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Kosmos Financial
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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.

A young boutique owner standing in her clothing store, holding a tablet and smiling at the camera, with racks of clothing behind her A machine shop owner standing in his workshop, surrounded by industrial equipment and parts A carpenter smiling as he planes a piece of wood at his workbench
70+
Lenders in our network
92%
Approval rate
Same Day
Funding available
How it works

Kosmos Financial's loan matching process is simple

  1. Apply Online

    Complete our short online application. Most people finish in under a minute.

    Start application →

  2. Work with an Expert

    Get paired with one of our financing consultants to review your goals and the best path forward.

  3. Compare Offers

    Choose the financing option that best suits your needs from a pool of 70+ lenders.

  4. Closing Time

    Select an offer and see funds hit your account in as soon as a few hours.

Explore Loan Types

Explore different types of financing for your company's needs.

  1. Term loan icon

    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.

    See rates & terms →
  2. Line of credit icon

    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.

    See rates & terms →
  3. SBA loan icon

    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.

    See rates & terms →
  4. Equipment financing icon

    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.

    See rates & terms →
  5. Working capital icon

    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.

    See rates & terms →
  6. Business credit cards icon

    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.

    See rates & terms →
  7. Commercial mortgages icon

    Commercial Mortgages

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

    See rates & terms →
  8. Hard money icon

    Hard Money / Bridge Loans

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

    See rates & terms →
  9. Accounts receivable icon

    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.

    See rates & terms →
What our clients say

Real businesses. Real results.

See all reviews on Trustpilot
Why Kosmos?

We Have Your Back.

  • 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.

  • Transparency

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

  • 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.

  • Results

    With 70+ lenders in our network, we have the leverage and the connections to get you the best possible financing available.

FAQ

Frequently Asked Questions

Answers to commonly asked questions about lending

4 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.
Yes, visit our Loans page 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.
Select programs are available for borrowers with excellent credit.
For Partners

When your network needs capital, partner with Kosmos.

  • Generous Revenue Split

    Earn commission on every successful deal.

  • Same-day payouts

    Your clients get funded fast, and you get paid the same day we do.

  • White-glove support

    Branded marketing materials, a dedicated account manager, and 24/7 access to our team.

Become a Partner →

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 Program