Boost your reserves, plan for what’s next

Get a cash infusion to maintain your operations and stay competitive in your market.

How much are you looking to finance?
Please enter a value between $20,000 - $500,000

No application fees, commitment, or impact on personal credit to view your estimate.

BHG Loans
BHG Loans

The BHG Money difference:

Large loans

Up to $500K1,2

Low payments

Up to 12 years1

Concierge service

7 days a week


Finance all your business’ needs with one comprehensive
financial solution

As a business owner, you have to bear a wide variety of costs in order to sustain your operations. With a large and
affordable loan from BHG Money, you can cover it all.


Boost cash flow

An infusion of capital can help you meet immediate obligations and achieve your short-term goals.


Launch multiple business initiatives at once

Whether you’re looking to purchase inventory, upgrade your security and technology, or hire an expert to optimize your firm, a premium loan from BHG can help you do it all—and more.


Cover costs for seasonal businesses

For companies that are designed to operate seasonally, a BHG loan can support your business during off-peak months.


Lending designed around you

As a hardworking professional, your time is valuable. 
We've streamlined the funding process to provide you with a frictionless experience.

3 steps

1. Get Started

Our dedicated team will guide you through the process and help you submit any necessary documents.

2. Review your file

We’ll review your qualifications and check your credit, but don’t worry—applying won’t affect your credit score.

3. Receive your funds

If approved, we’ll make sure your custom loan solution meets your needs and gets funded promptly.


BHG Money creates financial solutions tailored to the unique needs of the country’s top professionals, providing a lending experience built on premium concierge service.


Loans funded

A+ Rating




Consider us your trusted financial partner

We're commited to serving the needs of our borrowers. 


FAQs: Working Capital Loans

Generally, Working Capital Loans can be used to increase your cash flow, make large purchases for your business (i.e., inventory, security, and technology), cover accounts receivable, or support a seasonal business during the off months.

  1. Fill out an application. You can apply online in minutes or call us directly to speak with a loan specialist.
  2. We’ll gather the necessary documentation for you. This may include income verification documents such as tax returns and bank statements. If anything else is needed to process your application, we’ll reach out to work with you.
  3. After we’ve received all the necessary information and documents, our team will review your qualifications and notify you promptly regarding approval.

No. Applying for our business loans will not impact your personal credit. We only perform a soft pull of your credit when you apply, so your score will remain intact. After you’re funded, your BHG Money business loan will not be reported to the credit bureaus. However, if your account becomes delinquent, we can report the delinquent trade line to the bureaus.

This is a commercial loan. A commercial loan (or business loan) is intended for business use, such as consolidating business debt, upgrading equipment or technology, or expanding to a new location.

A personal loan is intended for personal use, such as consolidating personal debt or improving a home.  

Note: You can take out a business loan from BHG Money even if you do not currently own a business. So long as your use of funds is commercial in nature, for example, pursuing a passive income opportunity alongside your day job, business financing is a viable option.  

BHG considers you based on the credit and income you provide at the time of your loan application and approval.

Important note: If your employment or income status changes after you receive a loan, you’re still obligated to pay it back based on the existing loan terms.

No, we evaluate a combination of personal and business income, among other factors, to make a loan decision.

No, there is no minimum requirement.

Our Working Capital Loan is a secured loan. For commercial loans, BHG Money files a lien on the business via a Uniform Commercial Code (UCC) filing.  

The interest rate is fixed.

The typical Working Capital Loan customer earns an annual income of $163K/year, has a 738 FICO Score, and an average of 18 years of experience.

View your estimate

There is no cost, commitment, or impact on your credit score to see your estimate.

¹ Terms 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.

² BHG 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.

Testimonial(s) based on unique customer experience. Individual customer experiences may vary.

For California Residents: BHG Money loans made or arranged pursuant to a California Financing Law license - Number 603G493.

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.