Business Loans

Tailored commercial financing with amounts up to $500K1,2 and flexible terms of up to 12 years1

Business Loans


Debt consolidation loan

Turn business debts into one fixed and affordable monthly payment

Existing business investment loan

Upgrade and expand your current business to increase your bottom line

New business opportunity loan

Buy into a business or develop passive income opportunities

Working capital loan

Boost your liquidity to finance all of your business needs and initiatives 

Personal Loans

Customized consumer financing with amounts up to $200K1 and flexible terms of up to 10 years1

Personal Loans


Debt consolidation

Turn personal debts into one fixed and affordable monthly payment

Home improvement

Remodel your kitchen and bath, add a pool, or make other upgrades to your space

Other ways to use your funds

Pursue multiple goals with one comprehensive financial solution 

FAQS

Loan Product FAQs

BHG Financial is a direct lender, able to provide credit decisions and approval in as little as 24 hours and get you funded in as few as 3 days.1 We have a highly skilled and dedicated team that facilitates a streamlined funding process built on 20 years of experience.

Rates start at 8.49%, and we offer extended terms up to 12 years.2 Our team will work closely with you on a no-cost, no-obligation proposal. All loan terms will be provided in full detail both verbally and in writing.

No, a working capital loan and a cash advance are not the same. A working capital loan is issued to finance the operations of a business or company and typically has a defined repayment term. A cash advance is a short-term loan in the form of cash that can be used for any purpose. Cash advances are typically capped at a few hundred dollars, have higher interest rates than normal credit card purchases, and require additional fees. Meanwhile, our working capital loans go up to $500,0002,3 and can be used for various business purposes, including consolidating business debt, covering payroll, buying new equipment, marketing, making upgrades and improvements, and improving cash flow.

We recommend that you consult your accountant, but in many cases, you can write off commercial interest for significant tax savings.

Yes. Prior to receiving your funds, you may cancel your loan at any time at no cost to you.

Depending on your credit profile and needs, you may be able to have two loans at once with BHG Financial.

We have a very large menu of loan opportunities to offer. Depending on which program best fits your needs, there may or may not be a pre-payment penalty.

Application Process FAQs

When you apply, you will need to provide the following information:

  • Financial need and loan amount
  • Corporate and personal financial statement to help us better assess your finances

Upon completion, you will receive a copy of the application for verification and signing purposes, and you will need to provide us with your most recent pay stub for income verification.

Signed application and income documentation will be required before facilitating a credit decision. Documentation may vary based on creditworthiness.

On average, it will take 10 to 15 minutes. Rest assured that we’ll work around your schedule to make this as seamless as possible and correspond via your preferred method of communication.

Since we perform a soft pull, our commercial loans will not appear on your personal credit report.4

Any loan approval from us will be honored for 12 days.

No. We have a financing program for every kind of professional. You can take a commercial loan to start a business, do consulting work, and more, even if you do not currently own a business.

No. At BHG Financial, you do not need a business plan as a prerequisite to apply for a business loan.

We consider various factors when reviewing your application, not just your credit score. Also, we employ a hands-on approach, working with you to understand your situation and decide which solution is right for you.

BHG Financial FAQs

BHG Financial is a non-bank direct lender. We’re different from traditional lenders and banks in various ways:

  • We cater to professionals of all industries nationwide, funding over $12 billion in loans since 2001
  • We specialize in unsecured lending, which means you don’t have to provide personal collateral
  • We provide personalized financial solutions up to $500,000 in as few as 3 days, and our commercial loans won’t appear on your personal credit
  • We have a flexible risk assessment process that looks at more than just your credit score
  • We provide premium US-based concierge service 7 days a week

BHG Financial has provided over $12 billion in loan solutions to professionals across all industries nationwide.

We’ve been funding professionals since 2001. See what our customers have to say about their experiences on Trustpilot.

We’ve also been honored by Inc. Magazine for growth and job creation more than 10 times.

We’ve worked with tens of thousands of clients since 2001. You can find many reviews on Trustpilot.

Yes. We use our own money to fund loan requests.

BHG Financial is committed to protecting consumer privacy and utilizes multiple identity theft prevention methods. Identity theft hurts everyone, not only the person whose identity is stolen, but financial institutions also lose out on stolen funds. In order to get a loan with BHG Financial, an applicant will have to go through a thorough application and underwriting process, which includes a full identity verification prior to receiving any funds.

Identity Theft & Fraud remain the fastest growing crimes in the United States. The total cost of identity theft in 2020 was $56 billion, the highest number in recorded history. Identity fraud scams cost victims $43 billion and traditional identity fraud cost victims $13 billion, according to a 2021 study by Javelin Strategy & Research. Financial services companies, like BHG Financial, are also the targets of these schemes. We work diligently to protect our customers, employees, and our firm from the myriad of threats that exist in our fast-paced business environment.

At BHG Financial, we have invested significantly into building an industry-leading fraud prevention program that delivers on our commitment to protecting your privacy, your information, and your trust in BHG Financial. We work diligently to provide robust and effective verification options for each customer prior to receiving any funds, or opening any of our financial products.

If you feel you have been the victim of Identity Theft or Identity Fraud, BHG Financial strongly encourages you to reach out to the following companies and government agencies, using these resource sheets:

1There is no impact on your credit for applying. For personal loans, a complete credit history, which will appear as an inquiry on your credit report, will be performed upon acceptance and funding of the loan and may impact your credit.

2Terms subject to credit approval upon completion of an application. Loan sizes, interest rates, and loan terms vary based on the applicant's credit profile. Finance amount may vary depending on the applicant's state of residence. Call for complete program details.

3BHG Money business loans typically range from $20,000 to $250,000; however, well-qualified borrowers may be eligible for business loans up to $500,000.

4There is no impact on your credit for applying. A complete credit history, which will appear as an inquiry on your credit report, will be performed upon acceptance and funding of a loan.

IMPORTANT INFORMATION ABOUT ESTABLISHING A NEW CUSTOMER RELATIONSHIP
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies every customer. What this means for you: When you apply for a loan, we will ask for your name, address, date of birth, social security number and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents. If all required documentation is not provided, we may be unable to establish a customer relationship with you.