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Kosmos Kosmos Financial Logo Financial
Kosmos Financial
Kosmos Financial

Find the right loan for your business.

Kosmos Financial makes finding a loan for your business fast and effortless, by sourcing the best possible program for your unique situation.

See if your business is eligible for financing.

How it Works at Kosmos

Kosmos Financial's loan matching process is simple

Explore Loan Types

Explore different types of financing for your companies' needs.

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    Term loans

    Used for long term expansion plans, get a large lump sum and pay it back over a number of years. Will need at least 1 year of business tax returns.

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    Lines of credit

    Great for every business to have, a line of credit is a revolving amount of credit where the amount you borrow is up to you and you can control the cost of capital based on how quickly you plan on paying it back.

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    SBA Programs

    The small business administration has various programs that are essentially term loans, but with the best rates and terms on the market. Programs will vary based on qualifications and use of funds

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    Equipment financing

    A loan or lease to purchase tangible equipment for your business. The number one option to get the equipment you need to expand or operate. Options begin with no money down, and closing is faster than other types of collateralized loan programs.

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    Working capital

    Short term advance of future receivables, Also referred to as merchant cash advances. Best used for those who need access to capital quickly, this financing is also the most flexible when it comes to customizing terms.

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    Business credit cards

    Great for getting a business off the ground, or adding an additional credit line to your existing business. Business credit cards often come with 0% interest for the first year and approval amounts that are higher than your typical consumer credit cards.

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    Commercial mortgages

    Used to purchase or refinance commercial space (multifamily, office, industrial, mixed use, etc.) for your business.

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    Hard money/Bridge programs

    A short term loan to help cover costs for a renovation or transitionary period, during a commercial real estate transaction. Used by Fix & flippers, developers, and other real estate professionals.

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    Accounts receivable financing

    A credit line that uses your accounts receivable as collateral. Used to access revenue faster, instead of waiting for the receivables to come in over the course of 30-180 days!

Why Kosmos?

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    Speed

    From our application process, to reviewing offers and closing, everything we do is FAST. We value your time and want your application process to be as efficient as possible.

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    Transparency

    Upfront, honest and clear communication is how we do business. From start to finish, we keep you informed.

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    Guidance

    Kosmos pairs you with one of our financing consultants to help guide you through the entire process. From application to closing, you have their direct contact information so you can quickly get the help you need.

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    Results

    With over 100+ lenders in our network, we have the leverage and the outlets to get you the BEST possible financing available.

FAQ

Frequently Asked Questions

Answers to commonly asked questions about lending

3 months of business bank statements and $10,000 per month in revenue.
Unfortunately we cannot provide any funding with personal bank statements or personal tax documents.
Depending on the type of financing you are closing on, funds will hit your account within 2-48 hours of closing.
Click here to see all the types of financing we offer, along with the associated rates, term lengths and dollar amounts.
No. Applying with Kosmos will not result in a hard inquiry on your credit profile. All of our applicants will have a soft inquiry, which does not affect the score in any way.
Once your application is submitted, you will hear back from us within 3 business hours at the latest.
While credit requirements are highly dependent on the program you are looking for, our bare minimum for credit is 475.
No, we require a minimum of 3 months in business and $10,000 per month to process your application.

Partner with Us

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    Step 1: Apply here

    Complete our 30 second partner application.

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    Step 2: Onboarding

    Get paired with one of our account managers to complete a quick onboarding process.

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    Step 3: Commission!

    Bring in additional revenue to your business by sending your clients to Kosmos Financial.

Get Started     →

Find the right loan for your business

Kosmos Financial makes finding a loan for your business fast and effortless, by sourcing the best possible program for your unique situation.

Find Loans Partner with us