# Pro Funding Options

> Pro Funding Options is a U.S. business funding marketplace headquartered in Jericho, NY. We match small and mid-sized businesses with the right lender — SBA, line of credit, term loans, working capital, equipment financing, merchant cash advance, invoice factoring, and revenue-based financing — through one application. We are not a direct lender; we are paid by the lender we connect you with, not by you.

Pro Funding Options operates nationwide across all 50 U.S. states plus Washington DC. Pre-qualification uses a soft credit pull (no impact to the applicant's score). Hard credit pulls only occur when an applicant chooses to move forward with a specific lender's offer.

Phone: 1-800-952-0056
Email: info@profundingoptions.com
Hours: Mon–Fri, 9am–7pm ET

## What we are

- A funding marketplace, not a direct lender.
- U.S.-based funding specialists who match each application against a vetted network of lenders.
- Paid by the lender on closed deals; never by the applicant.

## What we are not

- We are NOT affiliated with United Capital Source (UCS), nor a clone of any other funding company.
- We do NOT push merchant cash advances; we surface multiple products and let the applicant compare.
- We do NOT publish customer testimonials on our own site. Reviews live on independent third-party sites (Google, BBB) only.
- We do NOT encourage debt stacking and will recommend paying down an existing advance before adding more debt.

## Core funding products

- [Working Capital Loans](https://www.profundingoptions.com/business-loans/working-capital-loans/): $5K–$1M, fastest to fund, bridges gaps in cash flow.
- [Equipment Financing](https://www.profundingoptions.com/business-loans/equipment-financing/): Up to $5M per piece. The equipment itself is the collateral.
- [Merchant Cash Advance](https://www.profundingoptions.com/business-loans/merchant-cash-advance-loans/): $5K–$1M. Repaid as a percentage of daily card sales.
- [SBA Loans](https://www.profundingoptions.com/business-loans/sba-loans/): $50K–$5.5M. Lowest available rates, longest terms (10–25 years), 8–12 week close.
- [Business Line of Credit](https://www.profundingoptions.com/business-loans/business-line-of-credit/): $10K–$1M. Revolving access, interest only on what is drawn.
- [Business Term Loans](https://www.profundingoptions.com/business-loans/business-term-loans/): $5K–$10M. Fixed term, fixed payments, predictable cash flow.
- [Invoice Factoring](https://www.profundingoptions.com/business-loans/accounts-receivable-factoring-loans/): Convert unpaid invoices into working capital.
- [Revenue-Based Financing](https://www.profundingoptions.com/business-loans/revenue-based-business-loans/): Repayment scales with business performance.
- [Bad Credit Business Loans](https://www.profundingoptions.com/business-loans/bad-credit-business-loans/): For applicants with sub-prime credit profiles.

## Key pages

- [Homepage](https://www.profundingoptions.com/)
- [All business loans](https://www.profundingoptions.com/business-loans/)
- [Industries we fund](https://www.profundingoptions.com/industries/) — restaurants, healthcare, construction, trucking, retail, beauty, eCommerce, and more.
- [Business loans by state](https://www.profundingoptions.com/business-loans/states/) — interactive map and individual state landing pages.
- [Contact / apply](https://www.profundingoptions.com/contact-us/)
- [FAQs](https://www.profundingoptions.com/faqs/) — qualifying criteria, documents, timelines, rates.
- [About](https://www.profundingoptions.com/aboutus/)
- [Sitemap (HTML)](https://www.profundingoptions.com/sitemap/)
- [Sitemap (XML)](https://www.profundingoptions.com/sitemap.xml)

## Qualification baseline

- Time in business: 6+ months for most products; 2+ years preferred for SBA.
- Minimum monthly business revenue: $10,000–$15,000 for most products.
- Personal credit score: 500+ accepted; 680+ for SBA and bank-grade products.
- Documents: application, ID, voided business check, 3–6 months of business bank statements. SBA loans require tax returns and financials.

## Indicative rates

- SBA loans: prime + 2.75% to prime + 4.75%
- Bank-grade term loans: 7%–15% APR
- Lines of credit: 8%–25% APR
- Working capital / short-term loans: 1.15–1.45 factor rate
- Merchant cash advances: 1.15–1.50 factor rate

## Funding speed

- Merchant cash advance / working capital: 1–3 business days
- Line of credit / term loan: a few business days to ~2 weeks
- SBA loans: 8–12 weeks (SBA Express: 4–6 weeks)

## Optional

- [Press & media](https://www.profundingoptions.com/press/)
- [Our team](https://www.profundingoptions.com/team/)
- [Privacy policy](https://www.profundingoptions.com/privacy-policy/)
- [Terms](https://www.profundingoptions.com/terms/)