# Business Financing by Situation Most people arrive here with a circumstance rather than a product in mind: the credit is weak, the money is needed this week, the business is too new, the paperwork does not exist. These pages answer the circumstance honestly first — including when the answer is no — and only then point at a product. [See your financing options](https://capitalgurus.com/apply/) · [(725) 425-4307](tel:+17254254307) Soft credit pull only, no obligation. - Same-day decisions from some providers. Subject to provider approval and document turnaround. - 700+ industries served - Reviews: [Trustpilot](https://www.trustpilot.com/review/capitalgurus.com) · [Google](https://g.page/r/Cf6zosahxIXzEBM/review) · [BBB](https://www.bbb.org/us/nv/las-vegas/profile/small-business-loans/capital-gurus-1086-90086762) ## Which situation is yours? - **Your credit is the obstacle**: [Bad credit](https://capitalgurus.com/solutions/bad-credit/) - **The money is needed quickly**: [Fast funding](https://capitalgurus.com/solutions/fast-funding/) - **Your business is brand new**: [Startup funding](https://capitalgurus.com/solutions/startup-no-revenue/) - **Your paperwork is not ready**: [Low-doc funding](https://capitalgurus.com/solutions/no-doc/) - **You have nothing to pledge**: [Unsecured](https://capitalgurus.com/solutions/unsecured/) **What every page here has in common**: It says what is realistic. Providers commonly look for 12 months in business, $15,000 in monthly revenue and credit from 525, depending on the funding provider. Some providers consider applications at these minimums. Meeting a minimum does not guarantee an offer. ## Financing situations - **Business financing with weaker credit** — What a lower score changes about cost, term and amount, and which structures still reach a weaker file. [Business financing with bad credit](https://capitalgurus.com/solutions/bad-credit/) - **Soft-pull business financing** — Why every provider reviews credit before it funds, what a soft pull really is, and how to spot a false one. [Business financing with no hard credit check](https://capitalgurus.com/solutions/no-credit-check/) - **Fast funding** — What actually makes a file move quickly, what slows it down, and what you give up in exchange for speed. [Fast business funding](https://capitalgurus.com/solutions/fast-funding/) - **Startups with no revenue** — What a pre-revenue business can and cannot reach, and what changes when deposits land. [Startup funding with no revenue yet](https://capitalgurus.com/solutions/startup-no-revenue/) - **Low-doc and bank-statement funding** — Which products decide on deposits rather than on tax returns and financial statements. [Low-doc business financing](https://capitalgurus.com/solutions/no-doc/) - **Unsecured funding** — What is available with nothing pledged, and what a personal guarantee still means. [Unsecured business financing](https://capitalgurus.com/solutions/unsecured/) ## Why these pages exist Product pages answer "what is a line of credit", not "my score is low and my equipment broke yesterday". These do. Each one takes a circumstance people search for, says what is realistic there, and names the structures that fit. Where a search term promises something that does not exist — and in this market several do — the page says so plainly rather than selling around it. ## What they share Every page here starts with the honest answer, not with a product, and every page says who decides. Capital Gurus is not a lender. Rates, fees and terms are set by the funding provider and disclosed in your agreement. And every page separates what we can tell you from what only an offer can tell you, because a rate, a fee and a term come from the provider and your file. ## Where to go instead For a structure, [all financing options](https://capitalgurus.com/loans-and-financing/) sets out the ladder; for your trade, see [business financing by industry](https://capitalgurus.com/industries/). For the paperwork, [what providers ask for in an application](https://capitalgurus.com/guides/business-loan-requirements/) lists it: three months of bank statements. For the payment, try the [business loan calculator](https://capitalgurus.com/calculators/business-loan-calculator/). If nothing fits this month, that is worth knowing in about 5 minutes, not after weeks of applications. ## Keep reading ### Related pages - [All financing options](https://capitalgurus.com/loans-and-financing/) - [Business financing by industry](https://capitalgurus.com/industries/) - [What providers ask for in an application](https://capitalgurus.com/guides/business-loan-requirements/) ### From the blog - [What is a soft credit check for a business loan?](https://capitalgurus.com/blog/soft-credit-check-business-loan/) - [Can you secure a business loan with a 500 credit score?](https://capitalgurus.com/blog/business-loan-with-500-credit-score/) - [Can you get a business loan with no income?](https://capitalgurus.com/blog/business-loan-with-no-income/) - [What is a blanket lien and how does it affect small business financing?](https://capitalgurus.com/blog/what-is-a-blanket-lien/) [All articles](https://capitalgurus.com/blog/) ## Frequently asked questions ### What is the difference between these pages and the product pages? A product page explains one structure: what it is, what it costs, who qualifies. A situation page starts from your circumstance and works out which structures are even in play, then sends you to the product page for the detail. If you already know you want a line of credit, go straight to the product. ### Will one of these pages tell me I cannot get financing? Sometimes, yes, and that is deliberate. A page that tells every reader the answer is yes is not worth reading. Where something is out of reach this month, these pages say so and set out what would change it — usually a smaller ask, cleaner statements, or a few months of operating. ### Do I apply differently depending on my situation? No. There is one application for the whole site. It takes about 5 minutes, it is a soft credit pull only, and an advisor reads the file and matches it to the providers whose guidelines fit it. The situation pages help you know what to ask for before you start. ### My situation is not listed here. What then? The situations here are the most common ones. For anything else, start from the product side at [all financing options](https://capitalgurus.com/loans-and-financing/), or [call](tel:+17254254307) and describe the circumstance — an advisor can tell you quickly whether anything fits. ### Are the minimums on these pages hard rules? Across the network providers commonly look for 12 months in business, $15,000 in monthly revenue and credit from 525, depending on the funding provider. Some providers consider applications at these minimums. Meeting a minimum does not guarantee an offer. Missing one does not always end the conversation. Still have a question? [talk to a funding advisor](https://capitalgurus.com/contacts/) ## Decisions from some providers the same day, depending on the provider. Subject to provider approval and document turnaround. [Apply now](https://capitalgurus.com/apply/) · [Call (725) 425-4307](tel:+17254254307) About 5 minutes, soft credit pull only · [talk to a funding advisor](https://capitalgurus.com/contacts/) By the Capital Gurus Editorial Team · Reviewed by Joseph Wartz · [Editorial policy](https://capitalgurus.com/editorial-policy/) --- Source: https://capitalgurus.com/solutions/ · Last reviewed 2026-10-28 · Capital Gurus is not a lender.