Funding for your business, without the runaround.
Beam connects you to the right lender for what you're building. Working capital, equipment, lines of credit and term loans, from $3,000 to $1.5 million. Most decisions in 24 to 48 hours.
Apply in 5 minutesNo upfront fees. No effect on your credit to apply.
What we fund
Working capital
$3,000 to $600,000Payroll, inventory, a slow month or a fast opportunity. The most accessible option for newer businesses.
Lines of credit
$10,000 to $250,000Draw what you need, when you need it, and keep the line open.
Equipment financing
$10,000 to $500,000Vehicles, machinery, medical and salon equipment.
Term loans and SBA
$10,000 to $1.5 millionLonger terms and lower rates for businesses with two or more years and steady revenue.
Why owners choose Beam
One person, start to finish
The same person reads your file, talks to lenders and calls you back. No call center, no handoffs.
The right lender, not the nearest one
We match your file to lenders built for your industry, revenue and timeline, then walk you through the real cost of each offer.
Straight answers
If you qualify, you'll know fast. If you don't, you'll know why and what to fix.
What lenders look for
Every lender sets its own bar. These are the floors across our network, so you know where you stand before you apply.
6 months in business
Some products open up at two years, but working capital starts here.
About $7,500 a month in revenue
Deposited to a business bank account. Higher revenue opens more lenders and better terms.
A credit score of 500 or higher
Your bank statements matter more than your score for most working capital products.
3 to 6 months of business bank statements
Consistent deposits and few overdrafts help more than anything else on your file.
Your first approval is the start, not the ceiling.
Pay as agreed and your options widen: larger amounts, better terms, faster approvals. We keep your file and your lender relationships current, so the next time your business needs capital, it's a call, not a restart.
Ready when you are.
Answer a few simple questions. A real person and member of our team will reach out to you within one business day.
Apply in 5 minutes