One simple application. Fast, flexible funding backed by one of the most trusted names in the business.
Choose from our comprehensive range of funding options designed to meet your business
needs. Click ‘Learn More’ for transparent breakdowns—no surprises.
Get Funded in 3 Easy Steps with Our Streamlined Application Process
Get started in minutes with our simple, one-page application. Just upload your last three bank statements or email them to info@blacktiefunding.com — no hassle, no headaches.
As soon as you apply, a dedicated funding advisor will reach out to guide you through your personalized options. We'll find the perfect financing solution tailored to your business goals.
Choose your custom offer and get approved quickly. We move fast to deliver funds straight to your business bank account — so you can seize opportunities without delay.
Join thousands of businesses that trust Black Tie Funding for fast,
reliable financing.
At Black Tie Funding, we stand apart by prioritizing complete
transparency and unwavering honesty in every interaction.
We lay out all the details upfront—from rates and terms to potential fees and the full process—so there are no surprises or hidden costs that catch you off guard. Unlike other lenders who might gloss over the realities to make offers seem too good to be true, we believe an educated consumer is our best customer, empowering you with clear explanations of what’s involved in securing funding. This straightforward approach has earned us a sterling reputation, granting access to exclusive lenders that others can’t reach because they trust us to deliver with integrity. Simply put, honesty isn’t just our policy—it’s the foundation of our success and yours.
Are you a small business owner looking to take your company to the next level? We understand that securing funding is a crucial step in achieving your goals. While it’s tempting to borrow as much as possible, it’s essential to consider what payment plan is manageable for your business and how the funds will be used. Every business is unique, and that’s why we offer flexible payment options to suit your cash flow. Whether you receive small inflows of cash frequently or larger payments less frequently, we have a payment plan that works for you. Need a short-term loan to cover immediate expenses or funding for a longer-term project? We’ve got you covered. Understanding your business’s payment capabilities is vital in choosing the right loan for your needs.
What are the Payments for Small Business Funding? The amount of each payment depends on your funding amount and the rate you receive. With various payment options available, your payments can be tailored to fit your preferred frequency.
How Often Do You Make Payments? At our company, we offer a wide range of small business loans, each with different payment options. Whether it’s daily, weekly, or monthly payments, we’ve got a solution that suits your business’s unique needs.
Daily Payments: Funds withdrawn daily, Monday through Friday excluding holidays, until settled.
Weekly Payments: One payment per week until settled.
Monthly Payments: One payment per month until settled.
Please note: Merchant cash advances have a slightly different payment structure, with a percentage taken out of your sales as they are processed.
What is a Factor Rate? Factor rates might seem a bit elusive at first glance, presented in decimal form rather than the more familiar percentage. However, to streamline the process, we’ve tailored our calculator to work with percentages. For instance, a factor rate of 1.17 translates to a 17% cost on your borrowed amount, while a factor rate of 1.45 equates to 45%.
Consider this scenario: If you secure a loan of $5,000 with a factor rate of 1.125, you’re looking at a repayment sum of $6,250. This total is fixed, irrespective of how swiftly you choose to repay the loan—even if you opt for an early settlement. It’s essential to note the stark difference between factor rate and APR. Factor rates are determined up front utilizing the original borrowed amount whereas APR is continuously calculated on the outstanding debt.
Calculating the Cost of Your Small Business Funding: As a business owner, you possess the keenest insight into your company’s financial landscape. Determining the affordability of a deal requires a thorough analysis of your business’s operational margins. Whether you’re gearing up for a promotional drive to boost sales or strategizing to reduce debt financing costs, it’s imperative to project the revenue that the additional capital will generate.
When planning the repayment of a small business loan, it’s critical to account for all the additional fees in your calculations. It’s worth noting that each lender operates differently, with their own unique set of fees that may differ significantly from others in the market. Although Black Tie Funding typically does not charge many of the fees that are common among other lenders, being aware of these potential costs is essential for accurate financial planning.
Origination Fee: Encompasses administrative costs, application verification, and other expenses related to approving your application and transferring funds. Typically 1% to 5%, or a flat fee.
Application Fee: Covers credit checks and administrative tasks. Some lenders waive it upon funding; many don’t charge it.
Late Payment Fee: Applied for missed payments; automatic payment options may incur fees for insufficient funds.
Pre-Payment Fee: Non-existent in alternative financing; some lenders offer early payoff discounts.
Your credit score is a key factor in obtaining small business funding. While it may not be the sole determinant—since we facilitate loans for clients with FICO scores as low as 500—it significantly influences rates and terms. A lower score suggests higher risk, affecting costs. We recommend reviewing our guide to repairing credit or understanding credit history for more information.
Documentation depends on loan type and business health. Bad credit loans require minimal paperwork; prime loans need more. Common: Bank Statements (3-4 months, up to 12 for larger loans), Business Licenses, Proof of Ownership, Lease Agreement, General Identification. For loans above $150,000: Personal/Business Tax Returns, Balance Sheet, Profit and Loss Statement, Business Debt Schedule.
Banks: Lower rates (6%-23% APR), longer terms (12-60 months), strict requirements (700+ FICO, 2 years in business), 1-6 month process. Black Tie: Higher rates (1.09-1.59 factor rate, ~22%-100%+ APR), flexible terms (3-36 months), lenient requirements (500+ FICO, 3 months in business), 1-2 day process.
• Choose the appropriate loan.
• Assess repayment schedules (daily, weekly, monthly).
• Examine processing time, fees, total repayment.
• Review and enhance credit score if needed.
• Compile paperwork.
• Submit application.
• Expand your enterprise.
“Black Tie Funding transformed our business. When we needed quick capital to secure a major contract, they delivered $85,000 in just 24 hours. Their transparency was refreshing – no hidden fees, no surprises. Our dedicated advisor, Sarah, walked us through every step and found the perfect payment plan for our cash flow. We’ve grown 40% since working with them.”
Rodriguez Construction LLC
At Black Tie Funding, we’re more than just a funding provider—we’re your dedicated partner in growth. We believe in empowering small businesses like yours with the tools, capital, and support needed to thrive in today’s competitive economy. From custom financing to essential business services, we’re committed to being by your side every step of the way, so you can focus on what matters most: building a successful future.
Streamlined one-page application, no paperwork, approvals/funding often within hours via advanced tech.
Variety of financing options and business services (credit repair, SEO, payroll) tailored to goals/cash flow.
Dedicated advisor from application to payoff, stress-free guidance/insights.
Transparent options, no hidden fees/fine print.
Master broker honesty secures exclusive lender access.
Join thousands trusting Black Tie Funding for fast, flexible, reliable financing
—backed by real people who care. Let’s unlock your business’s full potential.
Imagine turning your network into a steady income stream—effortlessly. As a Black Tie Partner, you’ll earn generous commissions by connecting businesses to our elite funding options and essential services, including small business loans, merchant cash advances, credit repair, SEO, payroll, and beyond. If you’re an accountant, banker, marketing expert, entrepreneur, consultant, or content creator, this is your chance to add real value for your contacts while building passive revenue that grows with every referral.
Competitive payouts, no caps.
Free to join, no costs/obligations.
Resources, marketing materials, custom landing page.
Unique funding sources/tools competitors can’t match.
Short, easy application in minutes.
“Black Tie Funding has transformed how I support my clients. The exclusive lender access and custom landing pages make referrals seamless, and the commissions add up fast!”
Sarah M.
Accountant
“As a consultant, I love the passive income from Black Tie’s program. Their marketing materials are top-notch, and I’ve already helped several businesses grow while earning steadily.”
Mike R.
Business Consultant
Elena K.
Marketing Expert
What is Black Tie Funding?
Black Tie Funding is a premier business funding broker that connects small businesses with a wide network of lenders to secure the best financing solutions. We offer 14 different funding options and 9 essential business services to help businesses grow and succeed.
How is Black Tie Funding different from other lenders?
We prioritize complete transparency, offer exclusive access to premium lenders, provide dedicated advisors, and have no hidden fees. Our master broker status and honest approach gives us access to funding sources others can’t reach.
What types of businesses do you work with?
We work with businesses of all sizes and industries, from startups to established companies. Whether you’re in retail, construction, healthcare, technology, or any other sector, we have funding solutions tailored to your needs.
What funding amounts are available?
Our funding options range from $5,000 to $5 million, depending on the product. Small business loans range from $5,000-$500,000, while commercial real estate funding can go up to $5 million.
What are the different types of funding you offer?
We offer 14 funding options including Small Business Loans, Business Lines of Credit, SBA Loans, Equipment Financing, Merchant Cash Advances, Commercial Real Estate Funding, and more. Each option is designed for different business needs and situations.
Which funding option is right for my business?
The best funding option depends on your business needs, cash flow, credit score, and how you plan to use the funds. Our dedicated advisors will analyze your situation and recommend the most suitable options during your consultation.
How long does the application process take?
Our streamlined one-page application takes just minutes to complete. Most approvals happen within 24-48 hours, and funding can be delivered as quickly as the same day for certain products.
What is the fastest funding option?
Merchant Cash Advances can provide same-day funding, while Accounts Receivable Financing typically funds within 24 hours. The speed depends on your business type and documentation completeness.
When will I hear back after applying?
A dedicated funding advisor will contact you within hours of submitting your application to discuss your options and guide you through the next steps.
What documents do I need to apply?
Basic requirements include your last 3 bank statements, business license, and ID. For larger loans ($150,000+), additional documents like tax returns, profit & loss statements, and balance sheets may be required.
What are the minimum requirements for funding?
Requirements vary by product, but generally include: 3+ months in business, minimum credit score of 500, and consistent revenue. Some products have more flexible requirements than others.
Can I get funding with bad credit?
Yes! We work with businesses with credit scores as low as 500. While credit affects rates and terms, we have funding options specifically designed for businesses with credit challenges.
What are your interest rates?
Rates vary by product and risk factors. Traditional term loans may have APRs from 6-23%, while alternative financing options typically use factor rates from 1.09-1.59 (equivalent to roughly 22-100%+ APR).
Are there any hidden fees?
Absolutely not. We believe in complete transparency and disclose all costs upfront. Unlike many lenders, Black Tie Funding typically doesn’t charge many of the fees common in the industry.
Can I pay off my loan early?
Yes, and we encourage it! Most of our products allow early payoff without penalties. Some even offer early payoff discounts to help you save money.
What business services do you offer beyond funding?
We offer 9 essential business services including Credit Card Processing, Credit Repair, Bookkeeping, HR & Payroll, SEO, Digital Advertising, Web Development, Accounting, and Employee Benefit Systems.
Can I use multiple services together?
Absolutely! Many clients benefit from combining our funding with our business services. For example, pairing a business loan with credit repair or SEO services to maximize growth potential.
Do you offer ongoing support after funding?
Yes, your dedicated advisor remains available throughout your loan term to provide guidance, answer questions, and help with additional needs as your business grows.
How does the partner program work?
Our partner program allows professionals like accountants, consultants, and advisors to earn commissions by referring businesses to our funding and services. It’s free to join with no obligations or upfront costs.
What support do partners receive?
Partners receive marketing materials, custom landing pages, dedicated support, training resources, and access to our exclusive lender network that competitors can’t match.
How much can I earn as a partner?
Partner commissions are competitive with no caps on earnings. The more quality referrals you provide, the more you can earn. Many partners generate significant passive income through our program.
Is my information secure?
Yes, we use bank-level security measures to protect all client information. Our applications are secure and private, and we never share your data without permission.
Are you accredited with the Better Business Bureau?
Yes, we maintain high standards with the BBB and other trust organizations. Our commitment to transparency and honest dealing has earned us an excellent reputation in the industry.
What happens if I'm not satisfied?
Client satisfaction is our top priority. If you’re not completely satisfied with our service, we’ll work with you to make it right. Our success depends on yours.
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Compare equipment financing options with traditional business loans to make the best choice for your equipment needs.
Streamline your payment processing with our secure, reliable credit card solutions. Accept all major credit cards, contactless payments, and digital wallets.
Increase sales by accepting all payment types, reduce cash handling, and get paid faster with next-day deposits.
Qualify for better rates, increase funding limits, and build stronger relationships with lenders and suppliers.
Professional bookkeeping services to keep your financial records organized and compliant, giving you more time to focus on growing your business.
Save time, ensure accuracy, stay tax-compliant, and make informed financial decisions with clear, organized records.
Gain financial clarity, optimize cash flow, minimize tax liability, and make data-driven decisions for sustainable growth.
Reduce administrative burden, ensure compliance, attract better talent, and minimize HR-related risks and costs.
Strategic search engine optimization services to improve your online visibility, drive qualified traffic, and generate more leads from search engines.
Data-driven digital advertising campaigns across Google, Facebook, and other platforms to reach your ideal customers and drive conversions.
Reach your target audience, increase brand awareness, drive qualified leads, and maximize your advertising ROI.
Comprehensive employee benefit packages and administration to help you attract top talent and keep your team happy and productive.
Attract and retain top talent, improve employee satisfaction, reduce turnover costs, and enhance your company’s competitive position.
