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Small business lending that’s fast and easy. 

A+ Rating

With the Better Business Bureau

$15 Billion

Delivered to U.S. businesses

Your business needs options.
We’ve got different loans available for you.

FTC Capital
Line of Credit

Use for managing cash flow, such as buying inventory or making payroll

Get a revolving credit line, with access to cash when you need it

Loan amounts of $6K–$100K 12-month repayment term, resets after each withdrawal

FTC Capital Term Loan

Use for investments in your business, such as expansion projects or large purchases

Get a one-time lump sum of cash upfront, with the option to apply for more when you’re halfway paid down

Loan amounts of $5K–$250K Repayment terms up to 24 months

The perfect combo of speed and service. And it’s easy to get started.

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Step 1. Complete the application

Our application is pretty simple, and you can apply online or over the phone. 

Step 2. Get a decision

Your dedicated loan advisor will review your options with you.

Step 3. Receive your funds

Complete the online checkout and receive your funds as soon as the same day.*

Minimum eligibility requirements for an FTC Capital Term Loan or Line of Credit

We lend to over 700 industries, but there are some industries we cannot serve: see list of restricted industries. In addition, FTC Capital does not lend to businesses in Nevada, North Dakota, or South Dakota.

Online doesn’t have to mean impersonal – with FTC Capital you get real people to talk to.

You don’t need to be an expert on small business loans. Your dedicated, U.S. based loan advisor is available to help you every step of the way.

Call: (888) 533-0997

Monday – Friday
9:30 a.m. – 7:30 p.m. ET

Here’s what business owners like you have to say

Apply Online

Give us a call:

(888) 533-0997

Monday – Friday
9:30 a.m. – 7:30 p.m. ET

* Same Day Funding is only available in certain states, for term loans up to $100K. Eligibility window is Monday-Friday before 10:30am EST. If checkout is done before 10:30am EST, funds will be available by 5pm local time the same day. If checkout is done after 10:30am EST, or on a weekend or bank holiday, it will not qualify for Same Day Funding and funds will be deposited within 2-3 business days. Eligibility rules around creditworthiness and length of term loan apply.

Eligibility for the lowest rates is very limited, available only to businesses with the strongest creditworthiness and cash flows, and typically businesses that have shown an excellent payment history on prior loan products with FTC Capital. The average rate for term loans is 62.1% APR and the average rate for lines of credit is 48.9% APR. Averages are based on loans originated in the half-year ending March 31, 2022.

USA

CANADA

AUSTRALIA

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Depending on the state where your business is located and other attributes of your business and the loan, your business loan may be issued by a member of the FTC Capital family of companies or by Celtic Bank, a Utah-Chartered Industrial Bank, Member FDIC. Your loan agreement will identify the lender prior to your signing. Loans subject to lender approval.

FTC Capital is a Registered Trademark. All rights reserved.

1 Whitehall St 2nd Fl New York NY 10004

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