Backed by $100M+ in funded SBA loans

Business loans that fit.

A loan built around your business, by an expert who knows your industry.

We want to hear your story

How much are you looking to secure?

Qualifai today

Two years in business and real revenue. No credit impact. No fees to you, funded or not.

  1. 1
    Prequalified2 minutes, soft check only
  2. 2
    UnderwritingYour expert structures the file
  3. 3
    ApprovedClear terms, explained plainly
  4. 4
    FundedFunds in your account
SBA 7(a) specialists
Soft-pull prequalification only
No cost to apply, ever
Options in as little as 24 hours

Funding for whatever your business needs

Working capital

Cover payroll, stock up on inventory, or bridge a slow month.

Equipment financing

Fund the truck, machinery, or gear your business runs on.

SBA 7(a) loans

The long-term, low-rate money to expand, renovate, or acquire.

SBA Express

Smaller SBA amounts, funded fast, with minimal paperwork.

Commercial real estate

Buy the space you operate in — up to $5M.

Business acquisition

Buy a business, or buy out a partner and take the reins.

A specialist on your file, from first question to funded.

The people behind $100M+ in funded SBA loans work your file personally — structuring financing around your business and your industry, and staying with you from the first question to the day you’re funded.

From the Learning Center

Over 50 plain-English guides on SBA and business financing — written to help you, not sell you.

5 min read

Why SBA Loans Get Advertised Everywhere but Rarely Funded

The economics behind the bait and switch, from someone who watched it from the inside.

Read → 9 min read

Do You Actually Qualify for an SBA Loan?

The real requirements lenders check, and how to know where you stand before you apply.

Read → 8 min read

SBA Hazard Insurance: What Lenders Actually Want

Required on nearly every SBA loan, and you probably already carry it. How to satisfy it in a day.

Read → 12 min read

The Honest Guide to Working Capital

What it really costs, who it fits, and how to avoid the traps before you sign.

Read → 5 min read

Revenue-Based Financing, Explained

What it costs, who it fits, and how it compares to the alternatives.

Read → 5 min read

Equipment Financing: How It Actually Works

How the gear secures the loan, keeps approval easier, and preserves your cash.

Read →

Browse all 50+ guides →

Questions owners ask us

Who is Qualifai?
A small-business financing team founded by people who have spent years inside SBA and business lending. We help you find the right financing and stay on your file from the first question to funded.
Are you a bank or a direct lender?
No. We don’t make loans or credit decisions ourselves. We match you with the right lender, structure your file to give it the best shot, and guide you the whole way through to funding.
How do you get paid?
Our lending partners pay us when a loan funds. You never pay us a fee — working with Qualifai is free to you, whether you fund or not.
Will this affect my credit?
No. Prequalification is a soft check only. Your credit score stays untouched unless you choose to move forward with a full application, and we’ll always tell you before that happens.
Where do you work?
With small business owners across the United States.
What does it cost to work with you?
Nothing. There’s no fee to prequalify and no fee to work with us, ever.

See what you qualify for today.

Qualifai today