Apply now

From first question to funded.

See if you qualify in under a minute, get approved and get the money in your account, with a real person handling the details while you run your business.

See my options Check eligibility
Illustration: requests for a commercial kitchen, dental equipment and a CNC machine are each matched to the lenders that fit, and offers come back to compare.

Three steps to funded.

You run the business. We handle the rest.

  1. 1

    See if you qualify

    A few quick questions about your business, then a short application. Any device, no documents to start and no credit check to see where you stand.

    You
    Tell us what you need and roughly what it costs.
    PHB
    Tell you straight away if your business qualifies.
  2. 2

    Get approved

    We take your application to lenders that finance businesses like yours. Every approval comes back in plain language: amount, term and payment.

    You
    Pick the approval that works for you, or walk away.
    PHB
    Do the legwork with the lenders and explain every term.
  3. 3

    Get funded

    Sign, and we clear the paperwork and keep you updated until the money is in your account. Then we're here for whatever comes next.

    You
    Sign with your chosen lender.
    PHB
    Handle the conditions and the follow-up through to funding.

Why businesses choose PHB.

Financing that works around your business, not the other way round.

  • Fast answers

    Know where you stand in under a minute, not after weeks of back-and-forth.

  • No credit check to start

    See if you qualify without touching your credit score.

  • $10K to $500K

    For equipment, cash flow, expansion and whatever comes next.

  • A real person

    One advisor who knows your file, from first question to funded.

Illustration: an excavator digging beside a roll-off truck.

The PHB difference.

On your ownWith PHB
Knowing if you qualifyApply and wait to hearUnder a minute, no credit check
Finding the moneyCall around and hopeWe bring it to you
Understanding the termsFine print in different formatsPlain language, every term explained
Getting to fundedChase it yourselfWe handle the follow-up
Next time you need capitalStart from scratchYour file is ready when you are

FAQ

How long does the application take?

About ten minutes. Having recent business bank statements handy speeds things up.

Do I have to accept an offer?

No. There's no obligation at any point, and nothing is signed until you accept an offer with a lender.

Who sees my application?

Only the lenders whose programs fit your business, and only with your consent.

Will applying affect my credit score?

Checking your eligibility doesn't involve a credit check. A lender may check your credit when it reviews your full application, and we'll tell you before that happens.

Your growth, funded.

See if you qualify in under a minute. No documents, no credit check.

See my options
Illustration: two people meeting on a video call, with a meeting booked.

Financing subject to lender approval.

PHB is not a lender. Financing is provided by third-party lenders, who make all credit decisions. Rates, terms and approval depend on your business and the lender.