You know your business.
We know who lends to it.
One free application puts you in front of 500+ lenders across 22 funding categories — and a real advisor tells you which options are actually worth taking. No credit pull to start.
Matched to your business profile across 22 funding categories
From question to capital in four steps.
No branch visits, no phone trees, no guessing what banks want.
Answer a few questions
Quick qualifying questions about your business — no credit pull of any kind at this step.
See your matches
Complete the free application to review the options you're matched with — soft pull only, no impact to your score.
Send your documents
Upload documents when prompted — like bank statements — and create an account to manage everything in one place.
Talk it through
An account manager reaches out to walk through your options and how you'd like to move forward — then handles the rest.
A hard credit pull only happens much later — and only if you decide to move forward with a loan.
22 funding categories. These are the ones most businesses use.
Your bank does two of them. That's why a decline from one lender says far less about your business than it feels like it does.
SBA Loans
Government-guaranteed, the lowest cost money a small business can get — if you can wait for it.
Term Loans
A lump sum on a fixed schedule. The conventional loan, from lenders with a wider view than a bank's.
Lines of Credit
Draw what you need, pay interest only on what you use. Built for uneven months.
Equipment Financing
The machine secures the loan, so approval leans on the asset as much as on you.
Revenue-Based Financing
Repaid as a share of revenue, so the payment breathes with the business.
Merchant Cash Advances
Fastest money available, and the most expensive. We'll show you everything cheaper first.
Ready to see your options?
The free application takes a few minutes — no credit pull to start, and no obligation.
You shouldn't need to be a banker to get funded like one.
"I've spent my career watching good businesses get told no — not because they didn't deserve capital, but because nobody showed them how the system actually works."
After years in sales, debt relief, and loan origination, I built Anchor & Merchant to be the advisor I kept wishing my clients had: someone on their side of the table, in plain language, with a real network behind the advice.
Every application here gets a real person who walks you through your options honestly. No call center. No pressure. And if the answer is "not yet," you'll leave with a plan instead of a rejection.
KieronFounder, Anchor & Merchant
Two ways people get here.
Same answer to both.
A lender already said no. That told you about their criteria, not about your business. Banks are one lender profile and a strict one — a great many lenders weigh monthly revenue and time in business far more heavily than a credit score.
You've never done this before. Then you're in the majority, and you don't need to arrive knowing what you want. Working out which of the twenty-two categories fits your business is our job, not yours.
Either way, nothing here touches your credit to begin with. The qualifying questions involve no pull at all, applying is a soft pull that won't affect your score, and a hard pull only happens much later — if you decide to move forward with a loan.
See My Funding OptionsWhat we'll actually tell you
The questions people actually ask.
Answered plainly, including the awkward ones.
Will applying hurt my credit?
No. The qualifying questions involve no credit pull at all. The application itself is a soft pull, which does not affect your score. A hard pull only happens much later, and only if you decide to move forward with a loan.
Can I get funded with bad credit?
Often, yes. Some lenders in the network will look at scores in the 500s, and products like revenue-based financing and invoice factoring lean far more on your revenue and your customers than on your score. Apply anyway — that is exactly what the application is for.
What does this cost me?
Nothing. There is no fee to apply and no obligation to take anything you are matched with. We are paid by the lender when a deal funds, which means we have no reason to push you toward something that does not fit.
How long does the application take?
A few minutes. Four quick questions give you an estimate before anything sensitive, and the rest is standard information any lender would ask for.
How fast can I get funded?
It varies by product and by file. Some lenders move in as fast as 24 to 72 hours where matched; SBA files take considerably longer. Anyone promising you a date before seeing your business is guessing.
Are you a lender?
No. Anchor & Merchant is a funding marketplace and advisory. Every approval, decline and underwriting decision is made by the independent lenders on their own criteria.
Find out where you stand.
It costs nothing to know.
One bank's decision isn't the whole market. See what your business may qualify for across 500+ lenders — free, no obligation, and no credit pull to start.