How to get a large business loan

Use your business cash flow or assets to get a large business loan.  How to search and contact lenders and learn how to get approved.   Get business loans of $50,000 and up to $1,000,000 through these programs.  Fast and easy process with 1 to 3 day closings may be available.  Very little documentation and financials in most cases.  Business loans up to 2,000,000 available with either real estate or unsecured with strong monthly cash flow.

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 600, then your business has a good chance to be approved.
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How to get a large business loan: How to steps, direction, and tips:

How to get a large business loan
How to get a large business loan fast and easy
Estimated Cost: $0
Total Time: 1 Day
Supplies Needed:  Financial statements if available, Business bank statements, and Tax returns for requests over $100,000.
Time available.

Tools needed: Internet connection, phone, computer

Step 1:  Preparation

Research companies that offer big business loans. Search for programs that best match your business for the amount requested, your annual sales, credit, time in business and use of funds by your business.

large business loans up to $1,000,000
Search for companies that offer specific programs that you are looking for.

Step 2: Have your business financial information ready to go.

Tip: Start the process a few weeks before needing business funding.  Larger funding amounts over $100,000 often require more time for an approval. If your business generates more than $50,000 per mont hin gross revenue and your personal credit score is over 700, then your business has a better chance to be approved.
Review your business bank statements and financial information before providing. If there are any problems then write an explanation for those problems before applying. This can include slower business periods during the year, low net income on financial statements or any other reason.
Start early to get a big business loan
Start weeks before you need the loan if possible. You may need that time to get documentation together.

Step 3:  Settle on the top 2 or 3 programs that best matches your business for your profile and the reason you want the loan.

Contact qualifying companies and ask about their qualifying criteria
Try to find out if your business has a good chance to be approved.   Some lenders may be able to prequalify your business over the phone
Business loans for a higher approval amount
Call and talk with a representative of the most qualifying programs. Tell them your company’s main characteristics such as amount requested, time in business, credit and ask if you will qualify.

Step 4: Submit an application

Go with the most likely program you have determined can get your business a big business loan based on your review and any conversations you had with the lender.   Complete an application for funding and provide the supporting documentation requested to show business revenues such as bank statements or tax returns.
Apply if you can get approved for a bigger business loan
Is the program the best fit? Then apply!

Step 5:  Review approval offers

Once approved, review all details of closing terms and conditions. Make sure you can provide required items. Complete transaction and receive funding.
Was your business declined? Contact the lender and try to find out why you were declined.  Can you do anything to get the decision reversed?  If not, then go back to other lenders you looked at during your initial search. Ask the other lenders if the reason you were declined will be an issue for them.  If not, then consider applying with them
big business funding amounts
Review approval terms. If you are satisfied, provide closing stipulations and get funding into your business checking account.



FAQ Frequently asked questions.

How can I get a large business loan?

You need to be the majority owner of a business with time in business at least 6 months and revenues over $50,000 per month. Higher credit score will help get approvals and higher approval amounts.

How can we qualify for a larger business loan?

Businesses that have revenues over $50000 per month with credit scores over 575 and time in business over 6 months may qualify for a larger business loan. The higher the average bank balances or average daily balance the more your business can qualify for.

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.   Another requirement is 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?

They 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 and longer term?

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 plus fast and easy

Get a large business loan using your cash flow or assets.  How to search and contact lenders and learn how to get approved.   Get business loans of $50,000 and up to $1,000,000 through these programs.  Fast and easy process.   Little documentation and financials in many cases.  Business loans up to $1,000,000 available with either real estate or unsecured with strong monthly cash flow.
Secure DocuSign 30 Second Application here.
Or call us at Tel:  1-919-771-4177, or Question? Contact us here. 

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.
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.


Many businesses need funding for over $500,000 or as high as $1,000,000 and higher.

Paying off a large Merchant Balance with a 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.  Terms up to 120 months may be available with same day and next day loans.   Payoff your 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.”We need fast same day funding”   We need a loan to remodel a facility.
Use the following chart below to determine what you will need when applying.
$50,000 to $100,000 Business Loan:  Provide an application and last 3 months bank statements.
$100,000, $150,000 and $200,000 business loan.   Provide an application and last 3 months business checking account statements.
$250,000 to $300,000 business loan.  Submit an application, last 3 months business checking account statements and Year to date interim Profit and Loss (P & L) Statement.
$350,000, $400,000, $450,000 and $500,000 Business loan.   Submit an Application, last 4 Months business checking account statements, Year to date Profit and Loss and Balance Sheet.

$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:  Submit an application, last 6 months complete business checking account statements.  Provide the last 2 Years business Tax Returns.
$1,000,000, $2,000,000, $3,000,000, $4,000,000 and $5,000,000 business loans.   Submit an application, last 12 months business checking account statements and last 3 years business Tax returns.

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 approved and also avoid unnecessary declines.

FAQ Frequently asked questions on getting a large business loan.

How can I get a large business loan?

Keep your personal and business credit scores as high as possible. Show the maximum net income on your business tax returns. Maintain full financial records including the last 2 years tax returns, financial statements and interim financials for business loans over $100,000. Apply with lenders that specialize in large business loans.

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. The higher the average bank balances or average daily balance the more your business can qualify for.

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 year to date.

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 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. Another requirement is 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?

They 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 monthly repayment and longer term?

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

Can I get a larger business loan without a coj confession of judgement?

You can get bigger business loans up to $50,000 and $100,000 without a coj. Consider excellent longer term options without having to have a notarized confession of judgement which other lenders can use to deplete your accounts if you cannot pay or default