Working capital, lines of credit, equipment financing and SBA loans for small business owners. Tell us where you're headed and we'll match you with funding partners that fit.
Every business sails different waters. We help you find the product that fits your cash flow, timeline and goals.
Fast, flexible capital based on your revenue, including merchant cash advance options for payroll, inventory or opportunities.
Draw what you need, when you need it, and pay only on what you use. A safety net for seasonal swings.
Trucks, machinery, kitchen gear, medical devices. The equipment often serves as its own collateral.
Government-backed loans with longer terms and competitive rates for established businesses ready to grow.
Three simple steps from first click to funded.
Share a few basics in our short form: how much you need, revenue and time in business.
We match you with funding partners and walk you through offers in plain English. No pressure.
Pick the option that fits, finalize with the funder, and get capital in as little as 24–48 hours.*
The lending world is a big, choppy ocean. We're the crew that helps you navigate it.
I've spent my life reading the water. Funding isn't much different: timing, patience and knowing which wave to take.
I've spent more than 18 years in the lending and lead generation space, working with lenders, funders and the businesses they serve. I've seen good owners get lost in the noise, paddling hard and getting nowhere.
I started Sea of Loans to change that: a straightforward place where business owners can find the right capital without the runaround. Let's get you out past the break.
No. Reviewing your options uses a soft inquiry or none at all. A funder may run a full credit check only if you choose to move forward with an offer.
Some products, such as working capital, can fund in as little as 24–48 hours after approval. SBA loans typically take longer.
Usually basic business info and recent bank statements. Specific requirements vary by product and funding partner.
No. Sea of Loans is not a direct lender. We connect businesses with funding partners who make the final credit decisions.
Not necessarily. Many options weigh revenue, cash flow or property income alongside credit. Approval is never guaranteed.