The Smarter Alternative
Business Funding for the Discerning Entrepreneur
Premium capital for established businesses — lines of credit, business loans and working capital. Funded in as little as 24 hours,* with an advisor who structures it around your goals.
- No hard credit pull to apply
- Five-minute application, decisions often the same day
- Direct funding source
Join an exclusive circle of elite businesses.
The Programs
One application. The structure that actually fits.
Your advisor recommends the program that matches what the capital is for and how your business operates — including telling you when something is not the right fit.
Business Line of Credit
Gives your business access to a revolving funding facility that can be used to cover recurring business expenses. Draw as needed up to your approved limit and only pay for the capital you use.
Best For
- Inventory ahead of a busy season
- Bridging customers who pay on 30, 60 or 90 days
- Payroll through a slow month
- Taking on a contract larger than your cash on hand
- Amount
- $10K – $500K
- Term
- Revolving 12, 18 or 24 months
- Payments
- Weekly or Monthly
- Speed
- As little as 24 hours*
Business Loan
A lump sum of capital repaid on a fixed schedule you agree before you sign. Built for the moment you know exactly what you are funding — a renovation with a contractor’s bid, a bulk inventory buy, a project with a clear price tag — so you can commit immediately and negotiate like a cash buyer.
Best For
- A second location or a build-out
- One large, defined project
- Buying out a partner
- Expanding into a new market
- Amount
- $10K – $1M
- Term
- 4 – 36 months
- Payments
- Weekly or Monthly
- Speed
- As little as 24 hours*
Working Capital
Upfront capital for a specific operating need — payroll, inventory, materials, or the gap between an expense landing and the revenue for it arriving. Sized to what your revenue and cash flow genuinely support rather than to the maximum available, and built to renew as the business grows.
Best For
- Payroll between receivable cycles
- Materials to start a job you have already won
- Inventory for a specific order
- Covering a seasonal dip
- Amount
- $5K – $2M
- Term
- 6 – 24 months
- Payments
- Weekly or Monthly
- Speed
- As little as 24 hours*
Equipment Financing
Finance the equipment your business runs on, with the equipment itself serving as collateral. You choose the asset and the seller, Coast pays the vendor directly, and you repay in fixed monthly payments matched to the working life of the machine — when the final payment clears, it is fully yours.
Best For
- Replacing equipment at the end of its life
- Adding capacity for a new contract
- Medical, dental and imaging equipment
- Trucks, trailers and heavy machinery
- Amount
- $10K – $5M
- Term
- 2 – 5 years
- Payments
- Fixed Monthly
- Speed
- Approvals in 24 – 48 hours
SBA Loan
Government-backed financing for the projects that reshape a company — commercial real estate, buying a business, a major expansion. The guarantee lets lenders offer traditional market rates and the longest terms available, with an SBA specialist guiding a document-heavy process from application to close.
Best For
- Buying the property you operate from
- Acquiring another business
- A long-term investment you can plan around
- Long terms that keep the monthly payment low
- Amount
- $50K – $10M
- Term
- Up to 25 years
- Payments
- Fixed Monthly
- Speed
- 14 – 90 days to fund
Swell by Coast Funding
Coast’s fully online funding program, where approval is based on the revenue of your business rather than your personal credit. Draw from $5,000 to $100,000, choose a 4, 6 or 8 month term, and pay only for the time the funds are outstanding — application to funding, all self-serve.
Best For
- A short-term gap you want closed today
- A smaller amount, handled entirely online
- An opportunity that will not wait
- Building a track record with Coast
- Amount
- $5K – $100K
- Term
- 4, 6 or 8 months
- Payments
- Weekly
- Speed
- As little as 15 minutes
| Program | Amount | Term | Payments | Speed | Best For |
|---|---|---|---|---|---|
| Business Line of Credit | $10K – $500K | Revolving 12, 18 or 24 months | Weekly or Monthly | As little as 24 hours* | Ongoing access to capital you draw as needed |
| Business Loan | $10K – $1M | 4 – 36 months | Weekly or Monthly | As little as 24 hours* | A defined, one-time investment with a set payback |
| Working Capital | $5K – $2M | 6 – 24 months | Weekly or Monthly | As little as 24 hours* | Bridging a cash-flow gap or funding a near-term need |
| Equipment Financing | $10K – $5M | 2 – 5 years | Fixed Monthly | Approvals in 24 – 48 hours | Acquiring equipment, using the equipment as collateral |
| SBA Loan | $50K – $10M | Up to 25 years | Fixed Monthly | 14 – 90 days to fund | A major long-term investment at traditional market rates |
| Swell by Coast Funding | $5K – $100K | 4, 6 or 8 months | Weekly | As little as 15 minutes | Smaller amounts, fastest turnaround, fully online |
Amounts and terms shown are program maximums and vary by qualification. Subject to underwriting approval; additional restrictions may apply.
What Our Clients Say
Trusted by business owners just like you.
What Are the Requirements for Business Funding?
These are the floors most approved clients sit above — not ceilings.
Where Coast fits best
An established business with a growth constraint
- You have options, and you want the right structure rather than the highest number
- The capital has a job — inventory, payroll, a project, a second location
- You value relationship, and would rather not start with a blank application next time
Where it may not be
Your advisor will tell you early
- Businesses in their first year, or pre-revenue
- Personal or consumer borrowing — Coast funds businesses only
- Shopping on price alone, without regard to structure or fit
Close but not sure you clear every bar? Apply anyway — an advisor reviews the whole business, including signed contracts and pipeline, and gives you a straight answer either way.
How It Works
Apply in about five minutes
A short application and roughly four months of business bank statements. Checking your options is a soft credit pull only — it does not affect your personal credit score.
Talk to a Business Funding Advisor
A dedicated advisor, not a call center, reviews your goals and cash flow and recommends the structure that fits — including telling you when the answer is a smaller number.
See the terms before you commit
The amount, the term, the payment, all before you sign anything. Your advisor will walk you through each step ensuring you are comfortable and making a sound business decision.
Funds in as little as 24 hours
Once contracts are signed, funds are deposited directly to your business bank account.* This is where the relationship begins, not ends.
The Coast Difference
Responsible. Renewable. Relationship. The Coast Way.
Most of our industry sells rescue — the option you take when the bank has said no. Coast is built for the opposite situation: a business that is working, with a growth constraint.
Responsibility
Advisors are trained to structure funding responsibly rather than to maximize a “transaction.” If a number is too high for your cash flow, we will guide you on the best path forward.
Relationship
At Coast, relationships with clients matter. We take the time to understand your business, your use case, and your vision. You aren’t another number, and that’s how great relationships are forged.
Renewable
Your history sits with Coast, so the next round does not start from a blank application — and the funding scales with the record you have built.
Frequently Asked Questions
What do I need to qualify for business funding?
Most approved clients have at least one year in business, $100,000 or more in annual revenue, a FICO score of 600 or higher, and an active U.S. business bank account. A business line of credit typically looks for $200,000+ in annual revenue. These are the floors most approvals sit above, not absolute cut-offs — an advisor reviews the whole business, including signed contracts and pipeline.
Will applying affect my credit score?
No. Applying starts with a soft credit pull, which has no impact on your personal credit score. Most Coast programs never involve a hard credit pull at all. It applies only to certain traditional products — larger equipment deals and SBA loans — and even then only after an approval you have chosen to move forward with, with notice before it happens.
How fast can I actually get funded?
Decisions often come back the same day, and funding can arrive in as little as 24 hours after approval. If your closing documents are completed by 11 AM PT Monday through Friday, funds can arrive the same business day; approvals completed later are processed the following business day.*
Which program is right for my business?
It depends on what the capital is for and how you want to repay it. Recurring needs suit a business line of credit, where you draw as needed and pay only on what you use. A single defined project suits a business loan. A short-term bridge suits working capital. One application covers all of them, so you are not required to choose up front.
What does business funding from Coast cost?
It depends on the program and on your qualifications. Line of credit pricing starts at 2.99% per month* and you pay only on the amount you have drawn. Other programs are quoted as a monthly rate or a total repayment amount rather than an interest rate. Whichever structure you choose, your advisor presents the full amount funded and the full amount repaid before you sign, and none of the programs carry a prepayment penalty.
Is Coast Funding a direct lender?
Coast funds several programs directly from its own balance sheet and arranges others through a select network of funding partners. Either way the relationship stays with Coast: a dedicated Business Funding Advisor structures your funding before closing, and a Client Relationship Manager supports you afterwards. No third-party servicer, no call-center handoff.
How much business funding can I get?
Programs run from $5,000 to $10,000,000 depending on which structure fits. What you qualify for is driven by revenue, cash flow and time in business rather than by the maximum on any one program.
What can I use the funding for?
Almost any legitimate business purpose — payroll, inventory, equipment, marketing, build-outs, bridging slow-paying customers, or taking on a larger contract. Coast does not restrict funds to a single category. Certain industries are ineligible, and an advisor will tell you promptly if yours is one of them.
See what your business qualifies for
Apply in about five minutes, or talk it through with a dedicated Business Funding Advisor. No hard credit pull to apply.
*Rates vary based on business qualifications. Subject to underwriting approval, terms and conditions apply. Monthly rates are not an annual percentage rate (APR).
*Closing documents must be completed by 11 AM PT Monday through Friday to receive funds the same business day. Weekend approvals will be processed the following business day.
Certain programs may be made available or arranged pursuant to California Financing Law License No. 60DBO-146720.