) Statement are needed to apply.
$350,000, $400,000, $450,000 and $500,000 Business loan.   Application, last 4 Months business checking account statements, Year to date Profit and Loss and Balance Sheet are required.

$500,000, $600,000, $750,000, $1,000,000 and $1,500,000 business loan

$500,000, $750,000, and $1,000,000  business loan:  Application, last 6 months complete business checking account statements are needed.   The last 2 Years business Tax Returns may be requested.
$1,000,000, $2,000,000, $3,000,000, $4,000,000 and $5,000,000 business loans.   Application, last 12 months business checking account statements and last 3 years business Tax returns are required.

Getting  big business loans

Businesses that have been denied by a lender because the amount of the request was too high will still try to get  small business loans another way.   Ask lenders upfront if they have a maximum loan amount and if they have different criteria for different dollar amounts.  If so, what are they?

Because the lender has different lending criteria for higher business loan requests, they may not provide you with the information.   Ask these questions to help get a larger business loan and also avoid unnecessary declines.

Representatives service the following cities in the Western Region and can be contacted.

Alaska, Hawaii and California

In Anaheim, CA and Anchorage, AK. Bakersfield, CA and also in Carlsbad, CA. Chula Vista and also Fontana, CA. Fremont, CA and in Fresno, CA. Hayward, CA and Honolulu HI.  Irvine, CA and in Madera, CA. Modesto, CA and also Merced, CA.  Oakland, CA and in Ontario, CA. Oxnard, CA and Riverside, CA. Roseville, CA and in San Francisco, CA. San Jose, CA and also San Diego, CA. Santa Ana, CA and in Santa Clara, CA. Santa Rosa, CA and Sacramento, CA. Salinas, CA and in San Bernardino, CA. In Santa Barbara, CA and also Santa Maria, CA. Sunnyvale, CA and in Stockton, CA. Thousand Oaks, CA and Vallejo, CA. Ventura, CA and also in Visalia, CA.

West Region:

Representatives in the following cities may also be contacted:

Nevada, Oregon and Washington:

In Bellevue, Washington and Eugene, OR. Everett, WA and in Henderson, NV.  Kent, Washington in addition to Las Vegas, NV.  Olympia, WA and also Portland.  Reno, NV and Seattle, WA. Olympia, WA and in Paradise, NV.  Portland, OR in Renton, Washington.   Salem, OR and in Seattle, WA.  Sparks, NV as well as Spokane, WA. Tacoma, WA, Vancouver, Washington and Yakima, Washington.

Arizona and Utah:

Albuquerque, AZ and Avondale, AZ.  Chandler, AZ and in Flagstaff, AZ.  Gilbert, AZ and in Glendale, AZ.  Goodyear, AZ and also Mesa, AZ. Nogales, AZ as well as Ogden, UT.  Phoenix, AZ and in Peoria, AZ.  Provo, UT and Scottsdale, AZ. Salt Lake City, UT and also Scottsdale, AZ.  Surprise, AZ and aslo in Tempe, Arizona.  Tucson, AZ, Yuma, AZ and San Tan Valley, AZ.

Colorado, Idaho, Montana, New Mexico and Wyoming:

In Albuquerque, NM, Aurora, CO.  Boise, ID and in Cheyenne, WY.  Colorado Springs, CO as well as Denver, CO.  Helena, MT and Lakewood, CO as well as Santa Fe, NM.

South Region:  

Consultants in the following cities can be called to schedule a same day appointment
or call: 

Kentucky, Virginia, Washington, D.C., and West Virginia: In Alexandria, VA and Arlington, VA. Chesapeake, VA and in Hampton, VA.  Huntington, WV and also in Kenner, VA and Lexington, KY. Louisville, KY as well as Lynchburg, Virginia.  Newport News, VA and in Norfolk, VA.  Petersburg, VA and also in Portsmouth, Virginia.  Richmond, VA and Roanoke, Virginia.  In Suffolk, Virginia and also Virginia Beach, VA.

North Carolina, South Carolina:

In Anderson, SC and Asheville, NC.  Cary, North Carolina and also in Chapel Hill, NC. Charleston, SC and in Charlotte, NC. Chattanooga, TN as well as Columbia, SC. Concord, NC and Davidson, TN. Dunn, NC, Durham, NC and Fayetteville, NC. Franklin, TN, Gastonia, NC. as also in Greensboro, NC. Greenville, SC,  Henderson, NC as well as Hickory, NC. High Point, NC, Kingsport, TN and Knoxville, TN.  In Maudlin, SC, Memphis, TN and also Morristown, TN. Murfreesboro, TN, Myrtle Beach, SC and Nashville, TN.  North Charleston, South Carolina as well as Raleigh, NC. Sanford, NC, Lenoir City, TN and in Shelbyville, TN. Spartanburg, SC, Wilmington, North Carolina and Winston-Salem, NC.

Florida:

In Cape Coral, FL, Clearwater, FL and Daytona Beach, FL. In Jupiter, FL, Fort Myers, FL as well as Ft. Lauderdale, FL. Hialeah, FL, Jacksonville, FL and Lakeland, FL.  Melbourne, FL, Miami, FL and Ocala, FL.  Pensacola, FL, Kissimmee, FL as well as Naples, FL. Orlando, FL, Ormond Beach, FL and also in Palatka, FL.   In Palm Bay, FL, Pensacola, FL and also Port St. Lucie, FL. Saint Petersburg, FL, Sanford, FL and Tallahassee, FL. In Tampa, FL, West Palm Beach, FL as well as Winter Haven, FL.

Alabama, Georgia, and Mississippi:

In Atlanta, GA, Augusta, GA and Birmingham, AL.  Gulfport, MS, Hoover, AL and also Huntsville, AL. Jackson, MS, Mobile, AL as well as Montgomery, AL. Savannah, GA,  St. Mary’s GA and also in Talladega, AL.

Arkansas and Louisiana:

In Baton Rouge, LA and Fayetteville, AR.  Forrest City, AR,  Lafayette, LA and Little Rock, AR. Metairie, LA and New Orleans, Louisiana. Baton Rouge, Louisiana, Shreveport, Louisiana and also Lafayette, Louisiana.

Oklahoma and Texas:

In Arlington, TX and Austin, TX.  Bartlesville, OK, Beaumont, TX and in Corpus Christi, TX. Dallas, TX, Edinburg, TX and in El Paso, TX.  Ft. Worth, TX, Houston, TX as well as Killeen, TX. Lafayette, LA, Mission, TX and Muskogee, OK.  Oklahoma City, OK, McAllen, TX and also in New Braunfels, TX.  Round Rock, TX, San Antonio, TX, as well as Shawnee, OK.  Sugarland, TX, and The Woodlands, TX as well as Tulsa, OK.

Midwest Region:
Representatives in the following Midwest cities can be contacted:

Illinois, Indiana, Wisconsin:

In Anderson, IN, Carmel, IN, and Aurora, Illinois.  Chicago, Illinois, Elgin, Illinois as well as Rockford, Illinois.  Joliet, Illinois, Lee’s Summit, Missouri and in Naperville, Illinois.  Springfield,  Illinois,  Peoria, Illinois and also in Elgin, Illinois.  Waukegan, Illinois, Cicero Town, Illinois as well as Champaign, Illinois.  Bloomington, Illinois, Decatur, Illinois and Eau Claire, WI.  Fort Wayne, IN, Gary, IN and in Indianapolis, IN.  Madison, WI, Milwaukee, WI and Naperville, IL.  Green Bay, Wisconsin, Kenosha, Wisconsin, and Peoria, IL.  Racine, WI, Springfield, IL and also Waukesha, WI.

Michigan and Ohio:

In Akron, OH, Ann Arbor, MI and Canton, OH.  Cincinnati, OH, Cleveland, OH and also Columbus, OH.  Dayton, OH, Dearborn, MI and in Detroit, MI.  Flint, MI, Grand Rapids, MI as well as Marion, OH. Maysville, OH, Muskegon, MI and Parma, Ohio.  Toledo, OH, Wilmington, OH, Wyoming, MI and also  Youngstown, OH.

Kansas, Nebraska, North Dakota and South Dakota:

In Council Bluffs, NE and Kansas City, MO.  Lawrence, KS, Omaha, NE as well as Wichita, KS.

Iowa, Minnesota, and Missouri:

In Bloomington, MN and Columbia, MO. Davenport, IA, and also Des Moines, IA.  Duluth, MN and also Independence, Missouri.  Kansas City, Missouri and Minneapolis, MN. Overland Park, MO as well as Rochester, Minnesota.  Springfield, MO, St. Charles, MO as well as St. Joseph, MO.   Springfield, Missouri and St. Louis, Missouri.  St. Paul, Minnesota and St. Cloud, MN.

Northeast Region:

New York:

In Albany, NY,  Batavia, NY and Buffalo, NY.  Cheektowaga, NY, New York City, NY as well as Niagara Falls, NY.  Rochester, NY, Schenectady, NY, Seneca Falls, NY and Syracuse, NY.

Maine, Vermont, New Hampshire and Massachusetts:

In Bangor, ME and Boston, MA. Burlington, VT, Cambridge, MA and Concord, NH. Montpelier, VT, Newton, MA as well as Portland, ME.  Providence, MA and Springfield, MA. In Warwick, MA as well as Worcester, MA.

Pennsylvania, Maryland and Delaware:

In Allentown, PA and Baltimore, MD.  Bethlehem, PA, Columbia, MD and Dover, DE. Harrisburg, PA, Lancaster, PA and in Lansing, MI.  Lebanon, PA, Manchester, PA as well as New Castle, PA.  Philadelphia, PA, Pittsburgh, PA and also Reading, PA. In Salisbury, MD, Scranton, PA and Towson, MD.  In Weirton, PA, Wilmington, DE and also in York, PA.

Connecticut, New Jersey and Rhode Island:

In Bridgeport, CT and Camden, NJ.  Hartford, CT, Jersey City, NJ as well as Milford, CT.  New Haven, CT,  New London, CT and Newark, NJ.  Norwalk, CT and Norwich, CT.  Providence, RI, Stamford, CT and also in Trenton, NJ.

In addition, get helpful tips in the application process and also review small business administration resources at SBA.gov.

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