Fast funding from real people. No banks, no red tape, no runaround.
Mon–Fri 8am–7pm CST • No hard credit pull • Takes 60 seconds
Whether you need fast capital, long-term financing, or to unlock cash tied up in your business — we have a solution that fits.
17+ years. Thousands of businesses funded. 83% come back for more. No corporate red tape — just Cheddar Dan and Cheddar Ron, the owners, working directly with you.
Banks were built for businesses that don’t need them. We were built for everyone else.
| Feature | 🇰 Cheddar Capital | 🏦 Traditional Bank |
|---|---|---|
| Speed of Funding | ✅ Same day – 24 hrs | ❌ 2–8 weeks |
| Personal Guarantee | ✅ Not required on most | ❌ Almost always required |
| Collateral Required | ✅ No collateral on most | ❌ Typically required |
| Credit Approach | ✅ Revenue-focused | ❌ Strict FICO cutoffs |
| Documentation | ✅ 3 months bank statements | ❌ Tax returns, financials, business plan... |
| Approval Rate | ✅ High — revenue is king | ❌ ~20–30% for small biz |
| Who You Talk To | ✅ The owners, directly | ❌ A loan officer you’ll never meet again |
Get the cheddar your business deserves.
Takes 5 minutes. No documents needed to check your rate. When you're ready to apply, most clients only need 3 months of bank statements — no weeks of back-and-forth, no piles of paperwork. No hard credit pull. No personal guarantee required.
Most businesses qualify with $75K+/mo in revenue and at least 1 year in business — no pressure, no hard pull. Stop leaving cheddar on the table.
Disclaimer: Cheddar Capital Partners keeps its information as accurate and as up to date as possible. This information can be different than your financial institution offerings, products, or services. All pre-qualified offers and approvals are subject to credit review and final underwriting. If you find discrepancies with your credit score or information from your credit report, please contact Experian® or Equifax® directly. Commercial mortgages are not available in the state of California.
*Subject to underwriting and credit approval, not all applicants qualify for same day funding.