Utah is home to 340K+ small businesses — from tech startups in Silicon Slopes near Provo to outdoor recreation companies in Salt Lake City and financial firms in Ogden. When traditional banks say no, The Broker Shop matches you to the funders whose guidelines you already meet. Pre-qualify in 2 minutes. Get funded in 24 hours.
No bank bureaucracy. No weeks of waiting. Just a clear, fast path to the capital your business needs.
Tell us about your business and what you need. Free to apply. Zero commitment, zero pressure.
We match you to the funders whose guidelines you already meet, so you see real offers you actually qualify for.
Pick the offer that fits. We handle the paperwork. Funds hit your account — often the same day you're approved.
One application is matched to the funders that fit your business. We negotiate, follow up, and handle the paperwork. You just pick your offer.
See your real funding options without any impact to your credit score. We evaluate your business on revenue, time in business, and potential.
We're paid by the funder when you fund — which means we're incentivized to find you the best deal. Your success is our business model.
MCA, SBA, term loans, lines of credit, equipment financing, invoice factoring — we match you to the right product for your situation.
Pickleball is the fastest-growing sport in Utah and across America — from Salt Lake City to St. George, pickleball is one of Utah's most-played outdoor sports year-round. The Broker Shop is a proud 2026 sponsor of the Association of Pickleball Players Tour, the pro circuit putting world-class pickleball in front of the same small business communities we fund every day. From Salt Lake City to Orem, we invest in the leagues, players, and communities where our customers live and work.
From Salt Lake City to Provo, we work with small business owners across Utah's most active industries: tech, tourism, outdoor recreation, manufacturing, aerospace, and healthcare. Whether you're a restaurant in Salt Lake City, a contractor working multiple counties, or an online business shipping out of a West Valley City warehouse, you're matched to the funders most likely to fund your exact situation.
We fund every county and zip code in Utah. The cities above are where most of our recent files have come from, but small businesses anywhere in the state can pre-qualify in 2 minutes with a quick application.
Utah's economy runs on these sectors, and each one has its own seasonal cash-flow rhythm and capital needs. Restaurants in Salt Lake City face different funding pressures than tourism operators in Provo. We route every Utah file to specialty funders who underwrite that specific industry.
Local banks in Utah have tightened underwriting. Owners in Salt Lake City, West Valley City, and across the state are hearing "no" on the same files that funded easily three years ago. That is not an Utah problem; it is a national banking shift. The Broker Shop exists to fill the gap.
We match Utah businesses to the funders whose guidelines they meet — banks that have not pulled back, alternative funders who specialize in your industry, and specialty funders for newer businesses or owners with credit challenges. One application. Offers in 24 hours. Funded in 24-72 hours for most products. No application fees, no broker fees, $0 cost to you. The funder pays our commission only if you accept and close their offer.
Every industry has unique cash flow challenges. We speak your language.
Runway extension, product development, and scaling capital for Utah's booming Silicon Slopes tech scene.
Equipment, inventory, and expansion capital for Utah's world-class outdoor recreation businesses.
Capital for Utah's growing financial services, insurance, and professional services sector.
Equipment upgrades, seasonal slowdowns, and expansion capital without the long bank wait.
Fund materials, payroll, and equipment for Utah's rapidly growing construction sector.
Inventory financing, holiday stock-up, and expansion capital when you need it most.
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.
Still not sure? Call us. We're real people who actually pick up.
No. Pre-qualifying to see your options won't affect your credit score. Nothing is finalized unless you choose to move forward with a specific offer.
We work with funding from $5,000 to $2 million. The amount depends on your monthly revenue, time in business, and the type of funding.
We work with business owners across the credit spectrum. Many funders focus on business performance — monthly revenue and time in operation — not just credit.
Absolutely nothing. Our service is 100% free to you. We're compensated by the funder when your deal closes.
Many clients receive approval within hours and funds within 24 hours. Same-day funding happens regularly.
Merchant Cash Advances, Business Term Loans, Lines of Credit, SBA Loans, Equipment Financing, Invoice Factoring, and Revenue-Based Financing.
Utah's commercial financing law is the Commercial Financing Registration and Disclosure Act, codified at Utah Code Title 7, Chapter 27 and enacted by SB 183 in the 2022 general session. Its two operative provisions took effect January 1, 2023. The act does two things: it makes funders register with the Utah Department of Financial Institutions, and it makes them hand you a written cost disclosure before the deal is consummated.
Section 7-27-202 sets out exactly what that disclosure has to contain, and it is a short, checkable list: the total amount of funds provided, the amount actually disbursed if that is less, the total amount you will pay back, the total dollar cost of the financing (the difference between what you get and what you repay), the manner, frequency and amount of each payment, and a statement of whether prepayment carries any cost or discount — with a pointer to the paragraph of the agreement that creates it. If your payment amount can vary, the agreement must also describe the methodology used to calculate it.
What is not on that list is just as informative: Utah does not require an APR. California, New York and Virginia ask providers to state an annualized rate; Utah asks for the total dollar cost and the payment structure instead. For an owner comparing offers that is arguably the more useful number, because the total dollar cost is a figure you can act on without doing any conversion math. Our guide to state commercial financing disclosure laws sets Utah's version against the other states that now have one, and the Virginia sales-based financing disclosure law is the closest contrast — same idea, opposite choice on APR.
Providers, not brokers. Under Utah Code 7-27-201, anyone who consummates more than five commercial financing transactions in Utah in a calendar year must register with the Department of Financial Institutions and keep that registration valid. Registrations and renewals expire on December 31 every year, so the obligation is annual rather than one-and-done.
The registration statement is not a formality. A provider has to give the department its principal office address, every Utah office it operates from, a Utah agent for service of process, and a disclosure of any conviction for fraud, dishonesty, breach of trust or money laundering involving the company or its officers, directors, managers or the employees running that line of business. Applicants must also be registered with the Nationwide Multistate Licensing System and Registry. A funder that ignores the requirement and does not cure it within 30 days of written notice faces a $500 administrative fine for each Utah office it operates from.
Brokers are defined in the statute — a person who, for compensation, obtains a binding financing offer from a third party and communicates it to a Utah business — but Part 2's registration duty is written around providers. That is the main structural difference between Utah and its neighbours in this area: Virginia and Texas extend registration to the broker arranging the deal, while Utah leaves the obligation with the funder putting up the money. Either way, the practical step for a Utah owner is the same — ask which entity is the provider on your deal, and confirm its registration with the department directly rather than taking it on trust from an email.
The act reaches business-purpose commercial loans, commercial open-end credit plans, and accounts receivable purchase transactions — the category a merchant cash advance and most invoice factoring arrangements fall into. Section 7-27-102 then carves out a specific list, and two of the carve-outs matter most to ordinary small businesses.
The first is size. Any commercial financing transaction of more than $1,000,000 sits outside the act entirely, so a larger facility does not come with the state-mandated disclosure. The second is security: a transaction secured by real property is excluded, which takes commercial mortgages out of scope. True leases and purchase-money obligations are excluded as well, as are depository institutions and their regulated subsidiaries, money transmitters, Farm Credit lenders, and any funder that does five or fewer Utah deals in a 12-month period.
When a product falls outside the act, ask for the same six things in writing anyway — amount funded, amount disbursed, total repayment, total dollar cost, payment size and frequency, and how prepayment is treated. Any funder worth working with will put those on paper without an argument, and it is the fastest way to compare a business term loan against an advance. It is also worth knowing the limits of the act: enforcement runs through the department, with civil penalties of $500 per violation capped at $20,000 (rising to $1,000 per violation and a $50,000 cap after written notice of a prior violation), the statute creates no private right of action, and a violation does not make the underlying agreement unenforceable. The disclosure is a shopping tool, not a remedy — which is exactly why reading it before you sign is the part that pays.
Sources: Utah Code Title 7, Chapter 27 — Commercial Financing Registration and Disclosure Act (§§ 7-27-101 through 7-27-301; enacted by Chapter 449, 2022 General Session) · Utah Department of Financial Institutions — Commercial Financing. This page is general information about Utah disclosure requirements, not legal advice.
Common questions from Utah small business owners about getting funded fast.
Utah small businesses can apply through The Broker Shop in 2 minutes to pre-qualify. We connect you with the right funders that actively fund Utah businesses. Once you submit your information, we match you with the best options for your revenue, time in business, and funding goal. Most Utah clients receive same-day or next-business-day approval.
Yes. Merchant cash advances are legal in Utah and across all 50 U.S. states. MCAs are structured as the purchase of future receivables — not as loans — so they operate outside traditional state usury laws. The Broker Shop works with licensed, compliant funding partners who serve Utah businesses following all applicable federal and state regulations.
Most of our Utah funders focus on monthly business revenue and time in business rather than personal credit score alone. Utah businesses with credit scores as low as 500 can qualify for merchant cash advances or revenue-based financing. A stronger credit score (650+) opens doors to business term loans, lines of credit, and SBA loans at better rates — but it's not a barrier to getting funded.
Very fast. Utah businesses applying through The Broker Shop typically receive approval within hours and funds within 24 hours of signing. Same-day funding is common for merchant cash advances and revenue-based financing. SBA loans take longer (1–3 weeks), but we'll be upfront about timelines for every product. We've funded Utah businesses for payroll, inventory, equipment, and emergency expenses — often within a single business day.
We fund Utah businesses across virtually every industry: restaurants, retail, contractors, healthcare providers, trucking companies, auto repair shops, salons, e-commerce sellers, and more. The minimum requirements are typically 6 months in business and $10,000+ in monthly revenue. Startups under 6 months old may qualify for equipment financing or SBA microloans — ask us about your options.
No. Our service is completely free to Utah business owners. We're compensated by the funder when your deal closes — which means we're incentivized to find you the best deal, not just any deal. You'll never receive a bill from us for consulting, applications, or introductions. If anyone claims to charge upfront fees to connect you with business funders, that's a red flag.
Yes. Under the Commercial Financing Registration and Disclosure Act (Utah Code 7-27-202), a provider must give you a written disclosure before the deal is consummated showing the amount funded, the amount disbursed, the total you will repay, the total dollar cost, the size and frequency of each payment, and whether prepayment carries a cost or a discount. Utah does not require an APR figure — it asks for the total dollar cost instead, which is the number to compare when a factor rate is quoted. The Broker Shop works exclusively with funders who comply with all Utah disclosure requirements.
Providers. Utah Code 7-27-201 makes it unlawful to engage in a commercial financing transaction as a provider in Utah without registering with the Utah Department of Financial Institutions, and a provider is anyone consummating more than five such transactions in the state in a calendar year. Registrations expire December 31 each year, so renewal is annual. Brokers are defined in the statute but, unlike in Virginia and Texas, are not required to register.
No. Section 7-27-102 excludes several categories, and two matter most to small businesses: any transaction of more than $1,000,000, and any transaction secured by real property. True leases, purchase-money obligations, depository institutions and their regulated subsidiaries, and funders doing five or fewer Utah deals in a 12-month period are also outside the act. When a deal is not covered, ask for the same cost figures in writing anyway.
The Broker Shop matches small businesses to the right funders in every state. Browse our regional coverage for your neighbors.