“A big contract was on the line and I needed equipment money quickly. Top Stone came back with three competing offers before the end of the next day.”
Nathan B.
Owner, Commercial HVAC · TX
$185K Equipment Loan
The Choice of 5,000+ Companies
Small Business Capital,
Tailored to Your Goals
From SBA loans and credit lines to MCA and working capital — submit a single application and connect with the right financing in days rather than months.
Protected Application
Marketplace, Not a Direct Lender
No Obligation to Accept an Offer
$2B+
Capital Deployed
5,000+
Companies Backed
75+
Lenders
4 years
In Business
Financing That Grows Alongside You
Explore our full range of loan options and pinpoint the one that matches what your business needs right now.
Up to $5M
SBA 7(a) Loan
An SBA-backed financing option for eligible working capital, equipment, acquisitions, and real estate, subject to SBA rules and lender underwriting.
- Up to 25-year terms
- Rates subject to SBA maximums
- Equity injection varies by transaction
Up to $5M / $5.5M
SBA 504 Loan
Long-term financing for eligible major fixed assets through a Certified Development Company and a third-party lender.
- 10, 20, or 25-year CDC terms
- Fixed-rate CDC portion
- Borrower contribution varies
Up to Varies
Line of Credit
Revolving business credit that may be drawn, repaid, and drawn again, subject to the lender's limit and agreement.
- Revolving credit
- Draw subject to an approved limit
- Terms vary by lender
Up to Varies
Working Capital
Financing used for short-term operating costs, with structure, pricing, repayment, and eligibility set by the lender.
- Short-term operating needs
- Multiple financing structures
- Terms vary by lender
Up to Varies
Merchant Cash Advance
A purchase of future receivables with remittance, reconciliation, cost, and security terms controlled by the provider agreement.
- Future-receivables purchase
- Remittance terms vary
- Review total cost carefully
How It Works
A simplified path built to put capital in your hands sooner.
01
Submit Your Details
Fill out our protected application in just 5 minutes. We run a soft credit check only.
02
Find Your Match
We compare your profile with the criteria of independent lenders in our network.
03
Weigh Your Options
Examine rates, terms, and amounts side by side with a dedicated advisor.
04
Receive Your Funds
Pick the offer that works best and see funds arrive in as little as 24 hours.
Estimate Your Payments
Adjust the sliders to see how loan amount, term, and interest rate affect your monthly payments.
$250,000
$10k$5M
7.50%
5.5%14.0%
10 Years
1 Yr25 Yrs
Estimated Monthly Payment
$2,968
Total Principal
$250,000
Total Interest
$106,105
* This calculator is for estimation purposes only. Actual rates and payments may vary based on lender approval and your credit profile.
EducationCA
$175K
1 day8 offers weighed
Restaurant GroupPA
$150K
1 day5 offers weighed
Specialty ContractingTX
$200K
4 days6 offers weighed
ConstructionMN
$115K
1 day2 offers weighed
HealthcareFL
$123K
2 days4 offers weighed
TransportationNY
$100K
1 day5 offers weighed
* Drawn from anonymized records of funded businesses spanning 35 states.
Why Choose Top Stone Lending
We stand in your corner throughout the lending marketplace.
Your Data Stays Safe
We encrypt every piece of your private information and never sell it to outside parties.
Quick Approvals
Our technology pairs you with lenders in moments, accelerating the approval process.
SBA Specialists
With a focus on SBA loans, we deliver some of the most competitive rates on the market.
Single Application
One submission can be considered across relevant financing options in our lender network.
Hands-On Support
Dedicated advisors stay with you through each phase of securing your funding.
Zero Hidden Costs
Pricing stays clear and upfront. We earn only once your loan is funded.
Testimonials
Stories from funded businesses
Real owners. Real loans. Real outcomes — across every industry, every state, every stage of growth.
“Two banks had already passed on me. The advisor at Top Stone paired me with an SBA lender who actually gets how restaurants operate.”
Gabriela R.
Owner, Neighborhood Trattoria · FL
$240K SBA 7(a)
“Everything was laid out plainly — no surprise fees, no switching terms at the last minute. I understood the real cost before I ever signed.”
Devon K.
Founder, Regional Logistics · GA
$95K Working Capital
“We opened our second studio half a year early because Top Stone surfaced a credit line I had no idea we'd qualify for.”
Priyanka S.
Co-owner, Wellness Studio · CA
$120K Line of Credit
“Cash hit my account in a single day. I've used two other brokers before — this was a completely different level of speed and service.”
Marcus W.
Owner, Auto Service Center · OH
$60K MCA
“My advisor talked me through each offer and helped me choose the structure that kept my cash flow intact. You rarely get that kind of guidance.”
Aisha M.
CEO, Creative Agency · NY
$150K Term Loan
“My revenue is seasonal and I worried about repayment. Top Stone matched me with a lender that built real flexibility into the terms.”
Travis P.
Owner, Landscape & Hardscape · MN
$85K Working Capital
“We redid the whole café without crushing daily payments. The advance they found lined up with our weekly sales rhythm.”
Sofia G.
Owner, Specialty Roastery · WA
$70K MCA
“I braced myself for a hard sell. Instead I got a genuine breakdown of which products fit my business. That was a pleasant surprise.”
Brendan T.
Founder, DTC Brand · CO
$220K SBA 7(a)
“I had doubts about handling this online. The advisor assigned to me made it feel just like working with my old local banker — only quicker.”
Rachel D.
Owner, Animal Hospital · VA
$310K SBA 7(a)
“I lined up four offers side by side in their portal and picked the one that trimmed roughly twelve thousand off my interest over the term.”
Kevin L.
Co-owner, Commercial Print · IL
$95K Term Loan
“Covering payroll while waiting on slow-paying invoices used to wreck my sleep. Now there's a credit line sitting ready whenever I need it.”
Monica H.
Owner, IT Consultancy · MA
$200K Line of Credit
“This was my first commercial property purchase. SBA 504 is a maze, but my Top Stone advisor kept the whole thing organized and moving.”
Carlos V.
Owner, Collision Center · AZ
$640K SBA 504
“They flat-out told me when one product wasn't a fit and pointed me somewhere better. That honesty is exactly why I keep coming back.”
Hannah P.
Owner, Artisan Bakery · OR
$45K MCA
“Soft credit check, real offers in a couple of days, money wired by Friday. It went exactly the way they said it would.”
Andre C.
Owner, General Contracting · NC
$130K Working Capital
“I'm now on my third loan with Top Stone. Every time it's the same steady, well-prepared advisor experience.”
Lauren F.
Owner, Boutique Fitness · TN
$80K Term Loan
Testimonials reflect the experiences of individual borrowers and are not a guarantee of future results. Names abbreviated for privacy.
Discover Your Funding Options
Begin your business's next chapter today. The process takes under 5 minutes and leaves your credit score untouched.
- Soft credit check only
- Line up multiple offers side by side
- A funding advisor dedicated to you
- Funding in as little as 24 hours
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