Loans For Black Entrepreneurs

Fast, Flexible Financing for Your Business

At some point in your business journey you will likely find yourself needing more capital. Get prequalified now so  you can get and get the financial support you need to grow your business.

Get The financial Support you need

We are here to help, whether you are looking to secure working capital for inventory, payroll, marketing, taxes, or exploring small business lending solutions, including small business loans, merchant cash advances, equipment financing, and commercial real estate financing. Our unique approach allows us to close quickly and securely on real estate investments, even when conventional lenders turn you away.

Not every business is the same: financing solutions shouldn’t be either. 1619 Funding Group has business loans and financing solutions that are tailored to your short-term needs and long-term goals so that you can focus on operating and growing your business. We want to help you get funding that fits the size of your business at any stage of development. Our team is always available to coach you throughout the process. With one of the widest ranges of loan programs, we have borrowers as you covered.

How It Works

3 Easy Steps

Pre-Qualify Online

To get prequalified, follow the "Get Started" button and enter some basic business information.

Approval in 24 hours

After your submission has been processed, a Business Consultant will reach out to discuss the options you qualify for.

Receive Same Day Funding

Upon approval and accepting the offer, funds are deposited directly into your bank account so you can use the money immediately.

Financing options

Choose from one financing options below to apply.

Working Capital Loans

A working capital loan helps small business owners meet daily operational expenses, like payroll and purchasing additional goods or materials. These short-term loans can help stabilize cash flow and meet immediate business needs. Working capital loans are not ideal for long-term investments or growth because they have shorter repayment terms.

Small business working capital loans are perfect for healthy businesses with steady revenue. Working capital loans are ideal for business owners who need flexible, short-term funding without the hassle. With shorter payment periods and flexible usage, 1619 Funding’s working capital loans provide speed, simplicity, and versatility to meet the funding needs of small businesses. Funds are automatically deposited into your business bank account with repayments already set up, so you can focus on running your company.

A long-term loan is a business financing option for established businesses that need a large amount of capital at a lower interest rate for growth. These long-term loans typically have repayment terms of at least three to ten years, which can be especially appealing to business owners looking to make an investment in their business that will provide a return on investment over a long period of time. 

For online long-term business loans, the approval process is convenient and simple, and we connect you with the right-sized capital to meet your business goals.

Business Line of Credit

A business line of credit is a flexible business loan that allows you to borrow up to a certain amount, or credit limit, to cover short-term working capital requirements. When you get a business line of credit, the lender approves you to borrow up to a certain amount of money and you’re able to access some or all of that money as you need it. After you fully pay off a portion you’ve used, the full amount of your line of credit is available for you to use again.

Although business lines of credit do operate very similarly to a credit card, they are not the same thing. Credit cards typically have higher interest rates, and, in many cases, a line of credit does not have a mandatory monthly payment system.

SBA Loan

SBA-guaranteed loans are made by private lenders and are guaranteed up to 80 percent by the SBA. This helps reduce the lender’s risk and helps them provide financing that’s otherwise unavailable at reasonable terms. SBA loans are typically more difficult to qualify for but offer low rates, favorable terms, and other benefits. From 7(a) loans and micro-loans to disaster loans and debt consolidation, SBA loan programs come in many different forms. Credibly can help you gain access to the best federally backed funding option you qualify for.

Merchant Cash Advance

A merchant cash advance (MCA) or business cash advance is a form of business financing in which a lump-sum of funding is given to a business in exchange for an agreed-upon percentage of future revenues or credit card sales. Merchant cash advances come in various forms and often have shorter durations and smaller regular remittance amounts than business term loans, making them ideal for small business owners who need flexible options to satisfy their funding due to fluctuating revenue.

Invoice Factoring

Invoice factoring, also known as accounts receivable factoring, is a form of small business financing where a business sells its invoices to a factoring company in exchange for upfront funding. When the invoice amount is paid by the customer, the remaining balance is paid to the business owner minus a fee.

Invoice factoring allows you to receive the working capital you need to maintain operations and plan for the future, but without taking on the periodic fixed payments associated with a term loan. If slow-paying clients are stalling your ability to pay bills or meet payroll, invest in technology and equipment, or hire more staffing, invoice factoring can help you bolster cash flow by liquidating your outstanding accounts receivable to meet your business needs.

Rather than waiting 30 to 120 days for your customers to pay you the money you need to run your business, invoice factoring provides you with working capital within 1-2 business days.

Equipment Financing

Equipment financing is the use of a loan or lease to make equipment purchases or borrow hard assets like machinery for your business. Rather than paying for the assets in full upfront, equipment financing works by allowing you to receive the equipment you need now while allowing you to pay for the asset over its lifetime. Because of this, equipment financing is perfect for purchasing many types of equipment. Some examples include healthcare equipment, construction equipment and vehicles, kitchen equipment, and other large hard asset purchases that allow you to increase production and grow your business.

Commercial Real Estate Loans

We provide commercial real estate finance for investment properties as well as funding to small, medium, and large size businesses. We offer real estate financing for all kinds of investment properties, including commercial, industrial, multi-family, mixed-use property, hard money, and more.


Here are some frequently asked questions:

We have a very simple process whereby you apply right online, you can get approved within 24 hours, and then you will receive your funds via wire transfer.

That depends on your qualifications because each business and situation is different. Once you complete the prequalification application, we can give you a better idea of your options.

Depending on the type of funding you qualify for, we can get money in your bank account as quickly as 24 hours after final approval.

After approval, we will discuss the specific terms and details of your loan.

We have many loan options such as working capital, equipment leasing, merchant cash advances, commercial real estate loans, and more.

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Before Applying For Financing

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