Funding Solutions Made for Your Business
Empower your business with fast, easy financing.
Apply Online
Fill out our simple and secure online application-it only takes a few minutes.
Choose Your Plan
Work with your funding specialist to find the plan that best fits your business needs.
Get Your Funds Fast
Once approved, you can receive your funds in as little as 48 hours.
As Seen On
Here's What We Do
Funding Made Simple.
Capital When It Counts.
Your business is unique—your financing should be too. We’ll help you choose the solution that works best.
SBA + Term Loans
Flexible loans designed to give your business the boost it needs—whether that’s covering everyday costs, fueling growth, or seizing new opportunities. We’ll help tailor a loan to fit your goals.
Line of Credit
Think of it as a safety net for your business. Draw funds whenever you need them and only pay for what you use—perfect for handling unexpected expenses or keeping cash flow steady.
Working Capital
Quick financing to cover day-to-day expenses like payroll, rent, or inventory. Working capital loans help you maintain smooth operations while focusing on growth.
Why Choose Us?
A Leading Lending Partner Across the Country.
Our team offers professional advice to help businesses of all sizes thrive. With expertise in tax, financial planning, and compliance, we guide you through every challenge, ensuring your business stays on track for long-term success.
With years of experience, we specialize in simplifying complex financial processes, offering solutions that meet your needs. Our commitment to accuracy, transparency, and personalized service ensures your business is in safe hands.
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Experience
Frequently Asked Questions
We understand that navigating the financial world can be complex, which is why we've compiled answers to some of the most common questions about our services. Whether you're interested in credit enhancement, SBA financing, Bookkeeping, Credit card processing, or Digital marketing through Google and Meta (Facebook/Instagram), we're here to help your business thrive. If you need further assistance, feel free to reach out!
How do I apply for a business loan with Bluegrass Lending?
Applying is simple:
- Fill out our secure online application.
- Provide your past 4 months of business bank statements.
- One of our representatives will review your application and contact you to discuss funding options.
What do I need to qualify for a business loan?
- Minimum 600 FICO score: baseline requirement to qualify.
- At least 1 year in business: ensures business stability.
- Proof of consistent revenue: shows ongoing financial health.
- Past 4 months of business bank statements: supporting documentation for revenue proof.
- Completed application: final step after all qualifications and documents are ready.
Our team may request additional documents depending on the funding program.
How long does the process take?
Most loans are reviewed and funded within 24–48 hours, once all documents are submitted.
How do I get started with SBA Financing through Bluegrass Lending?
To start the SBA financing process, follow these simple steps:
- Consultation: Reach out to us to schedule an initial consultation where we’ll review your business needs and goals.
- Document Collection: We’ll guide you on the necessary documentation, such as tax returns, financial statements, and business plans.
- Application Review: Our team will review your application to ensure it meets SBA requirements and increase your chances of approval.
- Ongoing Support: We assist you throughout the entire process, from application submission to loan approval.
We’ll walk you through every step, making sure your business is ready to secure SBA financing.
What are the requirements for SBA Financing?
The Small Business Administration (SBA) provides loans to help small businesses grow. To qualify for SBA financing, your business must generally meet the following requirements:
- Size Standards: Must be classified as a small business by SBA standards.
- Creditworthiness: A solid personal and business credit history is required.
- Business History: Typically, a minimum of two years in business is required.
- Repayment Ability: Demonstrated ability to repay the loan based on business income and cash flow.
- Collateral: SBA loans can require collateral to secure the loan.(Amounts higher than 500K)
- Legal Structure: Your business must be legally registered, such as an LLC, Corporation, or Sole Proprietorship.
We can guide you through the SBA financing process, helping you understand what’s required and improving your chances of approval.
How secure is my business data with your services?
We take data security seriously. Whether it’s your financial records, customer payment data, or marketing information, we implement advanced encryption and adhere to strict industry standards to protect your information. We comply with all relevant laws and regulations, including data protection laws like GDPR.
“Shaun at Bluegrass has helped me out with a few different financing deals. He has always had great communication, professionalism, and takes the time to understand my needs before making a recommendation.” - David W.
“One of the best!” - Andrew Newton
“Very professional and exceptional customer service. Christian was very helpful and walked me through the process of getting my small business the funds it needed. Highly recommend this company.” - Andres Ruiz-Sanchez
What Business Owners Are Saying
At Bluegrass Lending, our clients are the reason we do what we do. We know that access to capital is essential for growth—whether it’s upgrading equipment, expanding into new locations, or simply covering everyday expenses. That’s why we provide flexible financing solutions beyond what traditional banks typically offer.
From family-owned restaurants and medical practices to contractors and local retailers, we’re proud to serve a wide variety of businesses. No matter the industry, we focus on building strong, lasting partnerships—because when our clients succeed, we succeed too.
Trusted and Verified
From industry accreditation to hundreds of positive customer reviews,
Bluegrass Lending is proud to be recognized as a trusted partner for small businesses.
