How to Apply for a Small Business Loan

Before applying, define exactly how much you need and what you'll use it for. Consider whether you need a lump sum (term loan), flexible access (line of credit), or revenue-based funding tied to sales (revenue based funding).

💡 Not sure which type? Our free consultation helps you compare all options.

Most applications require basic business info and financial documents. Prepare 3 months of business bank statements, your EIN, and owner information. SBA loans require tax returns and projections.

💡 ORP Group's application tells you exactly what's needed for your situation.

ORP Group's application takes under 60 seconds and uses a soft credit pull — your credit score stays fully protected. Your single application is shared with every lender that fits your profile.

💡 Apply after hours — applications process 24/7.

Within 24–48 hours, you'll receive funding offers matched to your profile. Your dedicated specialist walks you through each option — rates, terms, fees, and total cost.

💡 Compare total cost, not just interest rate — factor in fees and repayment terms.

Once you accept an offer, funds are deposited directly into your business bank account. Lines of credit and factoring in 24–48 hours, term loans in 3–7 days, SBA loans in 30–90 days.

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