# Apply for a business loan

Source: https://businessloanbroker.ai/apply/
Site: BusinessLoanBroker.ai (powered by Levr)

> Start a free business loan application. Upload your documents, the form fills itself, lenders in every category are matched, and you approve where it goes. US and Canada.

Start here to apply once and reach a lender in every category. It is free for your business, there is no hard credit pull to see your matches, and nothing is sent to a lender until you approve it. Have your bank statements and tax returns handy, or let your AI assistant gather them for you.

## Key facts
- **Cost:** None. Lenders pay us when a loan funds
- **Time:** 20 to 40 minutes with documents ready
- **Credit check:** None to see matches; lenders disclose any inquiry at offer stage
- **Who can apply:** Businesses in the United States and Canada. No personal loans
- **Minimum to start:** A business, a bank account, and 3 months of statements

## What happens when I click apply?

You create a free business account, tell us the basics (legal name, entity type, time in business, what the money is for), and upload your documents. The application fills itself from them. You review, fix, and answer the few remaining questions. Then you see your matches. The whole flow is described in [how it works](https://businessloanbroker.ai/how-it-works/).

## What should I have ready?

Three to six months of business bank statements, your last two years of business tax returns, and a year to date profit and loss cover most products. Equipment deals need the quote, acquisitions need the purchase agreement, factoring needs the invoices. The full list by product is in [what you will need](https://businessloanbroker.ai/apply/what-you-need/). You can start without everything and add items as you go.

## Can my AI assistant do this for me?

Yes. If you use Claude, ChatGPT, Gemini, Grok or any assistant that supports MCP, connect it to our server at `https://mcp.businessloanbroker.ai/mcp`, share your documents in the chat, and ask it to get your business a loan. It fills the application, tells you what is missing, shows your matches, and submits only when you say so. Setup for each assistant is in the [agents hub](https://businessloanbroker.ai/agents/).

## How do I know which loan to apply for?

You do not have to decide first. The application is product neutral: you describe the need and the matching shows which products and lenders fit. If you want to read first, start with [every loan type explained](https://businessloanbroker.ai/business-loans/), your [industry](https://businessloanbroker.ai/industries/), or your [situation](https://businessloanbroker.ai/situations/).

## What will it cost me?

Nothing from us, ever. Each lender's offer states its own rate, fees and terms, and you compare them before choosing. Typical ranges by product are on each loan type page, and the [calculators](https://businessloanbroker.ai/tools/) turn a rate into a monthly payment or a factor rate into a true cost.

## Questions and answers
**Is there an application fee?**

No. There is no application fee, processing fee or success fee. Anyone asking you for an upfront fee in our name is not us. See [spotting loan scams](https://businessloanbroker.ai/guides/business-loan-scams/).

**Will applying hurt my credit score?**

Completing the application and seeing your matches does not involve a hard inquiry. A lender may run one when you move forward with their offer and will tell you first.

**How fast can I get funded?**

Merchant cash advances and revenue based financing can fund in one to three days, online term loans and lines in about a week, bank loans in two to eight weeks, SBA in one to three months. See [how long it takes](https://businessloanbroker.ai/guides/how-long-it-takes/).

**I am in Canada. Can I apply?**

Yes. Canadian businesses see Canadian lenders and programs, including SR&ED financing. SBA products are US only.

## Related
- [What you will need to apply](https://businessloanbroker.ai/apply/what-you-need/)
- [Application questions, answered](https://businessloanbroker.ai/apply/faq/)
- [How it works, from your documents to funded](https://businessloanbroker.ai/how-it-works/)
- [Business loan document checklist](https://businessloanbroker.ai/guides/document-checklist/)
- [How much can I borrow?](https://businessloanbroker.ai/tools/how-much-can-i-borrow/)

## Apply
Apply for the business: https://apply.businessloanbroker.ai/signup?utm_source=direct&utm_medium=organic&utm_content=md-apply
MCP server for AI agents: https://mcp.businessloanbroker.ai/mcp (docs: https://businessloanbroker.ai/agents/mcp/)