GOVA

Tailored Loans
Options For Small
Business Owners

Short Term Business Loans
Business Line of Credit
Working Capital Loans
SBA Business Loans
Same Day Business Loans
Real Estate Business Loans
Equipment Cash Advance
Revenue Based Financing (Non-Loan Product)
California Business Loans
Unsecured Business Loans

Small Business Loan Overview

Estimated Business Loan Term:3 to 36 months
Rates:5% to 49%*
Time in Business Required:4 Months
Min Credit Score Required:500
Min Monthly Deposits Required:2
Min Monthly Revenues:$10,000
Min Business Loan Amount:$5,000
Max Business Loan Amount:$1,000,000
Max Number of Negative Days:6 Within a Month

*Rates depend on duration of funding

Comparing Your Small
Business Loan Options in 2025

For almost 20 years, Gova Funding has helped thousands of small and medium-sized businesses get the financing they need to grow. Unlike other lenders, we match you with the best funding options from our trusted network—without endless broker calls or unnecessary credit checks. From short-term loans to flexible working capital, we cover nearly every solution in the industry. With an A+ BBB rating, glowing reviews, and a process designed for speed and simplicity, Gova Funding makes getting the money your business needs fast, affordable, and stress-free.

Short Term Business Loans

Short term business loans are for business owners that are looking for immediate funding that will be paid back over a short period.

Loan Term:6 to 36 months
Rates:12% to 36%*
Min Credit Score:650
Min Loan Amount:$5,000

*Rates and fee depend on the duration of funding

Bad Credit Business Loans

Bad credit business loans are for business owners with poor personal credit or weak business financials. This type of funding is designed to help.

Loan Term:3 to 18 Months
Rates:12% to 45%*
Min Credit Score:500
Min Loan Amount:$5,000

*Rates and fee depend on the duration of funding

Same Day Business Loans

Same Day Business Loans are designed to meet your urgent financial needs. With our streamlined application process, various options available.

Loan Term:3 to 36 Months
Rates:12% to 45%*
Min Credit Score:500
Min Loan Amount:$10,000

*Rates and fee depend on the duration of funding

Unsecured Business Loans

Unsecured business loans are a great option for small business owners that require funding for their business but do not want to provide collateral.

Loan Term:6 to 36 months
Rates:12% to 45%*
Min Credit Score:600
Min Loan Amount:$5,000

*Rates and fee depend on the duration of funding

Business Line of Credit

A business line of credit provides flexible access to funds that you can draw from as needed, making it perfect for managing cash flow.

Loan Term:3 to 36 Months
Rates:8% to 25%*
Min Credit Score:600
Min Loan Amount:$10,000

*Rates and fee depend on the duration of funding

Equipment Financing

Equipment financing helps you purchase or lease equipment for your business with flexible payment terms and competitive rates.

Loan Term:1 to 7 Years
Rates:5% to 15%*
Min Credit Score:600
Min Loan Amount:$5,000

*Rates and fee depend on the duration of funding

California Business Loans

Specialized business loans designed for California businesses with competitive rates and flexible terms that understand the unique needs of the California market.

Loan Term:6 to 60 months
Rates:8% to 30%*
Min Credit Score:600
Min Loan Amount:$10,000

Direct Lending Made Simple for Small Businesses

Work directly with lenders without the hassle of brokers. Get competitive rates and fast approval for your business funding needs.

SBA Business Loans

SBA loans are government-backed loans that offer some of the most competitive rates and terms available. These loans are ideal for established businesses looking for long-term financing.

  • Low interest rates starting at 2.5%
  • Long repayment terms up to 25 years
  • Loan amounts up to $5 million
  • Government guarantee reduces lender risk

Bank and Credit Union Business Loans

Traditional bank loans offer competitive rates and terms for businesses with strong credit profiles. These loans are ideal for established businesses with consistent revenue.

  • Competitive interest rates
  • Flexible repayment terms
  • Relationship-based lending
  • Additional banking services

Frequently Asked Questions

Origination Fee

A one-time fee charged by the lender for processing your loan application, typically 1-6% of the loan amount.

Application Fee

A fee charged to cover the cost of processing your loan application, usually ranging from $25 to $500.

Late Payment Fee

A fee charged when a payment is made after the due date, typically $15-$50 or a percentage of the payment.

Pre-payment Fee

A fee charged for paying off your loan early, though many lenders don't charge this fee for business loans.

Let our customers speak
for us...

Erik Kior
Erik Kior

I can't thank Michael....

I can't thank Michael enough, he guided me through the entire process with patience and care. It honestly felt like working with a close friend who wanted the best for my business.

Alda Olm
Alda Olm

Jenifer made everything

Jenifer made everything so simple and stress free. She explained each step clearly and always made sure I was comfortable before moving forward. Truly professional and caring.

Jordan Barker
Jordan Barker

I was blown away by......

I was blown away by how supportive David was. He helped me far more than just a client and made sure I understood all the details of my funding options.

Ready to get your business funded?

Join thousands of businesses that have already secured funding through our platform. Get started today with a simple application.