Join 10,000+ small businesses securing funding with us
Short-term working capital, used responsibly is one of the greatest financial tools a small business has available to it.
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SMS Underwriting (2 minutes!)
Choose your best path forward
Responsible financing is not one size fits all. Explore your options with Simmons.
Rapid Access to Working CapitalFor businesses with 12 months of business history, doing $10,000+ per month in monthly revenue. Approvals are typically 70% of your 90 day monthly average.ApplyHyper GrowthFor hyper-growth businesses with 12 months of operational history and generating $100,000+ in monthly revenue, offering non-dilutive financing solutions to fuel further expansion.ApplyWorkforce support incentiveNot financing. Not a loan. Work with our in-house team at SCP–Refunds to claim up to $26,000 per W2 employee your business retained during the pandemic. 3 Days to an Approval.ApplyTerm Loan (Most Popular)Use for investments in your business, such as expansion projects or large purchases. Get a one-time lump sum of cash upfront, with the option to apply for more when you’re halfway paid down. $20k-$1mm. Repayment terms up to 24 Months.ApplyCustom SolutionsSchedule A Call
Rapid Access to Working Capital
For businesses with 12 months of business history, doing $10,000+ per month in monthly revenue. Approvals are typically 70% of your 90 day monthly average.
Hyper Growth
For hyper-growth businesses with 12 months of operational history and generating $100,000+ in monthly revenue, offering non-dilutive financing solutions to fuel further expansion.
Workforce support incentive
Not financing. Not a loan. Work with our in-house team at SCP–Refunds to claim up to $26,000 per W2 employee your business retained during the pandemic. 3 Days to an Approval.
Term Loan (Most Popular)
Use for investments in your business, such as expansion projects or large purchases. Get a one-time lump sum of cash upfront, with the option to apply for more when you’re halfway paid down. $20k-$1mm. Repayment terms up to 24 Months.
Custom Solutions
A Financial Advisor for Every Type of Business
You don’t need to be an expert on small business loans. We’re well versed in every industry. Your dedicated, U.S. based loan advisor is available to help you every step of the way.
50 States. Every Industry (Almost)*.
From franchisees to medical offices. Non-profits to startups. New York to Hawaii. We have provided financing to just about every industry in all 50 states.
Apply for an SCP Term Loan (Application)
“Thank you for the financing that allowed us to open our fourth Subway location. Your flexible approach, using revenue from our prior three locations as collateral, was invaluable. Obtaining the loan was a seamless process thanks to your attentive team. The new location is thriving and we appreciate the support you provided in making this expansion possible. We wouldn’t be where we are today without your help.”
— Matt A. – Owner of 4 Subway Franchise Locations
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Expansion Capital, Payroll, Materials, Equipment. Finance what you need.
Keep your businesses’ ability to grow nimble.
“The 18-month payback period was perfect for my needs, and I appreciated the flexibility you showed when I paid it down multiple times. Being able to renew the financing was a big help for growing my business.With your support, I was able to purchase inventory to expand my services and meet customer demands”
— Rodrigo L.
Qualify for more funding. Relationship Driven.
As you build your account history with Simmons, you may be eligible to increase your funding threshold. Just reach out to your dedicated Account Manager at any time for a line increase.
Fast, Easy, Practical
Application
Simple applications. Soft pulls only. Eligibility is always primarily determined on business revenue and volume.
Approval
Approvals are typically provided within 1 business day of all submitted documents (usually bank statements and the 5 minute app).
Deposit
We fund within hours of providing an Approval. No dragged out processes from approval to deposit.
“The 18-month payback period was perfect for my needs, and I appreciated the flexibility you showed when I paid it down multiple times. Being able to renew the financing was a big help for growing my business.With your support, I was able to purchase inventory to expand my services and meet customer demands”
— Dr. Alexis Fleming.
The only way is up
Learn how to use working capital to grow your business. It’s an art. We’ll help you master it
Quick Apply
SMS Underwriting (2 minutes!)
The only way is up
Learn how to use working capital to grow your business. It’s an art. We’ll help you master it
Quick Apply
Talk to an advisor
Testimonial
Stories of success from our client
The perfect funding partner
I am writing to express my utmost satisfaction with the exceptional service provided by Sal and his team. Their expertise and dedication were instrumental in helping us secure the funding we required.
We are extremely pleased with the outcome and look forward to a long and fruitful relationship.
Gamaliel BaezUnited States
Simmons saved my business
Matt from Simmons Caputal literally saved my business. When other didn;t belive in my business potential, Matt has always been on my side.
He’s been like a brother to me, more than a supplier.
He is very kind, professional and he understands entrepreneurs like me. 11/10
John AndersonUnited States
Good Guys
Even though I did not secure capital with Sam at Simmons – he was extremely honest and open throughout the process. In an industry where everyone wants to take advantage of you there are always the good guys!
Elara TorresUnited States
Eric Stone was fantastic
Eric Stone was fantastic! Very smooth and convenient process. The staff were knowledgeable and seemed to value our time.
Lisa MartinezUnited States
Overall Good Experience so far…
Monica was never pushy and very professional before, throughout and after the process was completed. Given this industry, it was actually quite surprising and refreshing.
Damian AlexisTrinidad and Tobago
The only way is up
Learn how to use working capital to grow your business. It’s an art. We’ll help you master it