Smart Business Financing Programs
Transparent Pricing, No Surprises.
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- Rates 14% to 36%
- 600+ Credit Score
- Flexible Payment Terms
- Max Funding $100,000
- Funds in 5-10 Business Days
- $200,000+ in Annual Rev.
- In Business for 1+ Years
- Collateral Optional
- No Bankruptcies/Liens
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- Rates 9% – 34.9%
- 500+ Credit Score
- 3 to 12 Month Terms
- Max Loan $250,000
- Funds in 3 – 7 Business Days
- Min. $200,000 Annual Rev.
- In Business for 1+ Year
- Collateral Not Required
- No Bankruptcies/Liens
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- Rates 6% – 38%
- 500+ Credit Score
- 15 to 36 Month Terms
- Max Loan $500,000
- Funds in 3-5 Business Days
- Min. $100,000 in Annal Rev.
- In Business for 1+ Year
- Collateral Optional
- No Bankruptcies/Liens
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- Rates 20% – 45%
- No Credit Score Minimum
- 2 to 12 Month Terms
- Max Loan of $1,000,000
- Funds in 1-2 Business Days
- Min. $50,000 in Annual Rev.
- In Business for 3+ Months
- Requires No Collateral
- Bankruptcies/Liens OK
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A Wise Agent will take the time to understand your needs before pairing you with a lender that complements your financial goals. If we think your local bank is the right place for you, that’s where we will send you. Wise Borro wants you to get the best deal even if that means going else-where to get it.
Business lines of credit.
Gain access to flexible working capital. Draw the cash you need directly into your business checking account at any time instantly. Only pay interest on what you draw. Pay back your balance early at anytime. The perfect program for business owners who need quick access to short-term capital multiple times per-year.
Wise Points:
- Cost of Loan between 14% – 36%
- Instant Access to Working Capital
- Builds Your Credit Score
- Early Payback Friendly
- Minimum 1 Year in Business
- Tax Returns Required
- Weekly Payments
- 4 to 5 Day Approval Time
- Only Pay Interest on Draw
- Great for Cash Flow Gaps
Long-term business loans.
A long-term business loan (15 to 36 months) is best for financing projects with a longer-term return on investment, such as expansions or opening new business locations. While being difficult to be approved for, this is a great option for most business owners.
Wise Points:
- Cost of Loan between 6% – 38%
- 4 to 8 Days to Access Capital
- Builds Your Credit Score
- Interest is Tax Deductible
- Minimum 1 Year in Business
- Tax Returns Required
- Weekly or Daily Payments
- Fairly Quick Approval Time
- Great for Long-Term Investments
Short-term business loans.
A short-term business loan is best for financing projects with immediate return on investment. This infusion of cash is designed to help the small business owner take advantage of a business opportunity.
Wise Points:
- Cost of Loan between 9% – 34.9%
- 3 to 7 Days to Access Capital
- Builds Your Credit Score
- Interest is Tax Deductible
- Minimum 1 Year in Business
- Tax Returns Required
- Weekly or Daily Payments
- Quick Approval Time
- Great for Growth Opportunities
Gain easy access to working capital. Get funded directly into your business checking account in 48 hours or less. This is your expensive but, quick loan. It’s also easy to get approved. Great for business owners without tax returns and only 3 months bank statements are required.
Wise Points:
- Cost of Loan between 20% – 45%
- Fast Access to Working Capital
- No Credit Score Minimums
- Required No Collateral
- Minimum of 3 Months in Business
- No Tax Returns Required
- Mostly Daily Payments
- 1 to 2 Day Approval Time
- Bankruptcies & Liens OK
- Easy to Get Approved
Misinformed business owners can get burned in the sales process and end up with surprise fees and rates. By presenting pricing information upfront, borrowers have peace of mind. Wise Borro’s partner lenders are committed to truth and transparency in every aspect of how they treat you as their customer. It’s the smart way to get a loan.
Serving over 750+ business industries.
Wise Borro’s partners with lenders who understand the particulars of your business needs.

Restaurants
Financing an Expansion

Automotive Shops
Advertising Campaign

Retail Shops
Purchase Inventory

Dentists
Upgrade Equipment

Construction
Hire Additional Employees
Save $16,500 on your business loan.
Wise Borro’s consultative approach saves you money to your business loan.
Get Started now.

Learn Your Needs
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You’re in Good Company
Wise Borro partners with like-minded lenders who put small business owners first.
Convenient and trustworthy business funding solution, I genuinely enjoy the relationship I've built with WiseBorro.
Emily Rheinhart | Dental
I can’t explain how much WiseBorro has helped me through slow season. These guys really believed in me & now I'm back on track.
Stephanie Copenhagen | Daycare Operation
My business needed renovations and I couldn't afford to wait months for an approval from the bank. I was lucky to find WiseBorro just in time.
Carlos Lopez | Construction
Ive taken out small business loans in the past. What I enjoy most about WiseBorro is the extra time they take out to really understand my business.
Larry Giminez | Software Development Firm
The bank made me feel like I was a small fish, too small to pay attention to. WiseBorro made me feel important and they were genuinely excited about my business.
Jill Tremont | Jewelry Manufacture & Design
What an experience... WiseBorro made getting a business loan so incredibly easy and simple. I’ll definitely be coming back when I start my next project.
Chuck Pinto | Product Inventor
My bank is just getting harder and harder to deal with. Wiseborro had a quick and easy process and I received my funding in less than 3 business days.
Charles Yazim | Grocery Stores
My experience with WiseBorro has been fantastic. I was skeptical, but I have to say, the initial loan was a breeze, & came just when we needed it.
James Young | Baked Goods
Busy season was arriving, we didn't have enough funds to stock up on inventory. Thanks to WiseBorro we got funded and didn't miss out on a great opportunity.
Denise Wallace | Medical Products
Searching for the best rate is hard. WiseBorro searched the market through their network of wholesale lenders and got me the best rate and terms available.
Will Bennet | Rugs R Us
I got turned down by my Bank, so I called WiseBorro. I needed operating capital to expand. Applying was easy, plus we got more capital than we needed.
Tracey Smittens | Local Bike Shop
WiseBorro took the time to understand my needs & crafted the perfect solution for me. I got approved in minutes & received funds in my account the same day.
Donald Blockhed | Mandela Foods
Are You Ready to Grow Your Business?