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We’ve connected thousands of businesses with the capital they need. All credit types, all industries—get your approval in minutes

Join 2,5K+ businesses growing with Kobomerchants.com

Navigating the world of business funding can be complex and time-consuming. We’ve built a smarter way to connect you with capital, saving you hours of research and countless rejections.

Step 1: The Free Consultation Call

Your journey starts with a single phone call. When you call our dedicated number, you'll speak with a friendly funding specialist. This is not a automated system. We'll have a quick conversation to understand your immediate needs and goals by asking a few basic questions: Your Name & Contact Information Business Name & Time in Business The Amount You Are Seeking Your Average Monthly Revenue Details of Any Existing Loans This helps us immediately identify which lenders and loan products in our network are the best potential fit for your unique situation.

Step 2: Sign Up & See Your Offers

Based on our conversation, we'll guide you through our free, no-obligation application. Signing up allows us to securely share your information with our curated network of lenders. No Hard Credit Pull for the initial matching process. Multiple Offers to Compare: You won't get just one option. We empower you with multiple potential offers, allowing you to choose the term, rate, and product that works best for your business.

Step 3: Choose, Submit, & Get Funded

Once you select the offer you prefer, the final step is with the lender directly. You will submit any required documents to your chosen lender for final verification. Upon final approval, the lender initiates the transfer. Get Funds Fast: In many cases, especially with products like Merchant Cash Advances or certain lines of credit, you could receive your funds in as little as 12-24 hours after lender approval.

We believe every business deserves access to capital. That’s why we’ve built a network of lenders ready to work with a wide range of scenarios.

✅ All Credit Scores Considered
✅ All Industries Welcome
✅ Minimum Annual Revenue: ~$150,000
✅ High Approval Rate

Stop wondering if you qualify.
Get a real answer now.

Get expert tips on securing funding, managing cash flow, and scaling your business

A business term loan provides a fixed amount of capital upfront, which is then repaid over a set period (the "term") through regular, fixed monthly payments. This predictability makes budgeting simple, as your principal and interest costs stay the same throughout the loan's life.

It is specifically designed for significant, one-time investments that drive long-term growth, such as:

Purchasing major equipment or vehicles
Acquiring commercial real estate
Financing a large-scale expansion or renovation
Buying out a business partner
Refinancing existing higher-interest debt

Ideal for established businesses with strong credit and revenue, term loans offer competitive interest rates and structured repayment timelines, making them a foundational tool for strategic growth.

Business Line of Credit: Your Financial Safety Net

A business line of credit works like a revolving credit card for your company. Instead of receiving a lump sum, you get access to a pre-approved pool of funds, up to a set limit. You can draw from this line whenever you need it, and you only pay interest on the amount you actually use.

This makes it the ultimate tool for managing unpredictability and seizing opportunities. It's perfect for:

Covering cash flow gaps between payables and receivables.
Managing seasonal inventory purchases or unexpected expenses.
Taking advantage of early-payment discounts from suppliers.
Handling urgent repairs or emergency costs without hassle.

Once you repay what you've borrowed, that credit becomes available again, providing a flexible, reusable source of capital that grows with your business.

Need flexible funding? KoboMerchants.com connects you with lenders offering lines of credit tailored to your business's cash flow patterns. [Find your flexible funding option today].

SBA Loans: Government-Backed Financing for Growth

An SBA loan is a business loan partially guaranteed by the U.S. Small Business Administration (SBA). This government backing reduces the risk for lenders, allowing them to offer highly favorable terms that are typically harder to qualify for with traditional loans.

These loans are renowned for their:

Lower Down Payments: Require less cash upfront, often as low as 10%.
Longer Repayment Terms: Extended terms of 10, 20, or even 25 years keep monthly payments affordable.
Competitive, Fixed Interest Rates: Offer some of the most attractive rates on the market.

SBA loans are an excellent tool for substantial, long-term investments like purchasing owner-occupied commercial real estate, acquiring another business, or undertaking major equipment purchases and renovations.

While the terms are excellent, the application process is known for being complex and lengthy. This is where our expertise at KoboMerchants.com becomes invaluable. We help simplify the journey by connecting you with SBA-approved lenders in our network and guiding you toward the right program for your goals.

Navigate the SBA landscape with confidence. Let KoboMerchants.com help you unlock this powerful financing tool. [Explore your SBA options today].

Every day you delay is a day you miss out on growth, new equipment, or seized opportunities.

Lines are open [Mon – Fri 9am – 5pm EST]

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Chloe R., "Urban Threads Boutique" - Austin, TX
"As a small fashion boutique, our entire year hinges on buying for the new seasons. I needed a $50k inventory loan quickly, but my bank's timeline was 8 weeks. KoboMerchants got it. They connected me with a lender that specializes in retail inventory financing. I had an offer in 2 days and the funds couple of days later, just in time to place my order. They didn't just see a credit score; they understood the fashion calendar. Absolute game-changer for seasonal businesses."

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Mark T., "Lone Star Hardware & Supply" - San Antonio, TX
"After 20 years in business, my delivery trucks were on their last leg. My credit had taken a hit during a slow season, and banks weren't interested. KoboMerchants found me a lender that focused on my 25 years of consistent revenue and strong assets, not just a number. They secured an equipment loan with a structure that matched my cash flow. Finally, a company that looks at the whole story of a hardworking business."

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Anika P., "Lone Star Gems" - El Paso, TX
"A once-in-a-lifetime opportunity to purchase a vintage jewelry collection came up, but it required immediate cash. Bank financing would have taken months. KoboMerchants connected me with a private lender that uses asset-based lending. They understood the value of the jewelry itself as collateral. We closed the deal in 5 days. Their ability to find niche lending solutions for unique situations is unparalleled."

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Lisa C., "The Toy Chest" - Houston, TX
"Every toy store owner lives for Q4, but you have to order in the summer. My existing credit lines were maxed out. KoboMerchants was a revelation. They found me a short-term loan specifically structured for seasonal inventory purchase, with terms that allowed me to repay it after the holiday rush. They didn't just offer money; they offered a strategic financial solution tailored to retail seasonality."

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Derrick J., "Alamo Fitness Supply" - San Antonio, TX
"The demand for home gym equipment is still strong, but stocking treadmills and weight sets requires a huge upfront investment. I needed a merchant cash advance to fund a large order quickly. KoboMerchants found a funder perfect for my business, which has high credit card sales volume. The advance was approved based on my future sales potential. It was the fastest, most straightforward funding I've ever experienced."

Get Business Funding
in as Little as 24 Hours.

Why Choose Kobo Merchants?

Step 1: The Free Consultation Call

Step 2: Sign Up & See Your Offers

Step 3: Choose, Submit, & Get Funded

Don't Wait!
Your Pre-Qualified Offer is Waiting.

Your Business is Pre-Qualified. Call to Claim Your Offer.

Insights & Advice,
for Business Growth

Navigating Small Business Loans in Texas: Your Guide to the Right Funding

How Does a Business Term Loan Work?

How to get funding for a startup?

What is the Easiest Business Loan to Get Approved For?

Find The Right Funding For Your Goals

Business Line of Credit: Your Financial Safety Net

SBA Loans: Government-Backed Financing for Growth

Your Business Can't Afford to Wait.

Hear What Our Clients Say

Get Business Funding in as Little as 24 Hours.

Why Choose Kobo Merchants?

Step 1: The Free Consultation Call

Step 2: Sign Up & See Your Offers

Step 3: Choose, Submit, & Get Funded

Don't Wait! Your Pre-Qualified Offer is Waiting.

Your Business is Pre-Qualified. Call to Claim Your Offer.

Insights & Advice, for Business Growth

Navigating Small Business Loans in Texas: Your Guide to the Right Funding

How Does a Business Term Loan Work?

How to get funding for a startup?

What is the Easiest Business Loan to Get Approved For?

Find The Right Funding For Your Goals

Business Line of Credit: Your Financial Safety Net

SBA Loans: Government-Backed Financing for Growth

Your Business Can't Afford to Wait.

Hear What Our Clients Say

Get Business Funding
in as Little as 24 Hours.

Don't Wait!
Your Pre-Qualified Offer is Waiting.

Insights & Advice,
for Business Growth