Trusted by real customers with real stories.
A+ Rating
Built for small business
A Loot line of credit gives you access to funds when you need them - great for handling inventory, payroll, or surprise expenses without going overboard.
Fast decisions & funding
Apply in minutes, get a decision in minutes, and access funds in minutes.
No hard credit pull
We only do soft credit pulls. Apply without it affecting your credit history.
High approval rate
We approve on revenue, not credit scores. Most applicants who meet our minimums get funded.
Save with early pay
Pay off early and get a 50% discount on outstanding fees.
Streak rewards
Pay consistently and earn a balance buster to reduce your outstanding balance.
Flexible payment options
Life happens. Reduce your payment amount or skip a payment when you need a break.
Are we a match?
Loot is made for the bold - builders, dreamers, hustlers, and modern merchants. Got a business that's a year old and pullin' in $200K or more a year? You're welcome aboard.
Minimum requirements
1+ years
$200k+
None
Don't take our word for it. Take theirs.
Loot funds small businesses across the US, and in our category we score in the top 5% of lenders for credibility, customer service, and user experience.
Built on trust, steered by experience.
A+ Rating
Pay off early and save.
Loot rewards quick paybacks with steep discounts - ideal for covering short-term needs without sinking your margins.
50% savings—50% savings—50% savings—
Built for how you actually run your business
Loot gives small businesses on-demand access to working capital with flexible payments and an AI financial assistant built right in.
Draw in seconds
Pick your amount, hit go. Funds are on their way before you finish your coffee.
Adjust when cash flow dips
Need a little breathing room? Lower your payment amount directly from your account, no phone calls, no hoops. Just a quick request and you're sorted.
Pay early, keep more
Settle ahead of schedule and save 50% on outstanding fees. Good habits, real rewards.
Meet Blackbeard
Your on-board AI that knows your account inside out. Ask anything, get a full financial overview, or find out what's happening with your balance. Always on deck, never on hold.
Track your financial health
Loot isn't just a funding tool — it's a real-time window into your business. See your cash flow, revenue trends, and overall financial health, refreshed automatically from your connected bank accounts. No spreadsheets, no guesswork, no digging.
Build your credit health (T-Score)
T-Score tracks your business health so you can improve it, own it, and share it with anyone who needs to see it.
Payment streak rewards
Make consistent payments and earn a balance buster — a direct reduction on what you owe.
Create your pirate
Make Loot yours. Build a custom pirate avatar that represents your business on the platform. Because every captain needs a face.
Earn free merch
Good financial habits pay off in more ways than one. Keep up your payments and unlock free Loot merch as a thank you from the crew.
No small jobs
We don't just fund small businesses — we show up.
A video series following Loot's CXO working alongside real small business owners. Most lenders never meet their customers. We work alongside ours. The small businesses we fund deserve more than a wire transfer.
View all episodes
Still thinking about it?
