At ChatBiz Finance, we fund small businesses with exclusively healthy capital, even if it means saying no. No MCAs. No factoring. No daily payments. We want to get you out of bad debt, because no one should go bankrupt from one bad term sheet.

We deliver financing from $10K to $5M through two channels: our private fund for fast working capital and MCA refinancing, and our network of vetted partners for SBA loans, term loans, and lines of credit. Led by Javier Jorge—Senior VP at Locality Bank and NAGGL Board Member—we've deployed $300M+ across 1,000+ businesses.

Our specialty is MCA refinancing. We get businesses out of predatory daily payment loans in as fast as one week, cutting rates in half immediately, then managing the 12-month path to SBA refinancing. It's our signature product: from your 80% MCA rate with daily payments to 12% APR monthly payments in 12-18 months.

What makes us different is straightforward: we'll tell you if it's the wrong loan, even if it costs us the deal. We don't sell your data to spammers or sharks. We refuse to trap businesses in debt cycles. Our lending experts are incentivized to find you the right capital, not just any capital. If that means pointing you to grants, telling you to wait six months, or connecting you to our database of 600+ free resources instead of lending, that's what we do.

Every business gets hands-on support from a lending expert who's deployed hundreds of millions in capital. While others automate you into bad terms, we chat business first. This is small business financing without the games.

ChatBiz Finance

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