Denied a Business Loan? Get Approved Here

Short answer: Yes. We fund applicants after bank denials every single day. Banks have rigid criteria. Our funding network is built for businesses that don’t fit the bank box.

67% of small business loan applications get denied by traditional banks. That doesn’t mean you can’t get funded. It means you applied at the wrong place.

Why Banks Deny Business Loans (And Why It Doesn’t Matter Here)

Banks deny loans for reasons that have nothing to do with your ability to repay:

• Credit score below 680 — Banks want 700+. We have options starting at 500.
• Less than 2 years in business — Banks want a long track record. We fund businesses at 6 months.
• “Insufficient collateral” — Banks want your house. We have unsecured options.
• Industry restrictions — Banks avoid restaurants, construction, trucking. We don’t.
• Too small — Banks won’t bother with loans under $250K. We start at $10K.

Funding Available After Bank Denial

The Fundmerica Difference

One application. 75+ funding sources. Zero judgment.

We don’t care that Chase or Wells Fargo said no. We look at your business differently:

• Revenue matters more than credit — If your business generates consistent income, you have options.
• We find the right fit — Not every funder is right for every business. We match you to the one that works.
• Transparent terms — No hidden fees. No bait-and-switch. You see the real numbers before signing anything.

Real Stories from Business Owners Who Were Told “No”

“Three banks denied me because my credit was 580. Fundmerica got me $120K through a revenue-based program. I used it to buy two trucks and tripled my revenue.” — D. Wilson, Logistics, GA

“My restaurant was ‘too new’ for a bank loan at 14 months old. Fundmerica connected me with a line of credit for $75K. That was 2 years ago — I just opened my second location.” — A. Patel, Restaurant Owner, AZ

What To Do After a Bank Denial

1. Don’t apply at another bank — You’ll get the same answer and another hard inquiry
2. Apply with Fundmerica — One soft-pull application, dozens of non-bank options
3. Get funded — Most denied applicants who come to us get approved within 24–48 hours