Frequently Asked Questions

Arkadian Capital is a direct business lender offering a full suite of financing options including SBA loans, business term loans, lines of credit, bad credit business loans, equipment financing, and merchant cash advances. We're NMLS licensed (#2575829) and serve businesses across all 50 states.

Yes. We are a direct lender, which means we make decisions and fund loans ourselves. You work with us directly — not a broker who sends your application to multiple lenders.

We serve businesses in all 50 states. Our application process is 100% online, so geography is no barrier.

Our online application takes approximately 5-10 minutes to complete. We ask for basic information about your business, ownership, and funding needs. No lengthy paperwork required at the initial stage.

Most applicants receive an initial decision within 1 hour during business hours. For standard term loans and credit lines, formal approval typically comes within 24 hours. SBA loans may take longer due to government processing times.

Once approved and after completing any required documentation, funds are typically deposited into your business bank account within 24–72 hours. Merchant cash advances and short-term loans can be funded within 24 hours. SBA loans take longer.

For most products you will need: 3 months of business bank statements, a government-issued ID, and basic business information (EIN, time in business, revenue). SBA loans require additional documentation including tax returns and financial statements.

We have products available for credit scores as low as 500. However, your credit score is just one factor. We heavily consider your monthly revenue, time in business, and industry. Some of our revenue-based products have no minimum credit score requirement.

Possibly, yes. If your bankruptcy has been discharged and your business is currently generating revenue, you may qualify for certain products. Contact a specialist to discuss your specific situation and timeline.

No. Our initial qualification review uses a soft credit pull only, which does not affect your credit score. A hard inquiry is only requested after you choose to accept a specific offer and move forward with funding.

Many of our clients have been denied by traditional banks. Banks use rigid credit-based models; we use a more holistic approach, evaluating actual business performance. Being denied by a bank does not mean you won't be approved by Arkadian Capital.

We offer SBA loans (7a, 504, Microloan), business term loans, business lines of credit, bad credit business loans, merchant cash advances, equipment financing, business debt consolidation, short-term business funding, and business auto loans.

A business line of credit is a revolving credit facility that lets you draw funds up to an approved limit whenever you need them. You only pay interest on the amount you draw, and as you repay, your available credit replenishes.

A merchant cash advance (MCA) is an advance against your future card sales. You receive a lump sum and repay it as a small percentage of your daily credit/debit card transactions. It's fast and ideal for businesses with consistent card revenue.

SBA loans are government-backed loans issued through private lenders like Arkadian Capital. Because they are partially guaranteed by the U.S. Small Business Administration, they typically offer lower rates and longer terms than conventional loans.

SBA loans can be used for working capital, equipment purchases, commercial real estate, business acquisition, refinancing existing debt, and more. The 7(a) program is the most flexible and widely used.

SBA loan processing typically takes 30–90 days from application to funding. This is longer than conventional loans because additional government review is required. However, the significantly lower interest rates and longer terms often make the wait worthwhile.