Rapid Response Loan Program

Up to $10,000, no collateral required.  Get your approval in two business days!

If you’ve been in business for at least one year and have a solid credit history (credit score of 650 or more), you may be eligible for our new Rapid Response loan program.  Borrow up to $10,000 at a fixed rate (5.0% or 7.75%) for three years, no collateral required.

Get a decision in two business days or less!

Up to $10,000

Fixed rate for three years

Decision in 48 hours

No collateral required

No fees or pre-pay penalties

Have an opportunity you want to jump on?  Need some working capital to cover your accounts receivable?  Or maybe you want to pay down a high interest loan. Whatever your situation may be, we understand that access to capital is critical to the success of your business.

That’s why we’ve launched the Rapid Response program – designed to provide strong small businesses with quick, easy and affordable access to working capital.


  • In business for at least one full year.
  • Personal credit score of 650 or over

Simple application requirements

  • Completed loan application
  • One year – personal tax return
  • One year – business tax return

Ready to get started?

Take the first step by completing the following five-minute online Rapid Response Pre-Qual Application. Have your latest business tax return ready to be uploaded and you’ll hear from us in 24 hours with an initial assessment of your application. (If you can’t upload your tax return, please call us at 908-527-1166 for instructions).

If you are pre-qualified, we’ll ask you to complete a simple loan application. Our final decision will be based on the complete application package and you’ll get our decision within two business days!