Who is eligible for a non-SBA working capital loan through Radix?

Eligibility requires: a minimum personal credit score of FICO 660; no bankruptcy in the past 3 years; no foreclosure in the past 3 years; and no open tax liens or outstanding judgments. There is no business credit score requirement.

How much can my business borrow?

Radix can fund up to $500,000 through the non-SBA working capital program.

Non-SBA Working Capital Loans

Q: What are the loan terms?

Loan amount: $35,000 to $500,000. Interest rate: 10% to 25%. Loan period: 2 to 5 years. Closing timeframe: less than 2 weeks. Payment frequency: monthly. Prepayment penalty: none.

Q: Will a lien or personal guarantee be required?

UCC filing on the business: yes - this is standard for all business loans. Personal guarantee: yes. Business property lien: no. Personal home lien: no.

Q: What documentation is required for underwriting?

For pre-approval Radix needs: 2 years of business and personal tax returns; a current business debt schedule; interim financials (profit and loss statement and balance sheet); and 6 months of business bank statements.

Q: What can I use the funds for?

General working capital, purchasing inventory, hiring employees, refinancing business debt, marketing, and dozens of other business uses.

Q: Are there any alternative options?

Yes. If non-SBA term loan rates are too high, Radix also offers Traditional SBA and SBA Fast Track Express loans with 10-year terms and roughly half the monthly payment. The Radix Line of Credit is another faster, non-SBA alternative.

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This non-SBA term loan is based on credit and profitability

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Are you looking for a working capital loan but don’t want an SBA loan?

Radix can help you stay away from merchant cash advances and obtain long-term financing. We can connect you to lenders that offer monthly payment term loans for up to 5 years, without a government guarantee.

We need a business owner that has a credit score above 660, and a business that shows enough profitability to afford the debt.

What is a non-SBA working capital loan through Radix Financial Group?

A non-SBA working capital loan is a term loan without a government guarantee — designed for established businesses that need capital quickly and want to avoid high-cost merchant cash advances.

Through Radix Financial Group, qualified business owners can secure $35,000 to $500,000 in less than 2 weeks, with rates from 10% to 25% on a 2- to 5-year term and monthly payments — no daily or weekly debits like an MCA.

To qualify, a business owner generally needs a FICO score of 660 or higher and a business with demonstrated profitability. No bankruptcy or foreclosure in the past 3 years, and no open tax liens or outstanding judgments are required. A UCC filing and personal guarantee are standard; no business or personal property liens are placed.

Key facts at a glance

Loan amount$35,000 – $500,000

Interest rate10% – 25%

Funding timelineLess than 2 weeks

Loan term2 – 5 years

Payment typeMonthly

Minimum FICO660

Bankruptcy / foreclosureNone in past 3 years

Tax liens / judgmentsNone outstanding

Prepayment penaltyNone

UCC filingRequired (standard)

Personal guaranteeRequired

Business / home liensNot required

Eligible usesWorking capital, inventory, debt refi

Track record$700M+ funded · 3,500+ loans

simple

3 Step Process

Apply for a non-SBA working capital today!

Check Eligibility

Review the eligibility requirements below for this loan program

Apply Online

Complete the online application & submit the required documentation for underwriting

Get Funded

IT'S THAT EASY!

Frequently Asked Questions

Who is eligible?

Minimum personal credit of FICO 660
Public records search for business owners:
No bankruptcy in past 3 years '
No foreclosure in past 3 years
No open tax liens or outstanding judgments

What are the loan terms?

Amount: $35,000-$500,000

Interest rate: 10-25%

Loan period: 2-5 Years

Closing timeframe: 2 weeks

Payment frequency: Monthly payments

Prepayment penalty: None

Will a lien or personal guarantee be required?

UCC filing on the business- Yes (This is standard for all business loans)

Personal guarantee- Yes

Business property lien- No

Personal home lien- No

What documentation is required for underwriting?

All Radix needs for pre-approval

2 years of business and personal tax returns
Business debt schedule
Interim financials: profit & loss statement, balance sheet
6 most recent business bank statements

What can I use the funds for?

General working capital
Purchasing inventory
Hiring employees
Refinancing business debt
Marketing
Dozens of other uses

Are there any alternative options?

Rates for Non- SBA term loans too high?

Check out our Traditional SBA and SBA Express loan options, for a ten year term and half the monthly payment. Please also check out our Line of Credit for another, faster and easier, non-SBA alternative.

Radix Financial Group and its affiliates are not lenders participating in SBA’s 7(a) loan program. Radix is a marketplace to help business owners obtain SBA 7(a) loans. Said loans are ultimately processed and approved by a lender participant in SBA’s 7(a) loan program.

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