Nationwide small business loans and business funding for owners the banks overlook.
DreamScape Funding provides Personal Funding, Business Credit Funding, Commercial Funding and Real Estate Funding — from startup business loans and unsecured business loans to a business line of credit, working capital loans and same day business funding.
1,240+ owners funded
across 38 states — 500 to 800+ FICO
Good credit or bad credit — you still have options.
680+ FICO
Unsecured business funding with good credit, 0% APR business credit card funding and a business line of credit priced on your profile.
Under 680 FICO
Business funding based on monthly revenue, merchant cash advance, equipment and secured facilities — then a plan to refinance into bankable pricing.
See what you qualify for before you talk to anyone.
Five quick questions about your revenue, time in business and credit. No documents, no hard pull, and no obligation — we come back with the small business loans, lines of credit and revenue-based options that match your file.
- Soft check only — your credit score is never affected
- One submission instead of ten separate lender applications
- Answers for 500 to 800+ FICO, startup or established
Get pre-qualified in 60 seconds
Four funding segments, one advisor.
Personal Funding, Business Credit Funding, Commercial Funding and Real Estate Funding — every program below is one we actively place with real business loan lenders.
- Business funding using personal credit
Personal Funding
Unsecured business loans and installment business loans underwritten on your personal credit score — the fastest route for startups with no business history.
- Unsecured business loans
- Installment business loans
- Startup funding
- Debt consolidation
- Build the file, borrow on the entity
Business Credit Funding
Business credit building, net 30 accounts that report, 0% APR business credit card funding and a business line of credit that grows with clean use.
- Business line of credit
- 0% APR credit card funding
- Net 30 trade lines
- Revolving credit
- Working capital and revenue-based capital
Commercial Funding
Working capital loans, term loans, equipment financing, revenue based financing and merchant cash advances — including same day business loans.
- Working capital loans
- Term loans
- Revenue based financing
- Equipment financing
- Investor and owner-occupied property capital
Real Estate Funding
Fix-and-flip, DSCR rental loans, bridge financing, commercial mortgages and cash-out refinances for owners and investors at any credit level.
- Fix & flip loans
- DSCR rental loans
- Bridge financing
- Commercial mortgage
The programs we fund most — and how each one works.
Six ways owners get funded, from personal-credit placements to SBA readiness.
- 01
Business Funding Using Personal Credit
Learn how to get business funding with personal credit. We use your personal credit score to place unsecured business funding with good credit — often $50k–$150k with no collateral.
Read the guide - 02
Business Line of Credit for New Businesses
An unsecured business line of credit for startups, opened before you need it. We show you exactly how to get a business line of credit and grow the limit every six months.
Read the guide - 03
Business Credit Building Program
How to build business credit fast: build business credit with your EIN using net 30 accounts that report to business credit, so year two doesn't depend on your personal score.
Read the guide - 04
0% APR Business Credit Card Funding
0% APR business credit cards for startup funding, structured properly. Business credit card funding and credit card stacking for business funding with a written payoff plan.
Read the guide - 05
Alternative Business Funding
Alternative funding for small business when banks say no: revenue based financing, merchant cash advance and business funding based on monthly revenue — bad credit welcome.
Read the guide - 06
SBA & Bankable Funding Readiness
SBA loan requirements decoded. We prepare your business funding readiness for an SBA working capital loan and show you how to qualify for an SBA loan within 12 months.
Read the guide
Every kind of business financing, in one place.
- Small business loans
- Business loans
- Small business funding
- Startup business loans
- Business line of credit
- Small business line of credit
- Business financing
- Working capital loans
- Unsecured business loans
- Fast business funding
- Same day business loans
- Alternative business funding
- Online business loans
- Term loans
- Installment business loans
- Revolving credit
Three short steps from first call to capital in hand.
- 01
Book your call
A 20-minute conversation about your revenue, credit and what the money is for. No hard pull to get started.
- 02
Get your funding plan
As your business loan broker we match you to the business loan lenders whose credit box you actually fit — one submission, not ten hard pulls.
- 03
Receive funding
Close the terms and deploy. Fast business funding lands in 24–72 hours; bankable programs run one to three weeks.
Let's map your funding path — good credit or bad, no obligation.
Tell us a little about your business and we'll call you within one business day with the small business loans, lines of credit or revenue-based options you qualify for.
Request Funding