Des Moines Business Loans

Looking for des moines ia financing for small business? You’re in the right place. We provide fast, flexible capital for local companies across Polk County and beyond. Whether you want to smooth cash flow, upgrade equipment, or jump on a growth opportunity, our Des Moines business loans make it simple to apply and move forward.

Des Moines Business Loans

Need funds quickly? Our platform makes Quick business loans Des Moines straightforward. Apply online in minutes, compare multiple offers, and choose terms that fit your cash cycle. If you prefer Online business loans Des Moines for speed and convenience, we’ve built the process to keep you moving no lengthy bank visits, just clear options and fast decisions.

From same-week working capital to larger projects, we tailor solutions for startups and established firms alike. If you’re exploring small business loans in des moines iowa for inventory, payroll, vehicles, or renovations, we’ll help you match the right product to your plan.

Minimum Requirements for Business Funding in Des Moines

To qualify, your business should meet these basics:

Minimum Revenue	$10,000 / month
Length in Business	5 months or more
Ownership %	Minimum of 51% Ownership
Personal Credit	US FICO 500+

Types of Small Business Loans in Des Moines

Small Business Loan

Straightforward term funding with predictable payments ideal for upgrades, hiring, or opening a second location.
Best for: planned projects with clear budgets.
Typical amounts: $25k–$500k.
Time to funding: as fast as a few business days once docs are in.

Merchant Cash Advance

Funding that tracks your card sales, useful when revenue swings and you need speed more than structure.
Best for: restaurants, retailers, salons with steady card volume.
Repayment: a small, agreed-upon % of daily card receipts so it flexes with sales.
Upside: minimal paperwork, quick approvals.

Business Line of Credit

Draw, repay, and draw again. Handy for short-term gaps, seasonal inventory, or surprise repairs.
Best for: cash-flow management and “just-in-case” capital.
How it works: interest only on what you use; reuse the line without reapplying

Collateral Loans

Leverage equipment, vehicles, or property to access larger amounts or lower rates when you’re scaling.
Best for: big purchases, remodels, or refinancing higher-cost debt.
Examples of collateral: trucks, CNC machines, titled equipment, real estate.

Bad Credit Business Loans

Less-than-perfect credit? We focus on revenue, trends, and cash flow to find an option that still works.
Best for: owners rebuilding credit who need working capital now.
What helps: strong recent deposits, steady monthly revenue, and clear use of funds.

Des Moines Loan Services

We know central Iowa markets can change fast. Our team pairs local insight with flexible underwriting so you can respond quickly. You’ll see side-by-side offer terms, repayment options that match your cash cycle, and support from application to funding.

Use financing for working capital, marketing pushes, fleet additions, or build-outs. The application is digital, document upload takes minutes, and most decisions arrive quickly so you can stay focused on operations.

Who We Serve

Frequently Asked Questions

What is the process for getting a business loan in Des Moines?

Apply online, link recent bank statements, and upload core docs (government ID, EIN/SSN, voided check). We underwrite quickly, show side-by-side offers, and fund after final verifications often in 24–72 hours.

What are the repayment terms for a business loan?

It depends on the product. Term loans usually run 6–36 months with fixed weekly or monthly payments. Lines of credit accrue interest only on what you draw and can be reused. Merchant cash advances flex with daily card sales. Many options have no prepayment penalty, and early-pay discounts may be available.

Can I apply for a business loan if my credit score is low?

Yes. We weigh revenue, time in business, and cash flow not just credit. Collateral-backed options and advances on card sales can work for lower scores. Strong recent deposits, few NSF/overdrafts, and a dedicated business bank account improve approval odds.

What are the eligibility requirements for a business loan in Des Moines?

Most approvals require: 5+ months in business, $10,000+ in monthly revenue, 51% ownership, a US FICO 500+, and an active business bank account. Typical documents: ID, EIN/SSN, last 3–6 months of bank statements, and a voided business check. Certain restricted industries may not qualify.

Des Moines Business Loans