How it Works

1. Apply

Use our simple online application or call us to speak with one of our representatives and tell us how much working capital you would like for your business.

2. Business Info

Tell us a bit about your business so we can select the right funding solution for you.

3. Real time offer

Your quick quote is generated in just 3 hours.

4. Receive Funds

Receive your money in just days after approval.

Loans Offered

By filling out our application in just a few minutes you're going to get access to dozens of business loan, business credit, and alternative business funding options. Why go from broker to broker, application to application, wasting dozens of hours? Just fill out one and you're done! We'll bring you many offers and let you choose the best one for your needs.

Commercial Bridge Loans

A commercial loan is any type of financing a business owner can use to cover business expenses such as payroll, new equipment, inventory, or other operations costs.

Equipment Leasing

A lease, is in essence, an extended rental agreement under which the owner of the equipment allows the user to operate or otherwise make use of the equipment in exchange for periodic lease payments.

Term Loans

An interest-only loan is a loan in which the borrower pays only the interest rate on the principal balance.

Merchant CA

A Merchant Cash Advance is a funding option that differs from a conventional loan by focusing on revenue volume rather than other traditional loan requirements.

Unsecured LOC

An Unsecured Line of Credit requires no collateral.

MCA Consolidation

An MCA Consolidation buys out existing positions to help merchants avoid defaulting.

Asset Based Lending

A business loan secured by collateral (assets).

Invoice Factoring

Financing invoices for services and products that have been completed or delivered.

Commercial Real Estate Loans

A commercial real estate loan is a mortgage loan secured by a lien on commercial, rather than residential, property.

Business Acquisition Financing

Business term loans perform like the loans you may already be familiar with.

Why Sphinx Financial Consultants? We’ve helped thousands of businesses achieve their goals,
funding over $400 million over the past 5 years.

A Team That Cares

Your Sphinx Business Funding specialists care about you and your business. When you work with Sphinx you're going to get service that goes above and beyond.

No Credit Inquiry

Because we use confidential highly intelligent algorithms to score your ability to repay, we don't need to ding your credit.

Hassle Free Process

Our application process is simple and we're available to help every step of the way by phone and by email.

Self Service Portal

If you don't want to speak to someone, you don't need to! Fill out your application amount, select the funding option that works best for you, get funding!

Dozens Of Funding Options

With a single application we can get you access to dozens of deals from around the financial landscape. We'll find an offer that's custom tailored to your needs.

Bad Credit Accepted

You're more than a credit score with Sphinx. If your business has a great track record but a questionable credit score, chances are good we can still get you funding.

Qualification Requirements

Time In Business

You will need to have been in business for 6 months or more to qualify for funding.

Business Revenue

You should have $10,000 or more of sales per month for the last 3 consecutive months to qualify for funding with us and our network of funding partners.

Business Bank Account

If your business funds are separate from your personal funds and you utilize your business bank account for your business you're eligible to apply.


  • "When I was applying for a loan to purchase my building as a small business owner in a tough situation, conventional banks said they could not help me. The Sphinx sat down with me, heard my situation and decided that I was worth taking a chance on. Now I own that building. I couldn’t have purchased my building without the help of Sphinx fc and will be forever indebted to them for giving me a chance when no one else would."

    • Mike D.
  • “Sphinx helped me in my Business funding needs not once but twice, fast turn around and very professional. Five stars from me! Will recommend them to my Friends.”

    • Wilson M.
  • “Sphinx were very helpful with my funding needs for my business. Their professionalism was beyond what I expected. I knew I was working with a good company”

    • Sara L.
  • "If you want to stay in this economy and be competitive you need good equipment. I had a few pieces of equipment I had to put money into, and I needed working capital, so operations wouldn’t have to change. Cash flow is very important in a small business. I said to myself, if I ever make this business happen, I’m going to have new equipment, I’m going to have stuff that’s reliable. I had money in the bank as a cushion, so I could have squeaked by without borrowing, but I didn’t want to do that anymore. I wanted to try a short-term loan. So, the very first people I called was Sphinx Financial Consultants LLC."

    • Scarlett T.