Business loans that match your ambition, fit your budget, and meet your schedule.
We handle the loan. You handle the business.
How much are you looking to secure?
Two years in business and real revenue. No credit impact. No fees to you, funded or not.
What we help you get
Every product below is explained in plain English in our Learning Center, including who it actually fits and what it really costs.
SBA 7(a) loans
The flagship government-backed loan for almost any business purpose, with the longest terms and lowest rates most owners can get.
Typically $50K to $5M Learn more →SBA Express
A faster SBA decision for smaller amounts when timing matters more than squeezing out the last point of rate.
Typically up to $500K Learn more →Working capital
Short-term money for payroll, inventory, and gaps in cash flow, priced honestly so you know the true cost before you sign.
Typically $25K to $500K Learn more →Equipment financing
The equipment itself secures the loan, which keeps approval easier and preserves your working capital for everything else.
Typically $25K to $1M Learn more →Business acquisition
Buying a business or buying out a partner, usually through SBA 7(a), with the deal structured so the numbers actually close.
Typically $150K to $5M Learn more →Commercial real estate
Buy the building instead of renting it, with long amortizations that often cost less monthly than your current lease.
Typically $250K to $5M+ Learn more →How it works
Answer a few questions
Kai walks you through about four minutes of plain questions. Soft check only, so your credit is untouched.
Get your prequalification result
You see what you realistically qualify for, what it should cost, and what would improve your file. No vague maybes.
Finish with your advisor
A real advisor takes your file from prequalification to funding and tells you the truth at every step.
Advice from inside the industry, on your side of the table
Most funding sites are paid to place you in whatever earns the most commission. Qualifai was built by people who have spent years inside SBA and small business lending, and the guidance you get carries no commission bias. You hear what banks actually approve, what they quietly decline, and where your file honestly stands.
That means straight answers before you apply anywhere. If an SBA loan fits, we show you the path. If it does not fit yet, we tell you what to fix and how long it takes, because sending you into a decline helps nobody.
From the Learning Center
SBA Hazard Insurance Requirements: What Lenders Actually Want
Required on nearly every SBA loan, and you probably already carry it. How to satisfy it in one day.
Read →Revenue-Based Financing Explained
What it costs, who it fits, and how it compares to the alternatives before you sign anything.
Read →Why SBA Loans Get Advertised Everywhere but Rarely Funded
The economics behind the bait and switch, from someone who has watched it happen from the inside.
Read →