Most small businesses in Minneapolis do not fail for lack of customers. They stall because the money needed to grow – a second van, three months of inventory, the deposit on a second storefront – arrives too late, or arrives tied to a building the owner does not own.
This is lending built the other way around: approval based on the trade you already do, repaid as a flat monthly fee, with no asset pledged against it.
Who this is for
Owner-operated businesses in Minnesota with steady takings and a specific thing to spend the money on. Repair shops, salons, restaurants, contractors, grocers, trucking – the businesses a neighborhood actually runs on.
We look at your takings over the last few months, how long you have been trading, and what the money is for. Talk to a lender before you fill in anything; a ten-minute call will tell you whether this is worth your time.
How it works
Talk to an expert. A short call about the business and what the money is for. No credit pull, no paperwork at this stage.
Look at the details together. Discuss your trading history, the amount you need, and how the money would support your next step.
Decide what works for your business. Review the offer, repayment schedule, and total cost before making a commitment.
Know what comes next
Make room for the monthly payment.
Before you decide, ask for a clear breakdown of the amount borrowed, the monthly fee, the repayment schedule, and the total you will repay. Your lender can walk through the details with you.
Talk through your optionsA few useful answers
Before you get started
What do I need to apply?
Start with your contact details, a little about your business, and what you want the money to do. A lender can explain which trading records and supporting documents are needed before you make an application.
How is the monthly fee set?
Ask your lender how the amount, repayment period, and your business circumstances affect the offer. Review the full repayment schedule and total cost before agreeing to any terms.
Do you lend to a business under a year old?
Tell the lender how long you have been trading and what your business brings in. They can explain the relevant eligibility requirements and whether an application is worth your time.
How long until the money lands?
Timing depends on the review, the information required, and the terms of an offer. Tell your lender when you need the funds and ask for the expected timeline before making plans.