Apply Online
60-second application. No hard credit pull, no obligation, no fees.
Smart Matching
We scan our lender network to find your best rates and terms.
Review Your Offer
We match you with one best-fit lender. Your advisor walks you through the offer.
Get Funded
Accept your offer. Funds in your account within 24 hours.
Who This Is For
Who the BizBee process works best for
Business Type
U.S. small businesses across construction, trades, restaurants, medical, automotive, trucking, and professional services.
Revenue Level
$10K+ in monthly revenue with 6+ months in business.
Situation / Use Case
You want one best-fit lender match, not your application blasted to dozens of lenders blowing up your phone.
When This Makes Sense
When the BizBee process is the right fit
Ideal scenarios
- You need funding within 24–48 hours, not weeks
- You want one best-fit lender match instead of a barrage of competing offers and calls
- You prefer a soft credit pull over a hard inquiry while shopping
- You want a dedicated advisor instead of a 1-800 phone tree
When it might not fit
- You only want a long-term, low-rate SBA product (these run on a slower bank timeline)
- You have not yet started operating or generating any revenue
- You are looking for personal consumer credit instead of business funding
Ready to see what your business qualifies for?
60-second application. Soft credit pull. No obligation.
How the BizBee Funding Process Works
BizBee Funding is a business loan broker, not a direct lender, but we work differently than typical marketplaces. We match qualified small businesses with the single best-fit lender from our vetted network, so owners get the right offer from one short application, without their file being blasted to dozens of lenders.
1. Apply in about 60 seconds
The online application asks for basic business details: legal name, time in business, monthly revenue, industry, and how much funding you need. There is no hard credit pull and no obligation. Most owners finish in under two minutes.
2. Soft review and pre-qualification
A funding advisor reviews your submission and runs a soft credit check that does not affect your credit score. We confirm the basics, revenue, time in business, industry fit — and prepare a clean profile for our lender network.
3. Single best-fit lender match
Your profile is evaluated against a network of vetted business lenders covering business lines of credit, term loans, working capital loans, equipment financing, and more. Instead of pushing your file to many lenders and leaving you to juggle competing offers and sales calls, we identify the single lender most likely to approve and price your business well, and bring you that offer.
4. Review your offer with a dedicated advisor
Your advisor walks through your matched offer line by line, amount, term, payment, total cost, and any covenants - so you understand the trade-offs before you sign. There is no pressure to accept, and no spam from other lenders.
5. Approval and funding
Once you accept, the lender finalizes documents and funds the deal. Same-day or next-business-day funding is available for many qualified businesses, with most clients funded within 24–72 hours of accepting an offer.
Typical Timeline
- Application: ~60 seconds
- Soft review & pre-qualification: same business day
- Lender offers returned: within hours
- Offer review with advisor: 15–30 minutes
- Funds in your account: 24–72 hours after acceptance
What to Have Ready
- Legal business name, EIN, and business address
- Time in business and industry
- Average monthly revenue
- 3 most recent business bank statements (when requested)
- Owner contact details and basic ID for verification
Documentation requirements vary by lender and product. Many short-term and working capital approvals require minimal paperwork.
After You're Approved
After you accept an offer, the lender handles the funding directly. Your BizBee advisor stays available for questions about the agreement, payment schedule, or future funding needs. Many clients return for follow-on financing, a renewal, a new line of credit, or a different product as the business grows.
Looking for a specific product? Compare a business line of credit, term loan, or working capital loan , or learn more about how BizBee works as a broker.
The Smarter Path to Business Capital
Traditional banks were built for a different era.
What Makes BizBee Different
No Hard Credit Pull
Our matching process uses a soft pull with zero impact on your credit score.
One Best-Fit Lender Match
One short application. We match you with the single lender that fits — no barrage of competing offers.
Expert Human Advisors
Our funding advisors negotiate the best terms and guide you through every step.
Speed That Matters
Most clients receive offers within hours and funding within 24-48 hours.
No Upfront Fees
We never charge businesses upfront fees. We're compensated by lending partners.
Pick your path
Funding products & next steps
- Business line of creditRevolving access, interest only on what you use.
- Business term loansLump-sum capital with structured monthly payments.
- Working capital loansShort-term funding for payroll and operating gaps.
- Equipment financingFinance trucks, machinery, and shop equipment.
- Business loan FAQRates, credit pulls, documents, and eligibility answers.
- Funding requirementsWhat it takes to qualify for small business funding.
Ready to Join the Hive?
Apply now via BeeLine™ and get your funding decision in minutes. Complete in less than 60 seconds.