Streamline Your Alternative Funding Needs!
Unlock financial freedom with Confluence tailored financial solutions—smarter, safer funding to navigate your future effortlessly.
Direct Lending Built for Brick-and-Mortar Businesses
At Confluence, we partner with direct lender that specializes in direct lending solutions designed specifically for brick-and-mortar businesses—restaurants, pet stores, retail shops, and local service providers that keep communities running every day.
Our funding is built around real-world business needs, offering fast approvals, flexible terms, and industry-specific options that give owners more control over their cash flow.
Funding Solutions Simplified
Get pre-qualified in minutes with No Negative Impact to your credit.
Know Your FICO® Credit Score Before You Apply.
Your FICO® Score plays a key role in qualifying for a business loan.
Lenders review your credit profile to determine approval, terms, and rates.
Monitor your score, strengthen your profile, and improve your chances of funding.
Start Repairing Your Credit Today
Review and identify inaccurate or negative items affecting your credit profile
Lenders review your credit profile to determine approval, terms, and rates.
Monitor your score, strengthen your profile, and improve your chances of funding.
Explore Our Financial Tools & Expert Services
Explore tailored financial solutions that propel you towards financial freedom.
Equipment Financing
Get funding to acquire equipment for your business to keep on growing.
Working Capital
Quick and simple cash available for any business purpose.
Term Loans & SBA Loans
A specialist will tailor a business loan to fit your needs. Our SBA loans have some of the lowest rates available with an SBA 7a, 504, or express loan.
Business Line of Credit
Access capital for your business when you need it and only pay interest on the funds you use.
Invoice Factoring
Get paid upfront for your 30, 60, or 90 day old invoices.
Commercial Real Estate Financing and Investing
Get funding for your next real estate project. Fix and Flip Funding, Single Family/Multi Family and more.
FAQs
Your Queries Answered: Navigating Financial Success with Confluence
I have bad credit and even a previous bankruptcy. Can you get me funding?
This is one of our most frequently asked questions and the answer is YES! If you have poor personal credit, or even have filed previously for bankruptcy, we can still provide you with working capital. The qualifications are 1) you have been in business for at least 3 months and 2) your business generates sales in excess of $4,000 per month. In over 90% of cases, if you meet these two requirements, we can provide you with funding!
What can I use the funding for?
It is your money for your business, so you can use it however you see fit. Many of our clients use funding to cover payroll, renovate, manage inventory, expand, purchase equipment, and a variety of miscellaneous business expenses. You are the expert in maintaining and growing your company, and we are the experts in getting you the money you need to do so. It’s a win-win situation
What is the minimum requirements for funding?
Minimum of three months in business.
Minimum of $5,000 in monthly revenues.
Your business is based in the United States.
How do I get started with Confluence?
Hit the 'apply now' button and fill out all the info you can, so we can get started.
Are you the one funding me?
No, we are the middle man in between you and success!
What is your application process?
The application process is straightforward and should take approximately five minutes. You can submit an application through our website to guide you through the process. Once we receive your full application and supporting documents, you will receive an offer within 24 hours.