If you’re new to Winchester Funding Solutions or exploring funding options for your business, this guide will help you learn more about our services and how we can support your growth.
We are a local business lending broker that connects small businesses with funding solutions tailored to their needs.
We offer term loans, SBA loans, business lines of credit, equipment financing, invoice financing, working capital, merchant cash advances, and more.
Our financial advisors assess your business needs, revenue, and goals to recommend the best financing option.
You can apply online through our website by providing basic business and financial details. A funding specialist will then contact you.
A soft credit pull is performed initially, which does not impact your score. A hard inquiry may be required during final approval.
No, there are no application fees. Costs depend on the loan terms and lender policies.
We offer faster approvals, flexible terms, and a higher approval rate than traditional banks, which have stricter lending requirements.
Yes, we use industry-standard encryption and security measures to protect your data.
No, applying through Winchester Funding Solutions won’t negatively impact your credit unless a hard inquiry is performed.
Qualifications vary by loan type, but common factors include time in business (4+ months), monthly revenue ($10,000+), and credit score (600+).
Depending on the product, approvals can be received within a few hours.
Typically, you’ll need bank statements, financial statements, tax returns, and business identification.
Yes, startups may qualify for specific funding options like SBA loans, equipment financing, and business lines of credit.
Yes, we work with businesses across various industries, including retail, healthcare, construction, manufacturing and more.
Some products require a soft credit pull, while others require a full credit check.
Paying bills on time, reducing debt, and maintaining a good credit utilization ratio can improve your score.
A term loan provides a lump sum of capital that is repaid over a fixed period with regular payments.
Most lenders prefer a credit score of 600+, but options are available for lower scores.
Repayment terms typically range from 1 to 10 years, depending on the loan amount and lender.
Yes, but some lenders may charge prepayment penalties. Check your loan agreement for details.
We offer SBA 7(a) loans, SBA 504 loans, and SBA Express loans.
The process takes 30–90 days, depending on the loan type and documentation requirements.
Yes, but you may need strong personal credit and collateral. SBA loans are generally more accessible for existing businesses.
Typically, businesses must be operational for at least 2 years, have a credit score of 650+, and demonstrate financial stability.
SBA 7(a) loans are versatile for working capital and expansion, while SBA 504 loans are used for purchasing real estate or equipment.
A business line of credit allows you to borrow funds up to a set limit, repaying only what you use with interest.
Rates vary based on creditworthiness but typically range from 7% to 25%.
A term loan provides a lump sum with fixed payments, while a line of credit is flexible and can be used as needed.
Yes, you can withdraw funds as needed, as long as you don’t exceed your credit limit.
Almost any business equipment, including machinery, vehicles, and technology, can be financed.
Yes, many lenders allow financing for used equipment, provided it meets certain conditions.
The equipment itself often serves as collateral, so additional assets may not be required.
You are still responsible for payments, but warranties or maintenance plans may be available.
You sell unpaid invoices to a lender at a discount to receive immediate cash.
Funds are usually available within 24–48 hours of approval.
Typically, 80–90% of the invoice value is advanced upfront.
You may be responsible for repayment, depending on whether the financing is recourse or non-recourse.
These loans cover everyday business expenses like payroll, rent, and inventory.
Repayments can be daily, weekly, or monthly, depending on the lender.
Funds can be available in as little as 24 hours.
You can qualify for our top financing options with as little as 3+months in business.
The minimum revenue to qualify for financing options are $5K per month, or $60K in annual gross sales.
We have financing options for all credit profiles. There is no minimum FICO score required to apply.
Satisfied Customers
Working with Winchester Funding Solution was a game-changer for my business. I was struggling to secure funding through traditional banks, but they found the perfect loan with great terms that fit my needs. The process was fast, smooth, and stress-free. Thanks to their expertise, I was able to expand my operations and increase revenue. Highly recommended!
Jason D - Small Business Owner
I was hesitant about applying for a business loan, but Winchester Funding Solution made the process incredibly easy. They explained all my options, handled the paperwork efficiently, and secured a loan with a great interest rate. Because of their help, I was able to purchase new equipment and grow my business faster than I expected. I highly recommend their services!
David T - Independent Contractor
Get your money and grow your small business faster.
Winchester Funding Solutions
1855 Senseny Road, Unit 14, Winchester VA 22602
(855) 599-0688
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