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SBA Loans

Low-cost SBA working capital loans help you run day-to-day operations and invest in the future.

Strengthen and scale your business with FMS Advance.

Why take out a working capital loan with FMS Advance?

It’s tough to beat the low cost rates and long repayment terms of a working capital SBA loan. However, the traditional process of applying directly at a bank can be quite cumbersome and often results in a 'no'. FMS Adavnce changes that. We make it easy for you to apply for a working capital SBA loan online and our marketplace helps get you to a 'yes' because FMS Advance matches your business with the lender most likely to fund your loan. You can use the funds in a variety of ways:

  • Purchase equipment 

  • Increase inventory 

  • Add marketing programs 

  • Operating expenses 

  • Hire additional staff 

  • Refinance high-interest debt, saving you hundreds or even thousands per month


Pre-qualify Without Impacting your Credit

Pre-qualify in as little as 5 minutes without impacting your credit score! Simply provide basic information online and we’ll automatically tell you if you pre-qualify for a working capital SBA loan from $30,000 to $350,000.

Provide Financial Information

Tell us how you plan to use your funds and provide financial information about your business and its owners. Your FMS Advance Relationship Manager is here to assist you at any point in the process.

Get Funded

Upload requested documents to complete your application. We’ll review your financials to confirm your business has the cash flow to afford the monthly loan payments. Funds can then be in your bank account in as fast as 7 days after your application is complete.




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Why FMS.png

Our ACH funding is tailored for businesses that derive little revenue from credit card sales. Businesses access working capital centered on their cash flow.


Like a Credit Card Cash Advance, this is the purchase of future receivables. In this case, the future deposits of the business. Funding is based on the aggregate cash flow through the businesses operating accounts. Repayment is made by automated electronic debits (ACH) over specified terms. This allows businesses to use future cash flow in the future to obtain the working capital they need to grow now.


With a line of credit, you can access funds whenever you need them up to your available credit limit. Access as little or as much of your credit line as you need, and continue to use it as you repay. Apply today to find out how much your business qualifies for!

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