Ream Advance

Business funding options up to $500K, made simple

Submit an application in minutes and get access to the funding you need.

I need funding to:

$500M+

Funding Provided Nationwide

300+

Satisfied Business Owners

150+

Businesses Supported

Rated by industry experts as “Best for Short-Term Loans”

Funding solutions designed to fit your business.

Ream Advance Line of Credit

Funding access designed to support your business whenever the need arises.

Ream Advance Term Loan

Get a lump sum upfront for larger projects, with potential for future funding

Trusted by business owners nationwide

Easy Process

Work directly with Ream Advance from application to funding, with no third parties involved at any stage.

Simple Access

Tap into your line of credit whenever you need it, or choose term loans with structured repayment options.

Credit-Friendly

Check your eligibility without any impact on your credit score.

Ways Ream Advance funding can support your business

WIth us, you work directly with our in-house loan advisors who guide you every step of the way. Whether your goal is to grow, stabilize, or invest in your business, we make sure you get the capital that fits your needs — quickly, easily, and without a middleman.

Purchase inventory
Cover payroll
Expand or renovate
Launch marketing campaigns
Stabilize cash flow
Upgrade equipment
Hire more employees
Consolidate business debt

Get funding on your timeline

1 Apply online

Complete the short application – it just takes a few minutes.

2 Review and select

A loan advisor helps you pick the best option for your business goals.

3 Receive your capital

Sign your agreement digitally and move forward with funding.

Are you eligible? Our minimum requirements

12 months in business
Active business checking account
$100K annual revenue
625 personal FICO® score

Experts in small business lending

You don’t have to be a financing expert — our US based loan advisors walk you through every step.

Small Business Loan

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Same-Day Funding is only available in certain states for term loans up to $250,000. Eligibility window is Monday–Friday before 10:30 a.m. ET. If checkout is completed before 10:30 a.m. ET, funds may be available by 5:00 p.m. local time the same business day. If checkout is completed after 10:30 a.m. ET, or on a weekend or bank holiday, the loan will not qualify for Same-Day Funding and funds will typically be deposited within 2–3 business days.
Instant Funding requires registration and is subject to the Instant Funding Terms & Conditions. Instant Funding is limited to open lines of credit for draw amounts between $1,000 and $10,000, with a limit of one draw request per day. Not all banks or debit card providers participate. To qualify, you must register a business debit card that matches the information associated with your Ream Advance account. Transfers are typically completed within 30 minutes but may be subject to additional restrictions or delays.
Certain industries are not eligible for financing (see list of restricted industries). In addition, Ream Advance does not lend to businesses located in North Dakota. Additional underwriting requirements may apply.
If you pay off a Ream Advance term loan early, you may still be required to pay a portion of the unpaid interest expense, as outlined in your loan agreement. The specific percentage will be disclosed in your agreement.
Eligibility for the lowest rates is very limited and available only to businesses with the strongest credit profiles and cash flow performance. This typically includes businesses that demonstrate excellent payment history on prior financing products with Ream Advance.
The average APR for term loans is 56.4%, and the average APR for lines of credit is 56.6%. Averages are based on loans originated in the six-month period ending June 30, 2025.
Depending on your state and other application factors, you may be required to make a minimum initial draw of $1,000 at origination.
Only customers who have previously renewed a term loan are eligible for a 0% origination fee. Customers renewing a term loan for the first time may receive a discounted origination fee. No origination fee discount applies to renewal loans with a 24-month term.
All loans are subject to lender approval. Depending on your state, business profile, and loan characteristics, financing may be provided by Ream Advance or one of its lending partners. The lender will be clearly identified in your loan agreement prior to signing.
Only select customers with strong credit profiles and sufficient verified monthly revenue who meet specific underwriting criteria are eligible for loan amounts up to $400,000.