Funding to start, grow, and scale your business
Startup capital, revenue-based financing, real estate lending, and SBA loans, arranged nationwide through America's Funding Experts. Cheri's background in lending means you get a straight answer about what you can qualify for.
What kind of funding can your business actually get?
It depends on three things: how long you have been operating, how much revenue is coming in, and what the money is for. A new business with no revenue and a five-year-old company buying its building do not qualify for the same programs.
Cheri helps business owners and professionals across the country secure funding to start, grow, and scale. The intake is a short conversation, not a stack of forms, and it tells you which of the four categories below is realistic before anyone pulls credit.
- Pre-revenue and new businesses. Startup funding built on the owner's personal credit profile rather than business history.
- Operating businesses that need cash fast. Revenue-based financing sized to monthly deposits, often funded in days.
- Owners buying or refinancing property. Commercial real estate lending, including owner-occupied buildings.
- Established companies with strong paperwork. SBA loans with longer terms and lower rates, in exchange for more documentation.
Four funding types, four different jobs
All four are arranged through America's Funding Experts and funded through National Corporate Credit and its lending partners. Cheri is the named agent on the America's Funding Experts page you apply through.
Startup funding
Capital for businesses under two years old or with little revenue. Approval leans on the owner's personal credit, so a clean report matters more than a long track record.
Revenue-based financing
An advance sized to your monthly deposits and repaid as a share of future revenue. The fastest option, and the most expensive per dollar, so it fits short-term needs with a clear payoff.
Real estate lending
Purchase, refinance, or cash-out on commercial property. Underwritten on the property and the business together, with appraisals and title work built into the timeline.
SBA loans
Government-guaranteed loans with terms up to 10 years for working capital and up to 25 for real estate. The best rates available to most small businesses, in exchange for the most paperwork.
How do the four options compare?
General ranges for the market as a whole, not an offer. Your numbers come out of the review.
| Consideration | Startup funding | Revenue-based | Real estate | SBA loan |
|---|---|---|---|---|
| Speed to funding | 1 to 3 weeks | A few business days | 30 to 60 days or more | 30 to 90 days |
| Typical amount range | $10,000 to $150,000 | $10,000 to $500,000 | $250,000 to several million | $50,000 to $5 million |
| What you need | Good personal credit, an EIN, a business bank account | 6 months or more of deposits, recent bank statements | Property details, appraisal, 2 years of financials, down payment | 2 years in business, tax returns, financial statements, a business plan |
| Best for | Launching, first inventory, early equipment | Bridging cash flow, a fast opportunity, seasonal stock | Buying or refinancing the building you operate in | Expansion, acquisitions, refinancing expensive debt |
Startup funding
- Speed
- 1 to 3 weeks
- Typical range
- $10,000 to $150,000
- What you need
- Good personal credit, an EIN, a business bank account
- Best for
- Launching, first inventory, early equipment
Revenue-based financing
- Speed
- A few business days
- Typical range
- $10,000 to $500,000
- What you need
- 6 months or more of deposits, recent bank statements
- Best for
- Bridging cash flow, a fast opportunity, seasonal stock
Real estate lending
- Speed
- 30 to 60 days or more
- Typical range
- $250,000 to several million
- What you need
- Property details, appraisal, 2 years of financials, down payment
- Best for
- Buying or refinancing the building you operate in
SBA loan
- Speed
- 30 to 90 days
- Typical range
- $50,000 to $5 million
- What you need
- 2 years in business, tax returns, financial statements, a business plan
- Best for
- Expansion, acquisitions, refinancing expensive debt
Amounts, timelines, and requirements are general industry ranges and vary by lender and program. Revenue-based financing is highlighted for speed, not for cost. Nothing here is a commitment to lend.
What decides the rate and the amount?
Six factors, roughly in order of weight. Two of them you can improve before you apply, and one of them you can fix this week.
Two years opens most doors, including SBA. Under a year narrows the list to startup and revenue-based programs.
Lenders size the offer to monthly deposits and annual sales. Consistent revenue counts for more than one big month.
The owner's personal score sets the rate on most programs. Higher scores widen the options and lower the cost.
Equipment, property, or expansion with a clear return is easier to fund than an unspecified cushion.
Property, equipment, or receivables lower the lender's risk and the rate. Many revenue-based programs need none.
Tax returns, bank statements, and a profit and loss statement ready to send. This is the one you can fix this week.
Nationwide, through partners Cheri works with directly
Funding is not an insurance product, so it is not limited to California. Cheri arranges it for owners in any state through America's Funding Experts, with National Corporate Credit behind the lending.
Her own history matters here. Before founding the practice she worked in mortgage lending and small business loans, so she reads a file the way an underwriter does. That is why the first conversation ends with a realistic list instead of a hopeful one.
About your credit. The initial review uses a soft pull or no pull at all. A hard inquiry only happens when you choose a lender and submit a full application, and Cheri tells you which stage you are at.
From intake to money in the account
Intake call
Time in business, revenue, credit range, and what the money is for. About 20 minutes, no hard credit pull.
Program match
The programs you realistically qualify for, with speed, cost, and paperwork laid out side by side so you can choose.
Application and funding
Documents submitted through the partner platform, lender questions handled, and funds wired on the lender's timeline.
Business funding questions
Startup funding, revenue-based financing, real estate lending, and SBA loans are the main categories, arranged through America's Funding Experts and National Corporate Credit.
The right option depends on time in business, revenue, credit, and what the money is for. A quick intake shows which programs you could realistically qualify for before anyone pulls credit.
The initial review does not. Prequalification uses a soft pull or none at all. A hard inquiry only happens when you choose a specific lender and submit a full application.
Cheri will tell you which stage you are at so there are no surprise inquiries on your report.
Revenue-based and working capital programs can fund in a few business days. SBA and real estate loans take weeks because of documentation and appraisals.
Having tax returns, bank statements, and a clear use of funds ready shortens every timeline.
If you sign contracts, hire people, or send invoices, one hour of attorney time usually costs more than a year of membership. That is the math most owners use.
It is not the right fit if you already keep an attorney on retainer or expect to need litigation, which memberships cover only partially.
Yes. Key person insurance pays the company if an owner or essential employee dies. Buy-sell agreements funded with life insurance let surviving partners buy out the deceased partner's share without draining the business.
Lenders also often require life insurance on the owner as a condition of an SBA loan, which is one reason funding and life insurance sit side by side in this practice.
Find out what your business qualifies for
A free funding review with Cheri. Bring last year's numbers and a clear use of funds, leave with a realistic list of programs.