Who We Are – Ream Advance

Why Ream Advance?

Your business is our business.

$500M+

Funding Provided Nationwide

300+

Satisfied Business Owners

150+

Businesses Supported

We're here to help you succeed on your own terms.

Simple Process

Applying for funding with Ream Advance is straightforward. Our online application is easy to complete, and you’ll receive a clear decision regarding your loan.

Real People

You’ll have a dedicated U.S.-based loan advisor, available five days a week, to guide you through every step of the process.

Tailored Options

We offer a business term loan and a business line of credit to meet your unique funding needs, with repayment terms that can be customized to fit your business.

Digital Security

Ream Advance is committed to protecting your business and data. Visit our Security Center to learn how we keep your information safe.

Transparent Pricing

Our Loan Comparison Tool provides a clear breakdown of your cost of capital, including all key terms, so you can make informed decisions.

Loyalty Perks

When you renew your loan, we’ll waive all remaining interest on your original term loan.

Trusted by business owners nationwide

No hard credit pulls

Check your eligibility without affecting your credit score.

Easy Access

Use your line of credit for your business needs. Term loans are available once approved.

Build business history

We report to business credit bureaus, which helps build business credit history with on-time payments.

We’re a top-rated online small business lender.

We’ve delivered over $15 billion in small business loans across the U.S.

Business owners like you love Ream Advance

See how Ream Advance has helped many businesses succeed — on their own terms.

“Project-based work requires careful financial planning. Ream Advance provided access to capital that helped us manage payroll and materials between job milestones. The structure worked well for how our business operates.”

Linda T.

Restaurant Owner

“Investing in updated displays and expanding product lines required additional capital. Ream Advance offered a solution that fit our revenue cycle and allowed us to move forward with improvements without overextending the business.”

Jamal S.

Construction Company Owner

“As we expanded into new contracts, we needed additional working capital to hire staff and purchase supplies. Ream Advance helped us structure funding in a way that aligned with our growth plans. It allowed us to take on larger opportunities with confidence.”

Brian C.

Commercial Cleaning Company Owner

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.