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Practical Financing for Established Small Businesses

At Shrew Funding, small business loans are built to support real operating needs — not theoretical growth. These loans provide a structured way to access capital for cash flow management, expansion, equipment, or operational stability, with repayment terms designed to fit how businesses actually operate.

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What Are Small Business Loans?

Small business loans are structured funding solutions that provide businesses with a fixed amount of capital, repaid over time under clear, predefined terms. Unlike revolving credit, these loans are ideal for planned investments and defined business needs where predictability matters.
Businesses commonly use small business loans to:
  • Strengthen cash flow during growth phases
  • Invest in equipment or inventory
  • Expand operations or workforce
  • Cover operating expenses with structured repayment
  • Execute time-sensitive opportunities
Nothing moves forward without full visibility into how the funding works.

Shrew Funding at a Glance

These numbers reflect long-term partnerships with businesses that rely on consistent, well-structured capital.

$500M+

Capital deployed nationwide

300+

Businesses funded

150+

Industries supported

Why Businesses Choose Small Business Loans

Built for Predictability

Loans provide clear repayment schedules, making them easier to plan around than fluctuating credit balances.

Flexible Use of Capital

Funds can be applied across multiple business needs — not restricted to a single expense category.

Structured Growth Support

Ideal for expansion, equipment investment, and operational improvements where timing and budgeting matter.

Advisor-Guided Decisions

Our U.S.-based advisors help determine whether a loan is the right tool — and how to structure it responsibly.

A Clear Path To Getting Funded

Apply

Submit a short funding inquiry with basic business and financial details.

Review

A dedicated loan advisor evaluates your business profile and discusses available loan structures.

Select

Choose the loan option that aligns with your cash flow, goals, and repayment preferences.

Deploy

Once approved, capital is delivered so you can put it to work immediately.
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Common Ways Businesses Use Loan Capital

  • Bridging gaps between receivables and expenses
  • Purchasing inventory or upgrading equipment
  • Hiring staff or expanding operations
  • Supporting marketing and customer acquisition
  • Managing seasonal fluctuations
  • Consolidating higher-cost obligations
Loans are most effective when paired with a clear plan — our advisors help ensure capital is deployed strategically.

Basic Eligibility Guidelines

Most businesses that qualify have:

1+ year in business

Demonstrates consistency and operational experience.

Business checking account

Dedicated to company finances.

$100K+ annual revenue

Shows financial stability.

625+ personal FICO® score

Other factors are considered.
Even if your business does not meet every guideline, alternative performance indicators may qualify you.

How Small Business Loans Fit Within Shrew Funding

Small business loans are part of a broader funding ecosystem that includes:
  • Line of Credit
  • Accounts Receivable Financing
  • Working Capital Loans
  • Asset-Based Lending
  • Equipment Financing
  • Credit Enhancement Support

Your advisor will help determine whether a loan or another solution best fits your situation.

Small Business Loan FAQs

What types of businesses qualify for small business loans?
Shrew Funding helps small businesses access capital by matching them with funding solutions that align with their cash flow, industry, and growth stage. We focus on structure and sustainability, not one-size-fits-all approvals.
Our services are designed for established small businesses seeking working capital, expansion funding, or financial flexibility without navigating the process alone.
No. Many businesses start with a range or a goal. Our advisors help assess capital needs based on revenue patterns, expenses, and business objectives.
No. Reviewing options does not require you to move forward. You remain in control of whether and when you accept funding.
No. Reviewing options does not require you to move forward. You remain in control of whether and when you accept funding.
No. Reviewing options does not require you to move forward. You remain in control of whether and when you accept funding.
No. Reviewing options does not require you to move forward. You remain in control of whether and when you accept funding.

Speak With a Loan Advisor

Small business funding decisions should be informed and clear. Our U.S.-based loan advisors are available to walk through your options and help you choose the right structure for your business.
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