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Frequently Asked Questions

Get the answers you need before you start.

What types of financing do you offer?

We provide a range of business financing solutions, including:
• SBA 7(a) Working Capital Loans – Low-interest, long-term funding for business expenses.
• SBA 7(a) Acquisition Loans – Finance up to 90% of a business purchase.
• Startup Loans – Fast, unsecured funding for new businesses.
• StreamLOC (Business Line of Credit) – Flexible, on-demand access to capital.
• Commercial Real Estate Loans (OOCRE) – Fund up to 70% of property purchases.

Thanks to government backing on SBA loans and our deep lender network, we secure some of the lowest rates available. We also use cutting-edge technology to match you with the best funding options in record time.
Approval times vary by product:
•Lines of Credit & Startup Loans – Approvals within 24-48 hours, funding shortly after.
•SBA Loans – Typically approved in a few weeks, with funding shortly after closing.
•Commercial Real Estate Loans – Timelines depend on the complexity of the transaction.
We work with a range of credit profiles:
•SBA & Acquisition Loans – Typically 680+ personal credit score.
•Startup Loans – Your personal credit score (not business credit) is the key factor.
•Lines of Credit – Credit score requirements vary, but approvals start at 650+.

Not necessarily. Many of our financing options, like Startup Loans and StreamLOC, are unsecured, meaning no personal or business assets are required as collateral. For SBA and commercial real estate loans, collateral may be required depending on the loan structure.

Yes! Our Startup Loan program is specifically designed for businesses without revenue, and our SBA loans make it easier for businesses with lower revenue or limited credit history to get approved.

No, our initial pre-qualification process only involves a soft credit pull, which won’t affect your score. A hard credit check may be required later when finalizing your loan approval.

Applying is fast and simple. Just click Apply Now on our website, complete a short form, and we’ll match you with the best financing options.

No, Streamline Capital’s platform will use your information to provide loan options from lenders, but your information is not sold to third parties. You will only continue with the lender you choose.  

Yes! While we function as a direct lender in many cases, we also work with multiple banks and lending partners to provide the best possible funding options tailored to your business.