SMB Capital Funding is a direct lender — we fund from our own book, up to $20 million. No brokers, no middlemen, no runaround. Decisions in hours, funds in as little as 24 hours.
60 seconds · No obligation · No hard credit pull
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Fast cash to cover operations, payroll, inventory, and growth. $5K–$500K, terms 3–24 months.
Learn more →Repay based on your daily revenue — no fixed monthly payment. Ideal for seasonal businesses.
Learn more →Fast working capital when you can't wait. Decisions in hours, funds as fast as same day for qualified applicants.
Learn more →Draw funds as you need them and only pay interest on what you use. Up to $250K revolving.
Learn more →Finance or lease equipment with the equipment itself as collateral. Up to $5M, 100% financing.
Learn more →Use residential or commercial property equity to access $100K–$2M in business capital. No minimum credit score required.
Learn more →No hard credit pull to check your rate. Same-day decisions on most applications. Funding as fast as 24 hours.
Check Your Funding Options →Complete our 2-minute application. No hard credit pull, no paperwork upfront.
Our underwriters review your file same day. Most decisions within hours.
Funds deposited directly to your business account — often same or next business day.
SMB Capital Funding is a DBA of CHC Capital Group. All funding products are subject to underwriting approval. Rates, terms, and availability vary based on business revenue, time in business, and creditworthiness. Funding as fast as same day is available for qualified applicants only and is not guaranteed. Not available in all states. This is not an offer of credit.
Business funding programs in every state — click yours for local options.
We fund businesses in every industry — select yours to see state-specific programs.
Browse our most searched business funding programs by product and state.
North Dakota is widely recognized as a business-friendly state, with approximately 78,000 small businesses operating statewide. The state economy is driven by energy, agriculture, technology, and more. North Dakota has one of the lowest unemployment rates in the U.S. and strong energy-sector incentives. For small business owners, this means a sizable local customer base and an established ecosystem of suppliers, workforce, and support services.
Small business formation is at record levels, with entrepreneurs starting ventures across every sector of the economy. In North Dakota, small business businesses must comply with standard business licensing, local permits, and industry-specific certifications. Most small business operators use funding to cover working capital needs, fund growth initiatives, purchase inventory or equipment, and bridge receivables. Whether you are located in Fargo, Bismarck, Grand Forks, Minot, or anywhere else in North Dakota, SMB Capital Funding provides real estate-backed loan designed specifically for small business businesses.
North Dakota sees $420 million in SBA-backed lending annually, with an average small business loan size around $180,000. Traditional bank approval rates hover near 51%, which is why many small business owners turn to direct lenders like SMB Capital Funding — where approval is based on revenue rather than credit score alone.
