Capital to move your
business forward.
3-minute application. Funding in as little as 24 hours.
Direct access to leading national banks and private credit providers.
Halford Capital is a network of leading banks and private credit institutions that help position your business with the capital source best aligned to its profile and funding objectives.
SBA Loans
Government-backed financing with the lowest rates and longest terms available to small businesses. The SBA guarantee reduces lender risk, giving you access to capital that might not be available through conventional channels, with repayment terms designed around long-term growth, not short-term cash flow pressure.
Funding
$25K - $5M+
Timeline
4-6 weeks
Repayment
Monthly, 5-25 yr terms
Key Highlights
- Lowest available interest rates for small business
- Longest repayment terms reduce monthly payment burden
- No collateral options available for qualified borrowers
- Expedited closing for loans under $500K
One application. We match you to the best-fit lender and structure.
Built for business owners who value their time.
One application. Multiple lender matches. Transparent terms. No obligation.
3 min
Application time
Simple online form, no paperwork to start
24 hrs
Fastest funding
From approval to capital in your account
$25M
Maximum funding
From $1K microloans to $25M+ capital
Bank-Level Security
AES-256 encryption protects every application. Your data is never sold to third parties.
Transparent Process
Clear terms, no hidden fees, no obligation. You see every offer before you commit.
Expert Guidance
Our team helps you navigate options and structure the best deal for your business.
Frequently asked questions
Everything you need to know about working with Halford Capital.
Yes. Halford Capital is a registered U.S. business lending marketplace that connects small businesses with national banks and private credit providers. Every lender in our network is vetted, and we never charge upfront fees. Your application is protected by AES-256 encryption, the same standard used by major financial institutions.
Halford Capital is a business lending marketplace. You fill out one simple application, and we match your business with the best-fit lender from our network of national banks and private credit providers. You get multiple options without the hassle of applying separately to each one.
No. Our initial application uses a soft credit inquiry, which does not impact your credit score. A hard inquiry only occurs if you choose to move forward with a specific lender's offer, and we'll always let you know before that happens.
It depends on the product. Our Fast Capital program can fund in as little as 24 to 48 hours. Lines of credit typically fund within a week. SBA loans and commercial real estate transactions take longer, usually 4 to 6 weeks, due to the government-backed underwriting process. We'll give you a clear timeline upfront.
Our initial application takes about 3 minutes and asks for basic business information: revenue, time in business, and funding needs. Depending on the product you qualify for, we may request additional documentation like bank statements or tax returns as you move forward.
We work with businesses across most industries, from restaurants and retail to construction, healthcare, and professional services. Whether you're a startup with at least 6 months of revenue or an established company, we have financing options designed for your stage of growth.
Funding ranges from $1,000 to $25 million depending on the product. Lines of credit can go up to $10M, including asset-based credit lines for qualified businesses. Term loans go up to $300K, SBA loans up to $5M+, and commercial real estate financing up to $10M. We'll match you with the right product based on your needs and qualifications.
None at all. Applying is free, and you're under no obligation to accept any offer. We present your options and let you decide what's right for your business.
Banks offer one set of products with one set of criteria. If you don't fit, you're out. Halford Capital connects you to a network of lenders, so instead of one shot, you get access to multiple options tailored to your business profile. We do the matching so you don't have to shop around.
Absolutely. We use AES-256 bank-level encryption to protect your data, the same standard used by major financial institutions. Your information is never sold to third parties.
Financing guides worth reading
Practical resources built around the questions business owners are asking most about rates, requirements, and fit.
SBA Loan Requirements in 2026: Credit, Collateral, and Documentation
A plain-English breakdown of what SBA lenders look for in 2026, including time in business, credit, cash flow, collateral, and required documents.
Business Line of Credit Requirements in 2026: What Lenders Look For
Understand the real approval criteria for a business line of credit, including revenue, deposits, time in business, credit, and how lenders read your bank statements.
SBA Loan Rates Today: 7(a), 504, Fees, and Monthly Payments
A current guide to SBA loan pricing in 2026, including 7(a) rate caps, typical 504 ranges, fee considerations, and simple monthly-payment examples.
Business Line of Credit Rates in 2026: What Banks and Online Lenders Are Charging
How line-of-credit pricing looks right now across banks, SBA-backed facilities, and online lenders, plus the fees and qualification factors that change your real cost.