About Pioneer Business Finance
Most owners ask for funding too early or too late. We help with the timing.
Pioneer Business Finance works with businesses at every stage, and especially the ones still building a record.
Why the stage matters
We are not a lender. Your application goes to our funding partner and through it to a network of lenders and funding providers who make the offers. Our part is the map: knowing which doors are usually open to a business of your age, and which are worth waiting for.
Young businesses hear no more often than they should, usually because they asked the wrong lender for the wrong thing. A six-month-old café asking for a five-year term loan will be turned down. The same café asking for an advance against its card sales may not be.
We work only with businesses and do not arrange personal or consumer loans. There is no phone queue: the application is the way in, and a specialist comes back to you.
Field notes
Four habits that make the next application easier
None of these costs anything, and each one shortens the distance to the next marker.
- Separate the money
- Run the business through a business account, and only the business. Mixed accounts are hard for anyone to read.
- Borrow for a job
- An amount tied to something specific, like an order, a machine or a season, is easier to approve and easier to repay.
- Keep the paperwork current
- Recent statements, a voided check and photo ID cover most of what a lender asks for after the application.
- Say what is unusual
- A slow quarter with a reason is a conversation. A slow quarter with no explanation is a question mark.
The application
Begin your application
About two minutes: how much, how to reach you, and how long you have been trading. Free to send, and nothing is agreed until you accept an offer.
The application is the way in, and it takes about two minutes.
