Patner With Us – Ream Advance

Partner with Ream Advance

Best

combinations of products

Fast

speed to approval

Industry Leading

technology for decisioning

A partnership built for growth.

At Ream Advance, we support our partners with flexible funding options, clear processes, and reliable service. By working together, we help small businesses access financing that supports long-term success. Our partners include:

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

Minimum Broker/ISO Requirements

2 Years in business
$1 Million new business funding per month
Functional Website with encryption & privacy policy
Business Insurance general or professional
Ethical fiscal conduct
U.S. Based business location

Ready to see if we're a good fit?

If you are a broker, sales organization, or lender interested in partnering with Ream Advance, click the button below to complete an inquiry form.

Why Get A Ream Advance Line of Credit?

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.

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.

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.