No credit check to start Funded in 7–10 days

You built something real.
Let's keep it moving.

Money shouldn't be the thing that slows your business down. From $50,000 to $5 million — move the slider and see what's possible.

$2.8B+
funded to US businesses
48K+
businesses funded
★★★★★
4.9 · 2,800+ reviews
How much does your business need?
$150,000
Move the slider to explore your range
$50K $500K $1M $5M
No credit check  ·  No commitment  ·  60 seconds
Funded in 7–10 daysApplication to money in hand
100% unsecuredNo collateral, ever
A+ BBB RatedAccredited business
All 50 statesAny industry, any stage
Real results

People like you,
funded without the drama.

Three real businesses. Three real outcomes. No asterisks.

Home services
$185,000
Working capital · 18 months
"Three contracts lined up, no cash for materials. Loanvio had money in our account before the week was out. Couldn't have been easier."
MR
Marcus R.
HVAC contractor · Texas
8 days
to funded
Med spa
$92,500
Revenue advance · 12 months
"New laser equipment before summer. Application took four minutes. I've worked with banks for twenty years — this was nothing like that."
DK
Dr. Dana K.
Aesthetic clinic · Florida
7 days
funded
Restaurant
$47,000
Line of credit · revolving
"Payroll was short. Applied at 9am, funded before lunch. The process felt like it was designed by someone who actually runs a business."
TW
Tony W.
Restaurant group · Chicago
9 days
to funded
4.9/5
★★★★★
2,847 verified reviews · Trustpilot
★★★★★
"Finally felt like a financial service that was on my side. Plain language, no pressure. Funded in 48 hours."
James P. · 2 days ago
★★★★★
"My advisor walked me through every option without rushing me. I chose what made sense, not what they pushed."
Sofia M. · 5 days ago
★★★★★
"Checked options with zero credit impact and got a better deal than my bank offered. Should have done this months ago."
Robert C. · 1 week ago
The process

Four steps.
No runaround.

A simple application, a quick decision, money in your account in about a week.

1

Tell us about your business

A few simple questions. No paperwork, no credit pull, no commitment.

60 seconds
2

Complete the secure application

About 10 minutes. You’ll need your credit report and two years of personal tax returns — we tell you exactly what to have ready.

~10 min
3

Get your decision

Straightforward underwriting — no black box. Most applicants have an answer within days, not weeks.

7–10 days
4

Money hits your account

Cash deposited directly to your bank account — no restrictions on how you use it.

7–10 days
Do you qualify?

Probably yes.
Here's what we look for.

We work with businesses across every credit profile. Revenue consistency matters far more than a perfect score.

  • 6+ months operatingEstablished businesses with a track record — even a short one
  • $10,000+ monthly revenueConsistent income matters more than high one-off numbers
  • Credit score of 500 or aboveWe have products built for real credit profiles, not just perfect ones
  • US business bank accountWhere we'll deposit your approved funds directly

Check in
60 seconds

No paperwork to start. No credit pull. Just a few questions and you'll see exactly what's available to your business.

No credit check  ·  No commitment  ·  Free
Funding options

Two programs.
Zero collateral.

Unsecured bank and credit-union funding — straightforward criteria, fast decisions.

Most popular

Unsecured term loan

$50K – $300K

Cash deposited straight to your bank account. Fully amortized — pay it off early and you skip the remaining interest. No collateral, no restrictions on use.

  • 5 or 7 year terms, ~7–15% rates
  • No prepayment penalty, ever
  • 680+ credit, $50K+ personal income
  • Funded in 7–10 days

Business credit

Revolving

Business credit cards that report only to your business — keep debt off your personal credit while you build your company's profile. 0% for the first year.

  • 0% intro rate, first 12 months
  • Never touches personal credit
  • 700+ FICO, stated income
  • Can combine with a term loan
FAQ

Straight answers.
No jargon.

If you don't see your question, we're one call away.

Talk to a real person

Mon–Fri, 8am–7pm ET. No scripts, no wait music.

(212) 202-0131
Does checking my eligibility affect my credit score?
Not at all. Checking your options on Loanvio pulls nothing — no inquiry of any kind. And the application itself starts with no credit check: our funding partner handles the credit review in-house after you apply.
How quickly could I actually have money?
The application takes about 10 minutes. Underwriting typically runs 7–10 days, and once approved, cash is deposited directly to your bank account — no restrictions on how you use it.
My credit score isn't great. Is there still hope?
It depends on the program. The unsecured term loan needs 680+ across the board; the business credit program needs 700+. If you’re close, it’s often worth a conversation — and the business credit cards can actually help you build from here.
What documents will I actually need?
Just two years of personal tax returns. That’s it — no bank statements, no business plans, no collateral paperwork, and no credit report to pull yourself. The credit review is handled in-house after you apply.
Is Loanvio a bank or a lender?
Neither. Loanvio is a funding service operated by ADTIVO LLC. We connect you with our funding partner’s unsecured term-loan and business-credit programs — straightforward criteria, no collateral, decisions in days not weeks. For larger needs over $500K, we route you to our specialty lending partner.
Will I be penalised for paying early?
There are no prepayment penalties — none. The term loan is fully amortized, so paying off a 7-year loan in 5 years means you simply skip two years of interest. You pay less when you repay early.
Ready when you are

You built something worth funding.

48,000+ US business owners have found the capital they needed through our network — without the bank runaround. It starts with 60 seconds and one slider.

Talk to an advisor
No credit check 60 seconds 256-bit encrypted Zero commitment