Personal Loans for Business: Fixed-Payment Capital Based on Your Credit
Get a lump sum with a fixed rate and payment, based on your personal credit and usually funded within days of approval.
See What You Qualify For A few quick questions (no credit pull), then book a free 15-minute callAt a Glance
- Typical amounts
- $30K–$200K+ across a full funding plan.
- Credit needed
- 700+ on all three bureaus gets the strongest results
- Time to fund
- As fast as 3–7 days if your profile is approval-ready. 30–90 days if it needs prep first.
- Repayment
- Fixed rate and fixed monthly payment, commonly over a few years
- Our fee
- A percentage of the funding we help you secure. No upfront fee.
Every lender sets its own criteria. Amounts depend on your credit, income, and existing debt and are not guaranteed.
Estimate your payment →Who It Fits
- 700+ credit score
- No late payments, collections, or charge-offs
- 5+ accounts on your credit report
- Verifiable income (W-2 or self-employed) that supports new fixed payments
- No business entity or revenue needed
Who Personal Loans Make Sense For
Personal loans are often the backbone of our clients' funding, especially for franchise buyers and startups.
- You need a lump sum for a one-time cost like a franchise fee, equipment, or build-out
- You don't have a business entity yet, or your business is too new for bank loans
- You want a predictable monthly payment instead of a revolving balance
- You have strong credit and verifiable income
How Using Personal Loans for Business Works
A personal loan is underwritten on you: your credit score, credit history, income, and debt-to-income ratio. Terms commonly run a few years, with a fixed rate and payment. Amounts vary by lender, and many people qualify with more than one.
Personal Loan Options We Compare
These are the main types of lenders and products we look at for business-purpose personal borrowing.
What It Takes to Qualify
Lenders weigh credit and income heavily for personal loans. Our strongest results come from clients with:
- A 700+ credit score
- No late payments, collections, or charge-offs
- At least 5 accounts on your credit report
- Verifiable income and a manageable debt-to-income ratio
- Few recent inquiries
Self-employed? Lenders will usually look at your tax returns, and write-offs can lower your qualifying income. We'll factor that in when we pick lenders.
Our Process
Answer a few questions
Self-reported, so there's no credit pull.
Strategy call
A free 15-minute call to see what you're likely to qualify for and whether personal loans are the right tool.
Lender plan
We pick lenders that allow your intended use and fit your profile, and set the order to apply.
Apply and get funded
We walk with you through each application. Funding often lands within days of approval.
Results With Personal Loans
Results disclaimer: Results shown are real client outcomes, but they are not typical for everyone and are not guaranteed. What you can get approved for depends on your credit profile, income, existing debt, and each lender's own underwriting. Fully Funded is a consulting service, not a lender, and does not make credit decisions.
Personal Loans for Business: Common Questions
Can I get more than one personal loan?
Yes. Many people qualify with more than one lender.
Will a personal loan show on my credit report?
Yes. It reports as an installment loan in your name.
How fast do personal loans fund?
Many online lenders fund within a few business days of approval. Credit unions can take a bit longer.
How do you get paid?
Our fee is a percentage of the funding we help you secure. There's no upfront fee, and we walk through the exact terms on the call before you commit to anything.
Will checking my options hurt my credit?
No. The pre-qualify questions are self-reported, so there's no credit pull to see your options.
Explore Other Funding Options
See What Personal Loans You May Qualify For
Answer a few quick questions, then book a free call.
Get Funded A few quick questions, then book your call