What we are — in one paragraph
The Broker Shop is a licensed small business loan and funding broker. We’re not a lender. We don’t hold your loan, set its rate, or service it after funding. What we do is shop your application across a curated network of vetted lenders — banks, alternative lenders, SBA preferred lenders, equipment-finance specialists —, then negotiate and present you with the strongest 2 to 3 offers. You pick the one you like; we close it.
The whole service is free to you. The lender pays our broker fee when your deal closes, the same way mortgage brokers and insurance brokers get paid. The factor rate or APR you see in the offer is the rate you sign. We can’t mark it up, even if we wanted to. Want the deeper version of how this all works? Read the full explainer.
Broker vs. direct — the actual difference
People sometimes ask why not just go to one bank or one MCA company directly. Here’s what changes when you do:
The short version: brokers don’t cost more — they usually cost less, because the competitive shopping forces the lender’s pricing down by more than the broker’s fee. Going direct is the equivalent of buying car insurance from one company without checking the others.
How it actually works — 3 steps
You apply (2 minutes)
One short form: business name, monthly revenue, time in business, funding need. Quick application, no impact on your score. No bank statements required to start.
Your file goes out
Within hours, your application goes to the lenders most likely to compete for your specific situation. Best-fit lenders return offers. We negotiate factor rates and terms.
You pick. We close.
We send you the strongest 2–3 offers in plain English. You pick. The chosen lender funds — 24 hours for MCAs, 3–7 days for term loans. You pay $0 to us; the lender pays our fee at close.
What you can fund through us
We work across the full small business funding menu. You don’t need to pre-decide which product fits — we match you to whichever option performs best for your situation. Each product below links to a deeper page, or read our full side-by-side comparison of all 7 funding options first.
- Merchant Cash Advance (MCA) — 24-hour funding, factor rate 1.30–1.49, credit from 500. Best for speed and bad-credit situations.
- Business Term Loans — 9–30% APR, 1–5 year terms, $25K–$500K. Best for planned, predictable spends.
- Business Line of Credit — revolving credit you draw against as needed. Best for ongoing or seasonal working capital.
- Equipment Financing — 7–25% APR, equipment as collateral. Best for vehicles, ovens, freezers, machinery, POS systems.
- SBA 7(a) and SBA 504 — 10–13% APR, 10–25 year terms, up to $5M. Cheapest capital available; takes 30–90 days. Best for acquisitions, expansion, real estate.
- Invoice Factoring — sell unpaid invoices for cash today. Best for B2B businesses with long payment cycles.
- Revenue-Based Financing — similar to MCA but with longer terms and flexible repayment scaling to your revenue.
Our lender network
Our network includes a mix of large national lenders, regional banks, alternative finance companies, and specialty lenders focused on specific industries (restaurants, trucking, contractors, healthcare, retail). Mixing those types is what makes the broker model work — one big lender can’t cover every situation, but a network of 50+ specialists can.
Industries we fund
We work with small business owners in nearly every industry. The most common we see weekly:
- Restaurants & food service — pizzerias, full-service, fast-casual, bars, food trucks
- Trucking and logistics — owner-operators to 50+ truck fleets
- Construction and contractors — GCs, roofers, HVAC, electricians, framers
- Auto repair and service — independent shops, multi-bay operations
- Salons, med-spas, and beauty — hair, nail, barbershops
- Retail and e-commerce
- Healthcare — medical practices, dental, veterinary
- Professional services — legal, accounting, consulting
Don’t see yours? See the full industry list or just apply — we work with ~95% of business types.
What we don’t do (and how to spot a bad broker)
What we don’t do — and what no legitimate broker should
- No upfront fees — not for application, not for “processing,” not for “underwriting.” If a broker asks for money before you fund, walk away. Always.
- No separate credit applications without your consent — we pre-qualify with quick applications. A formal approval happens only on offers you actively accept.
- No selling your data — your application is shopped only to lenders in our actual network. We don’t resell to lead-broker aggregators.
- No guaranteed approval — no honest broker can promise this. Anyone who does is either misinformed or lying.
- No pressure tactics — the offer is good for a few business days. We don’t force you to sign in 30 minutes.
- No hidden markup — the rate and terms on your offer are exactly what you sign. Our fee comes from the lender at close, not from your loan amount.
What our clients say
Honestly, getting funded through The Broker Shop was way easier than I expected. Smooth process, no headaches, super straightforward. Can’t recommend these guys enough!
Honestly didn’t expect it to go this smooth, but The Broker Shop came through fast. No back and forth, no chasing anyone down, they just got it done. If you need funding, these guys are the people to call.
Great company, even greater speed — requested funds in the morning, got them by 4pm. Hassle free, fast, efficient. Thank you.