The process is quick and easy, taking around 10 minutes to complete. Make sure you have all the necessary information and documents on hand before starting the application process. This includes financial statements, tax returns, and other information about your business. Once your application is submitted, we will review it and let you know if you have been approved for a loan.

As a small business owner, when applying for a loan, you will need to gather certain information to complete the application process. Depending on the loan amount you are applying for, we may ask for some or all of the following documents: your business’s Tax ID, credit card statements for the previous three months, bank statements for the previous one to four months, the social security number(s) of the business owner(s), driver’s license number and state of issue, and personal tax returns or proof of income. Having these documents readily available when you begin the application process will make it easier to complete the form and increase the chances of your loan being approved.

To qualify for a loan with, your business should have the following characteristics:

1. A minimum of 1 year in business
2. $100,000 or more in annual revenue for existing businesses
3. Based in the United States

For start-up or pre-revenue businesses:

1. A personal credit score of 700 or higher
2. Verifiable personal income of $50,000 or more
3. Being a US Citizen

It’s important to note that these are basic requirements, and meeting them does not guarantee loan approval. The lender will also consider other factors such as the business’s credit history and financials, as well as the purpose of the loan when determining whether to approve or deny the loan application.

A short-term loan refers to a loan that is typically due in a shorter period of time than a traditional long-term loan. Whether a short-term loan is unsecured or secured depends on the lender and the loan product. Some short-term loan products may be unsecured, meaning they do not require collateral, while others may require some form of collateral such as property, equipment, or inventory to secure the loan. It’s significant to check with the lender and understand the terms of the loan before applying. Some short-term loans may be riskier as they may carry higher interest rates and fees, but some can help small businesses that have financial needs that can’t wait for traditional lending methods.

Trident/TALK is different from other lenders in that it is a marketplace for small business loans. Rather than being a traditional lender, we connect small business owners with the right lender and loan to meet their specific needs. This eliminates the need for business owners to struggle with finding the right lender, as we do the work for them.

One of the key benefits of working with us is the speed and ease of the process. The application process is streamlined, making it fast and simple for business owners to apply for a loan. Also, Trident/TALK makes the loan process transparent and frictionless for business owners. They don’t have to navigate the complex and confusing loan process on their own, because we guide them through the process and takes care of the details.

Trident/TALK is an excellent option for small business owners looking for a loan as it provides access to a wide range of lenders and loan products, which increases the chance of getting approved and also may provide better terms.

We work with a wide range of industries, including but not limited to: restaurants, retailers, auto repair shops, healthcare professionals, HVAC contractors, and many other service providers. We work with approximately 700 different types of businesses in all 50 states across the United States. This diversity of industries allows us to understand the unique needs of each business and match them with the right lender and loan product.

The advantage of working with us is that we have a deep understanding of the funding requirements of various industries, which helps us quickly identify the best loan options for your business. Whether you require working capital, inventory financing, equipment financing, or any other type of loan, we can help you find the right lender and loan product to meet your needs.

We do not work with sin-based businesses, such as gambling, tobacco, or the firearm industry.

The amount and terms of loans vary depending on the lender and loan product. Some lenders may offer loans as low as $5K, while others may go up to $250K. The terms of the loan also vary, with some loans having repayment terms as short as a few months, while others may have repayment terms up to 25 years.

The terms of loans offered by the different lenders may vary on the interest rate, repayment schedule, and the amount of collateral required. It is important to understand the terms of a loan before applying and to work with a lender who can offer terms that fit your business needs and capabilities.

When you apply for a loan through us, you can specify the loan amount and repayment terms that you are looking for, and we will match you with lenders who can offer loan products that meet your requirements. This flexibility and options allow business owners to find the perfect loan for their business needs.

The timeline for receiving a loan can vary depending on the lender and loan product. We strive to make the loan process as quick and efficient as possible. In general, the application process can take as little as 10 minutes and can be completed online by email.

Once the application is submitted, the lender may take a few days to review the application and make a decision. If approved, the lender may disburse the funds within a few days.

It’s important to note that the timeline for receiving a loan can also be affected by various factors such as the completeness of the application, the complexity of the loan, and the time it takes to provide any additional documentation that may be required by the lender.

We aim to provide a fast and easy loan process, so you can get the funds you need as soon as possible. If you have any questions or concerns about the timeline for receiving a loan, please feel free to reach out to us, we will be happy to help.