Trusted Lending Partners
≈ 5 minutes
Downtown Memphis, TN
Metro Population
Small Businesses
GDP Growth (YoY)
Industries ServedStage 01
Startups Ventures
Get funding solutions designed for new businesses looking to establish operations, purchase equipment, and build momentum.
Memphis Business Funding Specialists
Fast Business Funding for Growing Memphis Companies
Access flexible financing, working capital, SBA loans, equipment financing, and lines of credit designed to help Memphis businesses scale with confidence.
- Trusted Lending Partners
- Multiple Funding Programs
- Fast Approval Process
- Memphis Business Specialists
Network Excellence
Trusted Lending Partners
Bluevine
OnDeck
Fundbox
Kabbage
Funding Circle
Credibly
Rapid Finance
National Funding
SBA Preferred Network
Verified Lender Access
Bank-Level Encryption
256-bit Security
A+ BBB Accredited
Trusted Reputation
4.9 / 5 Client Rating
Memphis Businesses
Loan Programs
Funding Solutions Built for Every Business
From SBA-backed loans to flexible working capital, we connect Memphis businesses with the right funding program for the right moment.
Most PopularLearn MoreLearn MoreLearn MoreLearn MoreLearn MoreLearn MoreLearn MoreLearn More
SBA Loans
Government-backed financing up to $5M with low rates and long terms for established businesses.
Amount
Up to $5M
Term
10–25 yrs
Working Capital
Flexible short-term funding to manage cash flow, payroll, inventory, and daily operations.
Amount
$10K – $500K
Term
3–24 mo
Equipment Financing
Finance machinery, vehicles, and equipment with the asset serving as collateral.
Amount
Up to $2M
Term
2–7 yrs
Business Line of Credit
Revolving credit you can draw from anytime — only pay interest on what you use.
Amount
$25K – $1M
Term
Revolving
Merchant Cash Advance
Fast funding repaid via a percentage of daily card sales — perfect for retail and restaurants.
Amount
$5K – $500K
Term
3–18 mo
Invoice Factoring
Convert outstanding invoices into immediate cash to keep operations running smoothly.
Amount
Up to $5M
Term
30–90 days
Startup Business Loans
Launch capital tailored for new ventures, with flexible underwriting and mentor support.
Amount
$10K – $250K
Term
1–5 yrs
Franchise Financing
Specialized funding to acquire, expand, or remodel a franchise with approved brand programs.
Amount
Up to $5M
Term
5–25 yrs
Not sure which program fits your business?
Speak with a Memphis funding specialist — free, no obligation.
Memphis, TN — City Insights
The Memphis Business Funding Landscape
Logistics, healthcare, and manufacturing run this city. We map our funding programs to the real demand — from downtown SBA-backed growth deals to Bartlett working-capital lines.
A Market Built on Real Demand
Memphis searches for business funding north of 1.6M times a month. We built our program list around what local owners actually look for — not a generic national menu. Every figure below is pulled from live search data in the Greater Memphis market.
Start your applicationLive
1.6M+
Monthly Searches
Live
37
Funding Programs
Live
10
Suburbs Served
Live
20+
Industries
Top Funding Programs in Memphis
SBA loans dominate the local market, but Memphis owners reach for short-term capital, lines of credit, and equipment financing in meaningful volume too. Pick the program that matches your timeline and collateral.
Compare all programsIndustries We Specialize In
Our underwriters know what good cash flow looks like in a dental practice, a long-haul trucking company, and a restaurant. Specialized programs, faster approvals, fewer surprises at funding.
Coverage Across Greater Memphis
From Shelby County into DeSoto, we fund local businesses with Tennessee licensing and underwriting that understands the regional economy — not a call center two time zones away.
Ready when you are
See your Memphis funding options in minutes.
How It Works
Funding in Four Simple Steps
A clear, transparent process built for busy Memphis owners. No jargon, no paperwork shuffle — just fast answers and real funding.
- 01
Apply in Minutes
Fill out a short online application — no obligation, no impact on your credit score. Tell us about your business and how much you need.
≈ 5 minutes - 02
Get Matched
Our Memphis funding specialists review your file and match you with the lenders and programs best suited to your goals.
Same-day review - 03
Review Your Offers
Compare clear, side-by-side offers with transparent terms. We walk you through every number — no surprises, no fine print.
Within 24 hours - 04
Get Funded
Sign electronically and receive funds in your business account — often as fast as the next business day.
As fast as 24 hrs
Ready to see what you qualify for?
Free, no-obligation review. Soft credit check only.
Ready When You Are
Get the capital your Memphis business needs to grow
Apply in minutes and our team will match you with the right funding program — SBA, working capital, lines of credit, equipment, and more.
- No impact on your credit to apply
- Funding decisions in as little as 24 hours
- Dedicated Memphis funding advisor
Service Area
Built in Memphis. Serving the Mid-South.
Local lenders. Local decisions. Local impact. From downtown to the suburbs and across the river, we fund the businesses that move this region forward.
The City
Downtown Memphis, TN
Where We Call Home
The Bluff City — on the Mississippi.
Memphis at a Glance
A logistics, healthcare & hospitality powerhouse.
We fund local owners with programs built for the way Memphis businesses actually run — fast, transparent, relationship-first.
- 1.34M+
- 60K+
- +3.2%
- 20+
Metro Population
Small Businesses
GDP Growth (YoY)
Industries Served
Coverage
Suburbs & Mid-South
Twelve communities.
One local team.
From Bartlett to Olive Branch — we know the neighborhoods, the industries, and the operators behind them.
- Bartlett
- Germantown
- Collierville
- Cordova
- Lakeland
- Arlington
- Millington
- Southaven
- Olive Branch
- Horn Lake
- West Memphis
- Marion
Business Funding SolutionsFunding Solutions
Funding Solutions
Built Around Real Business Growth
Whether you're launching a startup, expanding operations, or scaling an established company, we connect Memphis businesses with flexible funding solutions tailored to their goals.
Stage 02
Growing Businesses
Access flexible capital for hiring, inventory expansion, marketing campaigns, and business growth initiatives.
Stage 03
Established Companies
Secure larger funding solutions for acquisitions, equipment upgrades, expansion projects, and long-term growth strategies.
Client Reviews
Trusted by Memphis owners. Backed by results.
4.9
500+ Google Reviews
Real owners.
Real funding outcomes.
Real funding outcomes.
Verified
"Wexford got us a working capital line in under 48 hours. Their team understood our restaurant cash flow, structured the deal around our slow season, and made the whole process feel local — not transactional."
Funded
$185,000
Program
Working Capital
Closed
48 hours
MH
Marcus Hayes
Hayes BBQ Co. · Memphis, TN
Verified
"After two banks said no, Wexford found us an SBA program that actually fit. Closed in three weeks. They were honest about every fee and every timeline."
Funded
$420,000
Program
SBA 7(a)
Closed
3 weeks
PS
Priya Shah
Bartlett Dental Group · Bartlett, TN
Verified
"Equipment financing handled in days, not months. Our new fleet is on the road and the payments line up with our seasonal revenue. Couldn't ask for a better partner."
Funded
$310,000
Program
Equipment Financing
Closed
6 days
TC
Travis Cole
Cole Logistics LLC · Southaven, MS
Verified
"The line of credit gave us breathing room during a slow quarter. No pressure, no surprises — just a partner who picks up the phone when we need them."
Funded
$75,000
Program
Line of Credit
Closed
5 days
DF
Danielle Foster
Foster Boutique · Germantown, TN
Verified
"Invoice factoring with Wexford freed up cash we needed to take on bigger jobs. Their advisor walked us through every option before we signed anything."
Funded
$240,000
Program
Invoice Factoring
Closed
4 days
RD
Ramon Diaz
Diaz Construction · Collierville, TN
Ready to write your own success story?
Join 5,000+ Memphis-area businesses we've funded.
Most Memphis clients receive a funding decision within 24 hours of submitting a complete application. Once approved, funds can land in your business account in as little as one business day, depending on the program and your bank.
We work with a wide range of credit profiles. Many of our working capital and revenue-based programs start at 550+, while SBA loans typically require 650+. We look at the full picture — revenue, time in business, and cash flow — not just credit.
No. Our initial application uses a soft credit pull, which has zero impact on your credit score. A hard pull only happens later if you choose to move forward with a specific lender offer.
To start, we just need a short online form. For final approval, most programs ask for the last 3–6 months of business bank statements, a basic application, and sometimes a recent tax return. Your advisor will tell you exactly what's required.
SBA 7(a) and 504 loans, working capital, business lines of credit, equipment financing, invoice factoring, merchant cash advances, and commercial real estate loans — ranging from $10K up to $5M+.
It depends on the program. Working capital, lines of credit, and merchant cash advances are typically unsecured. SBA loans and equipment financing may require collateral. We match you to the structure that fits your business.
Nothing upfront. There are no application fees and no obligation to accept an offer. We're compensated by the lender when you successfully close — so our incentive is to find you the best terms, not push you into a deal.
Memphis and the Mid-South are our home, but we fund growing businesses across Tennessee, Mississippi, Arkansas, and nationwide. Local owners get the bonus of a hometown team that picks up the phone.