Onward with usOnward — with us
Up to
$500,000.
Unsecured. No collateral, no assets pledged, no upfront fees and no down payment. Two programs, four short steps, and an answer on where you stand before anyone pulls anything.
This prequalification tool matches your answers against two unsecured business funding programs — a 5 or 7 year term loan and a 0% business credit card program — and tells you on screen which ones your file fits. It is not an application and it does not create a credit inquiry.
No documents. No credit inquiry. About two minutes.
What's on the table.
5 or 7 year
term loans
- Rates from 9–15%, depending on the strength of personal credit
- No minimum length of time in business
- Fixed monthly payment
- No upfront fees or down payment
- Full liquidity immediately
- Funding in 7–15 business days
- No assets or collateral required
- No prepayment penalty
- 680+ personal credit scores in all 3 bureaus
- 2 years of personal tax returns showing $50,000 or more of taxable income
Business credit
card program
- 0% interest for 6–12 months
- No minimum length of time in business
- Stated income
- No upfront fees
- Reports only to the business
- 700+ personal credit scores on all 3 bureaus
- Established business entity
Apply. Consult. Funded.
- I
Apply
The four steps below. No documents and nothing pulled — you're telling me where you stand so we both know whether a real application is worth filing. You get the answer on the screen.
- II
Consult
We go through the file together — the amount, the structure, and which lender it belongs with. This is where documents get collected and where fees are disclosed in writing, before anything moves.
- III
Funded
Submitted, underwritten, funded in 7 to 15 business days from submission. Fixed payment, no prepayment penalty, money available immediately.
See what you match.
Answer honestly. A wrong answer here doesn't get you funded — it just spends a submission and a hard inquiry to be told the same thing.
Does this hurt my credit?
Not this form. Nothing here pulls anything. The hard inquiry only happens if and when a file actually goes to a lender, and you'll know before it does.
What does it cost me?
Nothing upfront and no down payment. On placement I'm compensated by the lender side, and that is disclosed to you in writing before your file moves anywhere.
My business is brand new. Does that disqualify me?
No. Neither program has a minimum time in business. The term loan looks at personal credit and two years of personal returns. The card program looks at personal credit and whether an entity exists.
Do I have to put up collateral?
No. Both programs are unsecured — no assets pledged, no equipment liens. That is exactly why the personal credit requirement is as firm as it is.
Can I use both?
If you meet both sets of requirements, yes, and stacking a term loan with 0% cards is often the better structure. The order they are submitted in matters, so we would sequence it on the call.
Is Onward the lender?
No. Onward packages and places files with third-party lenders. They set the rates, they underwrite, and they make every approval decision.
Two minutes.
No documents, no inquiry, no obligation. You'll know which programs match before anyone touches your credit.
This page is not an application for credit and does not result in a credit inquiry. Results shown are based only on the information you enter and are not a decision, a pre-approval, or a commitment to lend. Rates, terms and funding timelines shown reflect program parameters offered by participating third-party lenders and are not an offer of credit. Onward is not a lender.