01 / Business loan marketplace
From application to answer. As little as 24 hours.
Timing varies by lender and file.
Answer the questionnaire, compare your lender matches, and send documents straight to the lender you choose.
Illustrative. Available lending paths and any offers depend on the file and underwriting.
One profile · Curated provider network · Free to apply · No obligation
01 / How it works
01
One short intake in the Nex portal. No lender-by-lender forms.
02
Lenders that fit the file, side by side — you pick the one to proceed with.
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Your file goes straight to the lender you chose. Approvals land in as little as 24 hours.
Your credit is only checked when you send your application to the lender you choose.
01 / Loan families
The right structure depends on what the capital must do, when it is needed, how the business earns, and what can support the request.
Product 02
Finance new, used, or privately sold equipment while keeping operating cash available for the rest of the business.
Nex also arranges sale-leasebacks, equipment refinance, and repair financing — each shaped by the asset, the deal, and the business behind it.
Sample payment only, using a 60-month amortization at 8% APR. Actual terms vary.
Product 03
Convert eligible unpaid invoices into operating cash instead of waiting through the full customer payment term.
The factor advances part of the invoice, collects from your customer, then pays the rest — less its fee, as low as 1%.
You bill an approved business customer.
The factor advances an agreed share.
You receive the reserve, less the agreed fee.
04 / Industry fit
Nex works across asset-heavy, recurring-revenue, and inventory-led businesses. Fit is assessed from the business profile, use of funds, repayment capacity, and available support—not the industry label alone.
05 / On the record
On the record
Straight answers on amounts, speed, cost, and what we need from you.
Business loans are the primary route, followed by equipment financing and invoice factoring. Nex reviews the business and funding purpose before identifying suitable commercial-finance paths.
Timing depends on the business, asset, seller, required documents, and whether an inspection or appraisal is needed. Nex confirms the expected sequence after reviewing the initial application.
Available amounts depend on the product, business cash flow, time in business, security, asset, or eligible receivables. Any final amount and structure remain subject to underwriting.
Factoring rates run as low as 1% of invoice value, depending on your monthly volume and customer quality. Factoring over $500K a month? Ask our factoring specialist for a bespoke rate.
Yes. Nex Financial finances used equipment and private-party purchases, including sale-leaseback structures that convert equipment you already own into working capital.
Your credit is only checked when you send your application to the lender you choose. We collect your application first, discuss the deal with you, and review credit only once you agree to proceed with a lender match.
Smart Apply starts with the funding need, a concise business profile, and contact details. Nex may request relevant financial statements, identification, or asset documents after reviewing the request.
Business loans continue in the Nex application portal. Equipment financing and invoice factoring finish right here on-site.
Start my application