Free for business owners · Funders compete

Make funders fight for your business.

LoanRival puts one funding request in front of multiple funders in our network — so offers compete and you pick the winner. Funding up to $5,000,000, with decisions in as little as 24–48 hours for qualified businesses.

Get Competing Offers — Free See how it works

Free means free: business owners never pay LoanRival. We're compensated by funders in our network when a deal closes. Funding amounts, speed, and terms depend on qualification and vary by funder.

One request →

Funders reviewing your filemultiple

Funding range$10K – $5M

Decision speedas fast as 24–48h

Cost to you$0

Obligation to acceptnone

Illustrative summary. Offers, amounts, and timing are set by each funder, subject to qualification and documentation. No approval, amount, rate, or timeline is guaranteed.

Endorsement · Shark Tank See what Kevin O’Leary from Shark Tank has to say about LoanRival

Kevin O’Leary is a paid spokesperson. Funding is subject to qualification; no approval, amount, rate, or timeline is guaranteed.

How it works

Three steps. One winner — you.

Step 1

Tell us about your business

One short request — no cost, no obligation, and checking your options starts with a soft review that doesn't affect your personal credit.

Step 2

Funders compete

We shop your file across our funder network. Instead of you chasing lenders one by one, they put their offers on the table.

Step 3

You pick — or walk

Compare amounts, costs, and terms side by side with a specialist who explains the fine print. Take the best fit, or take none. Qualified businesses can be funded in as little as 24–48 hours after approval and final documentation.

$0Cost to business owners

$5MFunding up to

24–48hDecisions as fast as

6+ moTime in business, typically

Plain English on those numbers: maximums and speeds describe what's possible for well-qualified businesses, not a promise to yours. Typical minimums to have real options: about 6 months in business and roughly $10,000 in monthly revenue. Every offer's amount, cost, and timing is set by the funder making it.

Funding types

What funders in our network offer

Revenue-based funding

An advance repaid from a share of future revenue — flexible with seasonal swings, and the most common fast option.

Term funding

A fixed amount with scheduled payments over a set period, for planned investments like equipment, buildouts, or expansion.

Lines of credit

Draw what you need, when you need it — a cushion for cash-flow gaps and opportunities that won't wait.

Not sure which fits?

That's the point of competition: submit once, see what different structures actually cost side by side, and decide with a specialist on the phone.

Why LoanRival

Competition beats hoping one lender is fair

Free means free

Business owners never pay us — no application fees, no broker fees billed to you. Funders in our network compensate LoanRival when a deal closes, which is exactly why we can shop your file hard.

Offers you can compare

Amounts, total payback, and terms laid out side by side — with a human who answers questions in plain English before you sign anything.

Speed without pressure

Fast when you need fast — as little as 24–48 hours for qualified files — and zero obligation at every step. Walking away is always on the menu.

One file, guarded

You submit documents once, to us. We share your information with funders in our network to price your deal — as described in our Privacy Policy — and we don't sell it to data brokers.

Straight answers

Frequently asked questions

Is LoanRival really free?

For business owners, yes — you never pay LoanRival an application, broker, or advisory fee. We're compensated by the funders in our network when a deal closes. Each offer you receive states its own costs, so you always see what the funding itself costs before accepting.

How much can my business get?

Funders in our network fund from about $10,000 up to $5,000,000. Where your business lands depends on revenue, time in business, industry, and the documentation you provide — the top of the range is for strongly qualified files, not a promise to every applicant.

How fast is "fast"?

Qualified businesses with complete documentation can see decisions — and in many cases funding — in as little as 24–48 hours. Incomplete paperwork is the number-one cause of delay, so have 3–4 months of business bank statements ready.

Will checking my options hurt my credit?

Starting a request involves a soft review that doesn't affect your personal credit score. If you move forward with a specific offer, that funder may run a hard inquiry at final underwriting — you'll know before that happens.

What do I need to qualify?

Typically at least 6 months in business and around $10,000 in monthly revenue for real options. Below that, we'll tell you straight rather than waste your time.

Is LoanRival a lender?

LoanRival is a funding marketplace operated by RJ Cohen Ventures LLC. Certain transactions may be funded directly and others are arranged through third-party funders in our network — either way, every offer identifies who's making it and on what terms.

Am I obligated to accept an offer?

Never. Submitting a request costs nothing and commits you to nothing. Plenty of owners use LoanRival just to see what their business qualifies for.

Will I get texts or calls?

Only what you choose. The form has two separate optional checkboxes — one for marketing texts, one for calls. Both are optional, neither is required to get offers, and you can revoke either at any time. If you skip both, we'll contact you by email.

Get started — free

Merchant pre-qualification

Four short steps. No cost, no obligation, and a soft review that doesn’t affect your personal credit. At the end you’ll sign and download your completed application.

1 Business
2 Operations
3 Owner
4 Sign

Step 1 of 4 — Business information

Business legal name

Business DBA name

Type of business entity

Business Tax ID / EIN

9 digits. Used only to prepare your application document.

Industry type

State of incorporation

Ownership percentage

Amount requested

Use of proceeds

Step 2 of 4 — Business operations & address

Merchant email address

Business website

Business physical street address

City

State

Zip code

Physical location phone

Billing street address (if different)

Billing city

Billing state

Business location is

Monthly rent / mortgage payment

Gross annual sales (last tax return)

Business start date (current ownership)

Accept credit card processing?

Name of credit card processor

Open MCA or loan accounts?

Current estimated balance (if any)

Step 3 of 4 — Owner / officer

Your SSN stays private. It’s used only to build your signed application PDF on this device and is not transmitted through this website’s form. You’ll send the completed PDF to LoanRival through the secure method we provide.

Owner first name

Owner last name

Social Security Number

Stays on your device — not sent through this form.

Date of birth

Primary contact number

Owner home street address

City

State

Zip code

Is your business seasonal?

Any open bankruptcies?

Any judgments / liens?

Add a second owner, landlord, or trade references (optional)

Second owner name

Second owner ownership %

Second owner date of birth

Second owner SSN

Also stays on your device — not sent through this form.

Second owner home address

Landlord name

Landlord contact #

Trade reference 1 (name & phone)

Trade reference 2 (name & phone)

Trade reference 3 (name & phone)

Step 4 of 4 — Documents, authorization & signature

Business bank statements (last 4 months)

PDF or image, up to 8 files, 40 MB each. Uploading now speeds up your review — or your specialist can send you a secure link afterward.

Drag & drop your statements here, or browse files

Your statements are sent over an encrypted connection and attached to your application for LoanRival’s review team only — never posted publicly.

AUTHORIZATIONS. By signing below, each of the above-listed business and business owner/officer (individually and collectively, “you”) authorize LoanRival, a brand operated by RJ Cohen Ventures LLC (“LR”), and each of its representatives, successors, assigns, and designees (“Recipients”) that may be involved with or acquire commercial financing having daily repayment features or purchases of future receivables including Merchant Cash Advance transactions, including without limitation the application therefor (collectively, “Transactions”), to obtain consumer or personal, business, and investigative reports and other information about you, including credit card processor statements and bank statements, from one or more consumer reporting agencies such as TransUnion, Experian, and Equifax, and from other credit bureaus, banks, creditors, and other third parties. You also authorize LR to transmit this application, along with any of the foregoing information obtained in connection with it, to any or all of the Recipients for the foregoing purposes. You also consent to the release, by any creditor or financial institution, of any information relating to any of you, to LR and to each of the Recipients, on its own behalf.

CONSENT TO ELECTRONIC DISCLOSURES. You expressly consent to transactions and disclosures with Recipients online and electronically. Disclosures may be provided to you on screen, on a Recipient’s website, or via electronic mail to the email address you provided.

Signature

Draw your signature with a mouse or finger, or type it below.

Owner / officer name (print)

Date

When you submit, your completed application PDF — including your signature — is generated and downloaded to your device. A funding specialist is notified so they can follow up; your SSN is not sent through this website. Submitting creates no obligation and guarantees no offer, amount, rate, or timeline.

Make funders fight for your business.

One request →

Kevin O’Leary on LoanRival

Three steps. One winner — you.

Tell us about your business

Funders compete

You pick — or walk

LoanRival at a glance

What funders in our network offer

Revenue-based funding

Term funding

Lines of credit

Not sure which fits?

Competition beats hoping one lender is fair

Free means free

Offers you can compare

Speed without pressure

One file, guarded

Frequently asked questions

Merchant pre-qualification

Please fix the following

Business bank statements (last 4 months)