Business Lending That Fuels Growth

Get fast, flexible funding without the hassle. Whether you’re expanding, managing cash flow, or investing in growth, we help you access capital with clarity and confidence.

$20k - 5M

Minimum to Maximum Funding Available

200+

Lending Partners

10.5% - 18%

Average Interest Rates

1 - 7 Days

Typical Time to Funding

Our Flexible Funding Options

Term Loans

Fixed payments, competitive rates, and clear timelines make term loans a popular choice for long-term investments like equipment, renovations, or growth initiatives.

SBA Loans

Ideal for established businesses looking for low rates and long repayment terms. SBA loans are a smart option for expanding, purchasing assets, or refinancing debt.

Working Capital Loans

Cover short-term cash flow gaps or seasonal expenses with fast access to working capital, keeping your operations running smoothly when timing matters most.

Lines of Credit

Only pay interest on what you use. Great for managing expenses, unexpected costs, or giving your business breathing room.

Commercial Real Estate Loans

Finance new locations, renovate existing spaces, or refinance current loans with funding tailored to your commercial real estate needs.

Refinance High-Interest MCAs

We help businesses refinance out of high-cost merchant cash advances into real lending with better terms, monthly payments, and credit-building benefits.

Why Rate Tracker Lending Stands Apart

Customized Financing Solutions

We offer business loans designed to meet your specific goals — whether you need funding for expansion, equipment upgrades, cash flow management, refinancing high-interest debt, or securing a flexible line of credit.

Competitive Rates and Terms

Get business loans with competitive rates and repayment terms tailored to your cash flow — so you can grow without financial stress.

Fast and Efficient Application Process

Quick, stress-free funding that lets you stay focused on your business.

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Is Now The Right Time For A Loan?

Use our free Financial Health Score tool to evaluate your cash flow, revenue, and expenses — and get tailored insights on what to do next. Try it now!

Serious About Scaling? So Are We.

Rate Tracker helps growth-focused businesses go beyond low rates—with smarter payments, real funding, and the clarity to scale with confidence.