🇺🇸 Americas
America’s Fastest Path from Application to Capital
Whether you operate a single-location restaurant in Texas or a multi-state logistics fleet, Granton Hale delivers funding decisions in hours and capital in days — not the weeks your bank quotes.
Check Your EligibilityMarket Overview
Business Funding in the United States
The United States is home to over 33 million small and medium-sized businesses that collectively employ nearly half the private workforce. Yet despite being the world’s largest economy, American SMEs face a persistent funding gap: the Federal Reserve’s Small Business Credit Survey consistently shows that over 40% of small businesses that apply for financing receive less than they request, and nearly 20% are shut out entirely. Traditional banks have retreated from small-dollar commercial lending, leaving a void that Granton Hale Capital was built to fill.
Our US operation, headquartered in New York, funds businesses in all 50 states plus the District of Columbia. We evaluate applicants on revenue performance and business trajectory rather than relying solely on FICO scores and collateral. This approach means industries that banks routinely decline — cannabis operators in legal states, owner-operator trucking companies, seasonal hospitality businesses, and early-stage e-commerce brands — can access the capital they need to grow.
From SBA-alternative term loans to revenue-based financing and merchant cash advances, we match each business with the product and lender that offers the best economics for their specific situation. Funding decisions arrive within 6 hours on average, and capital can land in your account the same business day.
Quick Facts
Country
🇺🇸 United States
Currency
USD
Funding Range
$25K–$50M
Eligibility
- Registered US business entity (LLC, Corp, Sole Proprietorship)
- Minimum 3 months in operation
- At least $10,000 in monthly revenue
- Active US business bank account
- No open bankruptcy proceedings
The Challenge
Why United States Businesses Struggle to Get Funded
Bank Consolidation Has Gutted Local Lending
The number of US community banks has fallen by more than 10,000 since 1990. These were the institutions that understood local businesses and made character-based lending decisions. Their disappearance has left millions of SMEs without a banking relationship that leads to affordable capital.
SBA Loans Are Slow and Paperwork-Heavy
While SBA 7(a) loans offer favorable terms, the application process averages 60–90 days and requires extensive documentation including tax returns, business plans, and personal financial statements. Many businesses need capital faster than the SBA process allows.
Credit Score Dependency Excludes Strong Businesses
US lenders lean heavily on personal FICO scores, which penalize business owners who have used personal credit to bootstrap their companies. A 620 FICO can disqualify a business doing $5M in annual revenue with perfect payment history to suppliers.
Industry-Specific Discrimination
Banks routinely decline entire industries regardless of individual business performance. Cannabis operators, trucking companies, construction firms, and restaurants face categorical rejection from traditional lenders despite strong revenue and growth.
Available Products
Funding Solutions in United States
One application gives you access to multiple funding products tailored for the United States market. View all solutions
Term Loans
Fixed-rate business loans from $25K to $50M with repayment terms of 3 months to 10 years. Ideal for expansion, acquisition, and large capital expenditures.
Revenue-Based Financing
Flexible repayment tied to your daily or weekly revenue. Payments adjust automatically so you pay less during slow periods and more when business is strong.
Merchant Cash Advances
Advance on future credit card and debit card sales. No fixed monthly payment — remittance is a percentage of daily card volume, ideal for retail and restaurants.
Business Lines of Credit
Revolving credit facilities from $50K to $5M. Draw funds on demand, repay, and draw again. Only pay interest on what you use.
Equipment Financing
Fund machinery, vehicles, technology, and specialized equipment with the asset itself serving as collateral. Terms up to 7 years with competitive rates.
Industries
Key Industries We Fund in United States
We welcome all industries — these are among the most common in this market.
FAQ
Questions About Funding in United States
Does Granton Hale fund businesses in all 50 states?
Yes. We fund businesses across all 50 US states plus the District of Columbia. Our lending network includes partners licensed in every state, so regardless of where your business operates, we can connect you with appropriate funding options.
Will applying affect my credit score?
No. Our initial eligibility review uses a soft credit inquiry that does not appear on your credit report or affect your score. A hard pull only occurs if you accept a specific offer and move to final underwriting with a lender.
Can I get funding if my bank turned me down?
Absolutely. Over 60% of our funded clients were previously declined by a traditional bank. We evaluate your business on revenue performance and trajectory, not just credit scores and collateral, which means many bank-declined businesses qualify through our network.
How fast can I receive capital?
Most US businesses receive a funding decision within 6 hours of completing their application. Once you accept an offer, capital can be deposited into your business bank account the same day or within 1–2 business days depending on the product.
Do you fund cannabis businesses?
Yes. We work with licensed cannabis operators in states where cannabis is legal for medical or recreational use. Because most banks cannot serve cannabis businesses due to federal banking regulations, we connect operators with specialized lenders who understand this industry.
Explore More
Other Markets We Serve
Ready to Get Funded in United States?
30-second application. No hard credit pull. Decisions in hours.