Business financing and loan FAQ

Park Business Capital helps businesses get funding such as short-term loans, long-term loans, SBA loans, lines of credit, equipment financing, invoice factoring, merchant cash advances, and credit card splits. Based in Miami, we work with businesses small and large across the country, supporting industries such as manufacturing, construction, healthcare, services, restaurants, automotive, transportation, and wholesale.

Applying takes a few minutes. Submit a short online application with basic details about your business, and checking your eligibility has no impact on your credit. We then match you with the options you qualify for, you choose the offer that fits, and approved businesses are often funded in 1-3 business days. There are no application fees.

A short-term business loan gives you a lump sum that you repay over a shorter period, usually a few months up to about 18 months. It is a fast, flexible option for immediate needs like inventory, payroll, or an unexpected expense, with quick approval and funding.

A long-term business loan spreads repayment over a longer period, often several years, usually with lower and more predictable monthly payments. It suits larger investments in growth, such as expansion, equipment, or refinancing, where you want manageable payments over time.

We help businesses across a wide range of industries get funding, including manufacturing, commercial construction, healthcare and medical offices, services and consulting, restaurants, automotive, transportation and trucking, and wholesale. If your industry is not listed, reach out. We work with businesses across many sectors.

No. You do not need an LLC specifically. We work with sole proprietorships, partnerships, LLCs, and corporations. What matters most is that you run a legitimate business with revenue, rather than a particular legal structure.

A personal loan is based on your individual income and credit and is for personal use. A small business loan is based largely on your business revenue and health and is meant for business purposes. Business financing usually offers higher amounts and terms built around how a business earns and spends.

Yes. Many options, such as short-term loans, lines of credit, and merchant cash advances, are available without specific collateral. The right fit depends on your revenue and goals, and we can walk you through what you qualify for.

Requirements vary by product, but we generally look at your time in business, monthly revenue, and business bank activity rather than credit alone. Checking your eligibility is fast and does not affect your credit.

No. Checking your eligibility and seeing your options uses a soft inquiry, which does not impact your credit score. A hard credit pull would only happen later in the process, with your consent, if you move forward with certain offers.

Funding generally ranges from $50,000 up to $10 million, depending on your revenue, financials, and the product you choose. We help you find the amount and structure that fits your needs without overextending your business.

Common options include short-term loans, long-term loans, SBA loans, business lines of credit, equipment financing, invoice factoring, merchant cash advances, and credit card splits. Each works differently, and we help you compare them to find the best fit.

Rates depend on the financing type, your revenue and credit profile, and the term you choose, so they vary from business to business. Because there is no impact to your credit to check, the best way to see your actual rate is to apply and review your options.

Terms range from a few months for short-term financing to several years for long-term loans, with payments that may be daily, weekly, or monthly depending on the product. We help you choose a term and schedule that matches your cash flow.

You can use funding for almost any business purpose: working capital, payroll, inventory, equipment, expansion, marketing, hiring, bridging seasonal gaps, managing cash flow, or taking on a growth opportunity. The funds are yours to use as your business needs.

You can, but it is usually not ideal. Personal loans offer smaller amounts and put your personal finances directly at risk. Business financing gives you larger amounts, terms built around how businesses operate, and keeps your business and personal money separate.

Unlike a single bank with one set of products, Park Business Capital works with many lending partners to match you with the right fit. You get fast approvals, funding often in 1-3 business days, no application fees, and no credit impact to check your options, plus guidance from a team that understands your industry.