Frank - Your loan assistant

Hi, we're Frank

We find the best loans for your business, negotiate the terms, and get you funded.

We find the best loans for your business, negotiate the terms, and get you funded.

We scan over 500 US banks, and apply to the most suitable ones. We never sell your data, never charge you a fee and always tell you the costs.

Q1 / 8

How much are you looking to borrow?

$

Fund your growth. Not your lenders.

Fund your growth. Not your lenders.

Fund your growth.
Not your lenders.

Frank connects American small businesses with the right bank loans. No predatory lenders, no hidden costs. We handle the process, match you to the right lender, and get terms back in 72 hours.

No commission, no pressure, real rates in three minutes.

Frank connects American small businesses with the right bank loans. No predatory lenders, no hidden costs. We handle the process, match you to the right lender, and get terms back in 72 hours.

No commission, no pressure, real rates in three minutes.

No obligation
No obligation
HVAC business owner installing aircon
Female small business owner

Bank funding that moves at your speed.

A three-step path from "tell us about your business" to "money in the bank." Most trades operators are pre-qualified in under three minutes.

Takes 3 minutes.
Takes 3 minutes.
The smarter way to fund your business.
Bank-rate loans without the bank runaround. No hidden fees, no daily cash grabs, no middlemen taking a cut.
Frank
MCA lenders
Loan brokers
Banks
How much you can get
$50K to $5M+
Any size business.
Up to $500K
Caps out for growing businesses.
Depends on lender
No guarantee on amount or terms.
$100K minimum
Small loans rarely worth their time.
What it actually costs
Bank rates
No fees to you. Frank is paid by the lender.
40% to 350% APR
Factor rates disguise the true cost.
Lender rate + 1 to 10%
Broker commission baked into your rate.
6.8% to 11% APR
Competitive, if they approve you.
Time to get funded
Within 72 hours
Terms back in three days from our network of US banks.
24 to 72 hours
Fast, but at a steep price.
Days to weeks
Brokers add delays at every step.
2 to 3 months
SBA loans can take 90+ days.
How you repay
Fixed monthly
Predictable. Easy to plan around.
Daily % of sales
Pulled every business day before you see the money.
Depends on lender
Could end up with daily MCA-style payments.
Fixed monthly
Good structure, if you get approved.
Who gets approved
Your business health
Where your business is going, not just where it has been.
Most businesses
Low bar to get in, high price to pay for it.
Varies by lender
Your file goes to multiple lenders. Each may pull credit.
Only 13 to 14%
Strict credit, collateral and business plan required.
Your data
Handled privately
Managed with our network of US banks. Never sold.
Held by MCA company
Used to sell you more advances.
Shared with many lenders
Your financials sent to whoever they work with.
Held by the bank
Regulated, but you are one of millions.
350%
Max effective APR on a typical MCA. Frank works to bank rates.
86%
Of businesses are turned away by large banks before they apply.
$50K+
Typical annual savings refinancing a $200K MCA into a Frank-arranged bank loan.
See if I qualify
Soft credit check only. No commitment.
The smarter way to fund your business.
Bank-rate loans without the bank runaround. No hidden fees, no daily cash grabs, no middlemen taking a cut.
Frank
MCA lenders
Loan brokers
Banks
How much you can get
$50K to $5M+
Any size business.
Up to $500K
Caps out for growing businesses.
Depends on lender
No guarantee on amount or terms.
$100K minimum
Small loans rarely worth their time.
What it actually costs
Bank rates
No fees to you. Frank is paid by the lender.
40% to 350% APR
Factor rates disguise the true cost.
Lender rate + 1 to 10%
Broker commission baked into your rate.
6.8% to 11% APR
Competitive, if they approve you.
Time to get funded
Within 72 hours
Terms back in three days from our network of US banks.
24 to 72 hours
Fast, but at a steep price.
Days to weeks
Brokers add delays at every step.
2 to 3 months
SBA loans can take 90+ days.
How you repay
Fixed monthly
Predictable. Easy to plan around.
Daily % of sales
Pulled every business day before you see the money.
Depends on lender
Could end up with daily MCA-style payments.
Fixed monthly
Good structure, if you get approved.
Who gets approved
Your business health
Where your business is going, not just where it has been.
Most businesses
Low bar to get in, high price to pay for it.
Varies by lender
Your file goes to multiple lenders. Each may pull credit.
Only 13 to 14%
Strict credit, collateral and business plan required.
Your data
Handled privately
Managed with our network of US banks. Never sold.
Held by MCA company
Used to sell you more advances.
Shared with many lenders
Your financials sent to whoever they work with.
Held by the bank
Regulated, but you are one of millions.
350%
Max effective APR on a typical MCA. Frank works to bank rates.
86%
Of businesses are turned away by large banks before they apply.
$50K+
Typical annual savings refinancing a $200K MCA into a Frank-arranged bank loan.
See if I qualify
No commitments.

The right loan for every stage of your business.

SBA 7(a) Loans

SBA 504 Loans

Equipment Finance

Invoice Finance

Unsecured business loans

Asset-back Finance

Lines of credit

SBA 7(a) Loans

The most popular government-backed loan in America. Designed for working capital, expansion, acquisitions and refinancing, with rates capped by the SBA and terms no MCA can touch.


  • Borrow up to $5m

  • Prime + negotiable (SBA.gov, April 2026)

  • Terms up to 10 years (25 years for commercial real estate)

The right loan for every stage of your business.

SBA 7(a) Loans

SBA 504 Loans

Equipment Finance

Invoice Finance

Unsecured business loans

Asset-back Finance

Lines of credit

The most popular government-backed loan in America. Designed for working capital, expansion, acquisitions and refinancing, with rates capped by the SBA and terms no MCA can touch.


  • Borrow up to $m

  • Prime + negotiable (SBA.gov, April 2026)

  • Terms up to 10 years (25 years for commercial real estate)

“We’d been waiting weeks to hear back from lenders. With Frank we were speaking to the right bank almost instantly.”

Anna Keller

Founder, Keller Precision Tools

“We’d been waiting weeks to hear back from lenders. With Frank we were speaking to the right bank almost instantly.”

Anna Keller

Founder, Keller Precision Tools

“We’d been waiting weeks to hear back from lenders. With Frank we were speaking to the right bank almost instantly.”

Anna Keller

Founder, Keller Precision Tools

our panel of lenders include:

Built for the builders of our economy. 

We work with HVAC contractors, plumbers, electricians, GCs, and a growing list of other small businesses where cash flow doesn't match billing cycles.

Trades & construction

Cash flow between jobs

Project financing

Equipment

Materials

Fleet

Retail & hospitality

Bridging gaps between busy seasons

Stock purchases

Fit-outs

Professional services

Covering gaps between invoices & payments.

Expansion

Hiring

Transport & logistics

Fuel and operational costs

Fleet maintenance

Vehicle finance

Health & wellness

Working capital between billing cycles

Equipment upgrades

Premises fit-out

Manufacturing & wholesale

Managing supplier payment terms

Raw materials

Equipment

If you run a small business and you've ever been told you don't have enough assets then let's talk:

Won't affect your credit score

Built for the builders of our economy. 

We work with HVAC contractors, plumbers, electricians, GCs, and a growing list of other small businesses where cash flow doesn't match billing cycles.

Trades & construction

Cash flow between jobs

Project financing

Equipment

Materials

Fleet

Retail & hospitality

Bridging gaps between busy seasons

Stock purchases

Fit-outs

Professional services

Covering gaps between invoices & payments.

Expansion

Hiring

Transport & logistics

Fuel and operational costs

Fleet maintenance

Vehicle finance

Health & wellness

Working capital between billing cycles

Equipment upgrades

Premises fit-out

Manufacturing & wholesale

Managing supplier payment terms

Raw materials

Equipment

If you run a small business and you've ever been told you don't have enough assets then let's talk:

Won't affect your credit score

Built for the builders of our economy. 

We work with HVAC contractors, plumbers, electricians, GCs, and a growing list of other small businesses where cash flow doesn't match billing cycles.

Trades & construction

Cash flow between jobs

Project financing

Equipment

Materials

Fleet

Retail & hospitality

Bridging gaps between busy seasons

Stock purchases

Fit-outs

Professional services

Covering gaps between invoices & payments.

Expansion

Hiring

Transport & logistics

Fuel and operational costs

Fleet maintenance

Vehicle finance

Health & wellness

Working capital between billing cycles

Equipment upgrades

Premises fit-out

Manufacturing &

wholesale

Managing supplier payment terms

Raw materials

Equipment

If you run a small business and you've ever been told you don't have enough assets then let's talk:

Won't affect your credit score

We're ready when you are.

Talk to a Frank advisor and we'll find the right funding for your business. No fees, no pressure, no jargon.
Monday - Sunday 8am to 10pm ET (318) 520 8749

Talk to a Frank advisor and we'll find the right funding for your business.


No fees, no pressure, no jargon.


Monday - Sunday

8am to 10pm ET

318 520 8749

Contact us

Business loans made simpler,

from lenders you trust.


Phone: (318) 520 8749

Email: hello@talktofrank.ai

Contact us

Business loans made simpler,

from lenders you trust.


Phone: (318) 520 8749

Email: hello@talktofrank.ai

Contact us

Business loans made simpler,

from lenders you trust.


Phone: (318) 520 8749

Email: hello@talktofrank.ai

The funding partner that gets small business lending across the line, faster, and at terms they wouldn't find on their own.

Frank arranges funding on behalf of business owners by connecting them with lenders from our panel. Frank earns a fee from the lender upon successful funding. Frank does not charge fees to business owners. Credit decisions are subject to lender criteria and approval. Funding timelines are indicative and may vary. Frank is a US-based small business lending platform. Headquartered in New York City, New York. Frank is not affiliated with Talk to Frank, the UK drugs advice service.


Compare to Ondeck. Compare to Lendio Compare to Bluevine. Compare to Fundbox. Compare to FundingCircle. Compare to Biz2credit.

© Frank 2026

The funding partner that gets small business lending across the line, faster, and at terms they wouldn't find on their own.

ABOUT FRANK

RESOURCES

CONTACT

Frank arranges funding on behalf of business owners by connecting them with lenders from our panel. Frank earns a fee from the lender upon successful funding. Frank does not charge fees to business owners.

Credit decisions are subject to lender criteria and approval. Funding timelines are indicative and may vary. Frank is a US-based small business lending platform. Headquartered in New York City, New York.

Frank is not affiliated with Talk to Frank, the UK drugs advice service.


Compare to Ondeck. Compare to Lendio Compare to Bluevine. Compare to Fundbox. Compare to FundingCircle. Compare to Biz2credit.

© Frank 2026

The funding partner that gets small business lending across the line, faster, and at terms they wouldn't find on their own.

ABOUT FRANK

RESOURCES

CONTACT

Frank arranges funding on behalf of business owners by connecting them with lenders from our panel. Frank earns a fee from the lender upon successful funding. Frank does not charge fees to business owners.

Credit decisions are subject to lender criteria and approval. Funding timelines are indicative and may vary. Frank is a US-based small business lending platform. Headquartered in New York City, New York.

Frank is not affiliated with Talk to Frank, the UK drugs advice service.


Compare to Ondeck. Compare to Lendio Compare to Bluevine. Compare to Fundbox. Compare to FundingCircle. Compare to Biz2credit.

© Frank 2026