Apply in 60 seconds
Affordable interest rate and commissions
Choose flexible repayment terms, including revolving credit
We empower small businesses by providing personalized funding solutions that look beyond credit scores and bank statements.
Sky-high approval rates higher than 60%
Duckfund is not like most small business lenders. We actually want to fund your business. Unlike banks who look for reasons not to give you money, we seek out the positives in your start-up.
We understand that you need working capital to achieve your business goals. That's why we prioritize your business's potential over your personal credit score and take the time to understand your unique situation.
“What’s the purpose of your loan? Where’s your business plan? How will you use the funds?” Applying for a bank loan can feel like going up on trial. And you may not even know all the answers.
Duckfund’s lightning-fast acceptance process takes you 60 seconds.
Fill out a few boxes, click ‘submit’, and get on with running your business.
Did you know that 90% of icebergs are underwater?
Judging your business by just its credit score is like looking at the tip of an iceberg; it only reveals a small portion of your true financial situation. Duckfund’s AI-powered assessment tools help us dive beneath the surface to uncover the other 90% that gives your business potential. We assess the quality of your products and services, your growth potential, and even social media activity to come up with financing that reflects your business’s worth.
The debt cycle is real.
Many lenders target borrowers with high-interest loans they cannot afford with sky-high commission rates tacked on. This may lead to the business taking out more short-term loans just to pay off existing debt, trapping them in a spiral of debt.
You can avoid all of this with Duckfund’s fair and transparent pricing policy. We want to build confidence in an unstable world, and this includes giving growing SMBs access to affordable finance.
At Duckfund, we believe in flexibility.
Business revenues can be unpredictable and seasonal, so you may need to adjust your payment schedule to ease the pressure during tough times.
For us, this is a natural stage of the business cycle, rather than a make-or-break issue that threatens our agreement.With our flexible repayment schedule, you can choose a payment plan that works best for your business's cash flow, whether that's weekly or monthly payments. Then, if your business experiences unexpected growth or a sudden influx of monthly revenue, you can increase your payments and pay off your loan amount faster without incurring any penalties or fees.
Become a member of Duckfund family to get better financing today
ApplyThere’s never been a more challenging time to get small business financing. Uncertain economic conditions mean lenders are more fearful of bad credit than ever and their criteria are getting tougher and tougher.
As an SMB entrepreneur trying to get working capital loans right now, you’ve probably tried several different options with no luck, including the following.
Established financial institutions may seem like a safe bet, but they often use their big names to get SMBs to jump through hoops and ramp up interest rates during underwriting.
Often the application process for a term loan, business line of credit, or equipment loan is stressful, with the bank appearing to work against your business rather than with you. No wonder large banks were turning down 75% of SMB loan applications following the pandemic. Their eligibility requirements were too high
If you apply for an SBA loan then you’re probably not getting one. But that’s nothing against you and your business: 9 out of 10 SBA applications are rejected, according to research by financial resource Fundera. In fact, SBA loan volume has been steadily declining over the past decade, showing a drop of 54% between 2017 and 2021.
And why is that? Well, like most big lenders, the SBA subscribes to the “5 Big Cs” criteria: credit score requirements, collateral, character, capital, and capacity to repay the debt, in terms of annual revenue and other factors.If they deem you to fall short on any of these, then the answer’s no.
Credit cards are an ideal short-term solution for some business needs, provided you have the means to repay the outstanding lump sum as soon as possible. Yet, it’s not always possible for a small business to do that, especially in its early stages when any income just goes straight back out the door to fund growth.
Left unpaid, business credit card debt can quickly accrue, with the typical interest rate still pushing 25% in 2023. It’s also very easy to miss extra fees that come in the small print in credit card T&Cs, such as annual fees and foreign transaction charges. Take your eye off the ball at any moment, and you risk accumulating debt that you may have great trouble shifting later.
Got a bunch of credit sales but can’t get hold of cash? Merchant cash advances are a way of unlocking future credit card sales by exchanging them for immediate cash. The lender collects a percentage of your revenue until you repay the full sum.
Invoice financing (or factoring) works along similar lines, except the lender ‘buys’ your invoices from you and charges you factor rates until you fully repay. MCAs are easier and faster to get than a loan, but taking a chunk out of your sales receivable can simply move cash flow problems down the line. These advances also often come with high fees and interest rates, which may make them more trouble than they are worth.
The last 20 years have seen a strong shift toward digital financing options across the world. Online applications are quick, easy, and often lead to fast funding that can make or break your business’s future. Yet, getting fast business loan options with amazing terms sounds too good to be true. That’s because it often is.
Searching for small business funding online comes with several risks. The regulatory landscape for online loan programs and alternative lenders is still evolving, and it’s easier to come across bad credit providers in the digital sphere who are more able to hide their identity.
Even trusted digital lenders often charge high-interest rates to cover their investment in technology and online marketing. These dangers make it essential to choose an online lender that’s open about their funding, whose terms are easy to understand, and who comes with quality testimonials.
We know that time is of the essence for you and your business.
Our streamlined funding process is designed to get you the fast small business loan you need in as little as two business days. Apply on Monday morning and by Wednesday you can start using the funds to open the doors that lead to long-term growth. We believe that by offering quick access to capital and flexible repayment terms, we can help small businesses thrive and reach their full potential.
So why wait? Apply now and start putting your plans into action.
Anna was amazing!
The process was very easy and everything went extremely well with the entire process!
Thanks Duckfund for the opportunity to do business with you all it has definitely been a pleasure!
Shaprell Malivert
Anna and her team were wonderful to work. Sometimes getting a small business loan can be challenging and impersonal, but she said YES when other lenders didn't. I highly re
Duckfund helped me in a very difficult time. Anna Kogan was very understanding of my short term need for funding and the way I needed the payout. Anna and Duckfund not only were able to accommodate my particular needs, but equally important provided the funding in a timely manner. As my business grows, I plan on establishing a successful and exclusive funding partnership with DuckFund.
Сommend DuckFund as being your first choice when seeking a business loan. They are worth the Five Stars so check them out.
Michael Carithers
Our AI-powered approval process means we can get back to you with loan offers much quicker than traditional lenders. You should hear from us within 24 hours or even faster.
Yes. All applicants need a personal guarantee to access our high-approval, low-interest business financing. But there is no minimum credit score thanks to our unique AI-powered credit model.
We simply ask that you have had a business in place for six months with a minimum level of revenue of $5,000 per month. This is much shorter than the two-to-three-year minimum that traditional lenders expect. The US SBA, for example, requires three years’ worth of paperwork.
Duckfund offers flexible repayment schedules that are based on your business’s unique situation and needs. We believe that rigid repayment structures cause more harm than good, so our friendly customer service team is always on hand to offer solutions.
Our fast cash loans for small businesses are typically for three to six months.
Yes, the loan can be on a revolving basis, acting as a flexible credit limit for you and your business be it for business expenses, capital expenditure, or equipment financing.
No. While small business owners make up most of our customers, we also provide fast business loans to larger companies.
