FUNDING SOLUTION
Business Loans Built for Growth
Predictable terms, fast approvals, and flexible amounts from $10,000 to $500,000. Get the capital your business needs to invest, expand, and move forward, without the runaround.
Soft credit pull, won't affect your score. No obligation.
Loan Amounts
$10,000 – $500,000
Terms
3 – 24 months
Approval Speed
4 – 8 hours
Repayment
Fixed daily or weekly
OVERVIEW
What Is a Business Loan?
A business loan provides your company with a lump sum of capital that you repay over a fixed period with predictable payments. Unlike a line of credit, you receive the full amount upfront, making it ideal for planned investments, major purchases, or strategic growth initiatives.
At Monera Capital, our business loans are designed for speed and simplicity. We've stripped out the bureaucracy that makes traditional bank lending painful, so you can go from application to funding in 24 to 48 hours. From $10,000 to $500,000, we'll match you with terms that fit your business.
Before you sign, it helps to see the full pricing picture. Our guide to how business funding costs work breaks down interest, fees, and APR so you can weigh one offer against another. Rates have not moved the way many owners hoped this year, and our article on what the Fed's rate hold means for small business funding covers where that leaves a decision you are weighing now.
How It Works
Apply Online
Complete our simple application in minutes. We'll ask about your business, revenue, and how much funding you need.
Review & Approval
Our team reviews your application and matches you with the best loan terms. Most decisions are made within 4 to 8 hours.
Get Funded
Once approved, funds are deposited directly into your business bank account, often within one to two business days.
Why Choose a Business Loan from Monera Capital
Predictable Payments
Know exactly what you owe every week or month. No variable rates, no surprises. Budget with confidence.
Fast Funding
Most applications are approved within 4 to 8 hours, with funds deposited in one to two business days.
Flexible Amounts
Borrow between $10,000 and $500,000 based on your business revenue and needs. No minimum too small.
Simple Requirements
No tax returns required for most loans. Just 6+ months in business, $10K+ monthly revenue, and recent bank statements.
What Business Owners Use Loans For
Expansion & Growth
Open new locations, enter new markets, or scale operations.
Inventory & Supplies
Stock up for peak seasons or lock in bulk pricing from suppliers.
Equipment Purchases
Buy or upgrade machinery, vehicles, technology, or tools.
Hiring & Payroll
Bring on new team members or bridge payroll during growth periods.
Marketing & Advertising
Invest in campaigns that drive revenue and customer acquisition.
Cash Flow Management
Smooth out gaps between receivables and payables.
Eligibility Requirements
Our business loans are available to a wide range of businesses. We focus on your business performance, not just your credit score.
- 6+ months in business
- $10,000+ in monthly revenue
- Active U.S. business bank account
- Valid government-issued ID
- Last 3–6 months of bank statements
Don't meet every requirement? Reach out anyway, we have solutions for businesses at every stage.
Every document you need, in one checklist
A free printable checklist of the documents most applications ask for, with the application form included, so you can gather everything before you apply.
Get the free checklist
Tell us where to send it. No obligation.
Explore Other Funding Options
A business loan might not be the perfect fit for every situation. Explore these related products.
Industries We Commonly Fund
See What You Qualify For
It takes less than 30 seconds. Soft credit pull, won't affect your score.
Business Loan FAQs
How much can I borrow with a business loan?
Business loans range from $10,000 to $500,000, based on your business revenue and how much funding you need.
How fast can I get approved and funded?
Most decisions are made within 4 to 8 hours. Once approved, funds are deposited directly into your business bank account, often within one to two business days.
What are the repayment terms?
Terms range from 3 to 24 months with fixed daily or weekly payments, so you always know exactly what you owe, no variable rates or surprises.
How much is the monthly payment for a $100,000 business loan?
It depends on your rate and term, so there is no single number. As a baseline, $100,000 spread over 12 months works out to about $8,333 a month in principal alone, before the cost of capital. Our business loans use fixed daily or weekly payments over terms of 3 to 24 months, and your offer spells out the exact payment before you accept, with no variable rates or surprises.
What do I need to qualify?
Most businesses qualify with at least 6 months in business, $10,000 or more in monthly revenue, an active U.S. business bank account, a valid government-issued ID, and the last 3 to 6 months of bank statements. No tax returns are required for most loans.
What can I use a business loan for?
Common uses include expansion and growth, inventory and supplies, equipment purchases, hiring and payroll, marketing, and managing cash flow.