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Direct lender for Personal Funding, Business Funding, and Business Line of Credit

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Illustrative small business owner completing a funding application on a laptop at her shop counter
Direct lender
  1. 01Apply directly
  2. 02In-house review
  3. 03We make the decision
  4. 04We fund

Direct Lending Clear Process Real Funding Solutions

The Final Loans is a direct lender providing unsecured Personal Funding, unsecured Business Funding, and a Business Line of Credit.

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Programs

Funding Solutions for Individuals and Businesses

Choose the program that matches your current need.

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You can apply directly to The Final Loans for Personal Funding, Business Funding, or a Business Line of Credit. If your business is already carrying qualifying unsecured debt or MCA obligations, our Loan Modification program follows a separate negotiation and repayment process.

Process

How The Final Loans Works

Apply directly to The Final Loans. Our team reviews your application in-house, evaluates the information relevant to the program, makes the lending decision, and funds approved financing according to the applicable agreement.

See How It Works

  1. Apply directly

    Choose the program that fits your needs and complete the appropriate application.

  2. We review your application

    Our team reviews the submitted information and the materials required for the selected program.

  3. We make the decision

    The Final Loans determines whether the application qualifies under the applicable program criteria.

  4. We fund approved financing

    Once approved and required conditions are completed, financing is funded according to the agreement.

Separate service

Loan Modification Follows a Different Path

For existing business debt, not a new loan

We also provide a separate Loan Modification program for qualifying unsecured business debt and MCA obligations.

Loan Modification is for existing qualifying unsecured business debt and MCA obligations. Instead of issuing a new loan for the existing debt, The Final Loans works with the existing lenders to negotiate modified repayment arrangements. Where the approved arrangement provides for it, the customer makes one payment to The Final Loans and we handle the agreed payment distribution.

Explore Loan Modification
Illustrative application specialist working through a file during an in-house review
In-house review

Why Borrowers Choose The Final Loans

  1. 01You apply directly to the lender for our funding programs.
  2. 02Our review looks at the information relevant to the program.
  3. 03Our objective is to provide a clear lending decision and a straightforward path from application to funding.
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Your application is reviewed in-house by our team rather than being presented as a marketplace that simply routes your request to unrelated lenders.

Credit history can matter, but the applicable review may also consider financial history, banking activity, existing obligations, business information, and other relevant application factors.

What Makes The Final Loans Different

The Final Loans is built around a direct relationship with the borrower. For our funding programs, the borrower applies directly to us, our team reviews the application in-house, and The Final Loans makes the lending decision.

For businesses, the review can take into account more than the requested funding amount. Credit history, banking activity, deposits, withdrawals, existing obligations, business information, and other relevant application details can help our team understand the overall request.

Ready when you are

Apply Directly to The Final Loans

Choose the program that matches your need. Each route asks for the information relevant to that program so your application starts in the right place.

No fee

Loan Modification

For existing business debt, not a new loan
Qualifying debt
$20,000 or more
Debt type
Unsecured business debt and MCA
Timing
Typical timeline 2 to 5 days
Scope
Business debt only
Start Loan Modification Application
Testimonials

Hear From Our Broker Partners

Brokers whose clients were funded by The Final Loans.

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Choose the Program That Fits Your Situation

If you need personal financing, start with Personal Funding. If your business needs unsecured capital, explore Business Funding. If your business needs ongoing access to revolving credit, explore the Business Line of Credit. If your business is already carrying qualifying unsecured debt or MCA obligations, review Loan Modification.

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  • Personal Funding: $10,000 to $500,000, Minimum credit score 670, Terms up to 7 years, No upfront fee, Typical funding 2 to 5 days.
  • Business Funding: $10,000 to $1,000,000, Minimum credit score 600, Minimum 6 months in business, Terms up to 5 years, No upfront fee, Same-day funding.
  • Business Line of Credit: $10,000 to $2,000,000, Minimum credit score 650, Minimum 6 months in business, Terms up to 5 years, Average interest rate 3% to 13%, No upfront fee, Same-day funding.
  • Loan Modification: $20,000 minimum qualifying unsecured business debt, Business debt and MCA obligations within the program scope, No fee, Typical timeline 2 to 5 days.
Choose a program
See How It Works

Apply directly No upfront fee on our funding programs

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