Start with the request
The form asks for the essentials a funding partner needs to gauge fit: industry, location, revenue range, time in business and the use of funds. Nothing sensitive is collected on the public site.
Nationwide directory
Business funding directory: states, cities, products and amounts
Short answer
Small businesses in every state we serve can access working capital, term loans, lines of credit, SBA loans, equipment financing, factoring and revenue-based financing from $5,000 to $5 million through AIDBIZ's funding partners. One application covers all of them, there is no hard credit pull to apply, and decisions typically arrive within 24 to 72 hours.
This directory is the map of AIDBIZ's local funding pages. It covers nine states and one hundred eight cities, with a hub for each state, a hub for each city, eighteen industry guides per city and product pages by state and by major city. Use it to find the page closest to your business, or start with a product or amount if location matters less than structure.
36 states43 cities8 products18 industries per city
How to use this directory
Start with your state if you want the rules that apply to every business there: whether the state requires cost disclosures on commercial financing, which SBA district offices serve it, and how its economy shapes typical requests. California, New York and Florida have disclosure laws that materially change how offers should be compared; the other six states do not, which makes asking the right questions more important.
Go to your city if you want local context: the industries that dominate, the business corridors where owners operate, the kinds of requests we see most, and links to the eighteen industry guides and the product pages written for that market. Each of the one hundred eight city hubs is written individually rather than generated from a form letter.
Start with a product if you already know what you need. Product pages exist for all eight products in every state and in seventy of the larger cities, each with the published market range, timing, minimums, documents and a payment estimator. And if the amount is the fixed point, the nine amount pages explain which products tend to fit each size of request.
Whichever page you land on, the process is the same: a short eligibility form that does not use a hard credit pull, a conversation with a specialist about the realistic options, and, if there is a fit, a private application that goes to multiple funding partners at once. AIDBIZ is not a lender; the ranges on these pages are published market guidelines, never offers.
Browse the index
Browse by state
Each state hub covers the state's economy, whether it requires cost disclosures on commercial financing, its SBA district offices, every product page for the state and every city hub within it.
Alabama1 city hubs · AL state hub · 8 product pagesArizona1 city hubs · AZ state hub · 8 product pagesCalifornia1 city hubs · CA state hub · 8 product pagesColorado1 city hubs · CO state hub · 8 product pagesFlorida4 city hubs · FL state hub · 8 product pagesGeorgia2 city hubs · GA state hub · 8 product pagesIowa1 city hubs · IA state hub · 8 product pagesIdaho1 city hubs · ID state hub · 8 product pagesIndiana1 city hubs · IN state hub · 8 product pagesKentucky1 city hubs · KY state hub · 8 product pagesLouisiana2 city hubs · LA state hub · 8 product pagesMichigan2 city hubs · MI state hub · 8 product pagesMinnesota1 city hubs · MN state hub · 8 product pagesMissouri2 city hubs · MO state hub · 8 product pagesNorth Carolina2 city hubs · NC state hub · 8 product pagesNebraska1 city hubs · NE state hub · 8 product pagesNew Mexico1 city hubs · NM state hub · 8 product pagesNevada1 city hubs · NV state hub · 8 product pagesOhio1 city hubs · OH state hub · 8 product pagesOklahoma2 city hubs · OK state hub · 8 product pagesOregon1 city hubs · OR state hub · 8 product pagesSouth Carolina1 city hubs · SC state hub · 8 product pagesTennessee3 city hubs · TN state hub · 8 product pagesTexas5 city hubs · TX state hub · 8 product pagesUtah1 city hubs · UT state hub · 8 product pagesVirginia1 city hubs · VA state hub · 8 product pagesWashington1 city hubs · WA state hub · 8 product pagesWisconsin1 city hubs · WI state hub · 8 product pagesAlberta0 city hubs · AB state hub · 8 product pagesBritish Columbia0 city hubs · BC state hub · 8 product pagesManitoba0 city hubs · MB state hub · 8 product pagesNova Scotia0 city hubs · NS state hub · 8 product pagesOntario0 city hubs · ON state hub · 8 product pagesQuebec0 city hubs · QC state hub · 8 product pagesSaskatchewan0 city hubs · SK state hub · 8 product pagesCanada0 city hubs · CA state hub · 8 product pages
Local markets
Browse by city
Every city hub is written individually: the local economy, business corridors, dominant industries, typical funding uses, eighteen industry guides and the product pages that apply.
Alabama
Arizona
California
Colorado
Florida
Georgia
Iowa
Idaho
Indiana
Kentucky
Louisiana
Michigan
Minnesota
Missouri
North Carolina
Nebraska
New Mexico
Nevada
Ohio
Oklahoma
Oregon
South Carolina
Tennessee
Texas
Utah
Virginia
Washington
Wisconsin
Alberta
British Columbia
Manitoba
Nova Scotia
Ontario
Quebec
Saskatchewan
Canada
The eight products, compared
These are the products AIDBIZ arranges in every state and city above. The figures are published market guidelines as of September 2026, compiled from lender and marketplace disclosures; they are not AIDBIZ offers, and the terms a funding partner actually extends depend on its underwriting. Product pages exist for every product in each state and in the larger cities.
| Product | Typical amount | Time to fund | Cost (market range) | Minimums |
|---|---|---|---|---|
| Merchant cash advance | $5,000 – $500,000 | Same day to 2 business days | Factor rate 1.15 – 1.49 (paid as a fixed amount, not interest) | 6 months in business; 500+ (revenue matters more than score) |
| Business term loan | $10,000 – $500,000 | 1 – 3 business days (online lenders) | APR roughly 8% – 45% depending on credit, revenue and term | 1 – 2 years in business; 600+ typical; 640+ for better pricing |
| Business line of credit | $10,000 – $250,000 | 1 – 3 business days to open; draws often same day | APR roughly 10% – 60%; some lenders price as a weekly fee on the drawn balance | 6 – 12 months in business; 600+ typical |
| SBA loan | $50,000 – $5,000,000 (7(a)); up to $50,000 for microloans | 30 – 90 days | Variable APR capped by SBA rules: prime plus 2.25% – 4.75% in most cases | 2+ years in business (some programs accept startups with strong plans); 650+ typical; 680+ preferred |
| Equipment financing | $10,000 – $2,000,000 (up to 100% of equipment cost) | 2 – 5 business days | APR roughly 7% – 30% | 6 months – 2 years (equipment secures the loan); 600+ typical; strong equipment can offset weaker credit |
| Invoice factoring | $10,000 – $5,000,000 (70% – 90% advance on eligible invoices) | 1 – 3 business days after setup | Factoring fee 1% – 5% of the invoice per 30 days | No minimum in many cases; the customers' credit matters most; Owner credit is secondary to customer credit |
| Revenue-based financing | $25,000 – $2,000,000 | 2 – 7 business days | Repayment cap of 1.1x – 1.5x the advance | 6 – 12 months in business; Revenue-driven; 550+ typical |
| Working capital loan | $5,000 – $250,000 | 1 – 2 business days | APR roughly 15% – 60%; short-term products may quote a factor rate instead | 6 months in business; 550+ typical |
Merchant cash advance in CaliforniaBusiness term loan in CaliforniaBusiness line of credit in CaliforniaSBA loan in CaliforniaEquipment financing in CaliforniaInvoice factoring in CaliforniaRevenue-based financing in CaliforniaWorking capital loan in CaliforniaMerchant cash advance in GeorgiaBusiness term loan in GeorgiaBusiness line of credit in GeorgiaSBA loan in GeorgiaEquipment financing in GeorgiaInvoice factoring in GeorgiaRevenue-based financing in GeorgiaWorking capital loan in Georgia
Funding by industry
Every city hub links eighteen industry guides written for that market. The examples below open the guide for one of the flagship metros; the same guide exists for each of the 43 cities in the directory.
Restaurant funding in BirminghamHealthcare funding in PhoenixConstruction funding in FresnoRetail funding in DenverSalon funding in MiamiTrucking funding in AtlantaFast Business funding in Des MoinesBad Credit funding in BoiseCash Flow funding in IndianapolisAuto Repair funding in LouisvilleDental funding in Baton RougeGym funding in DetroitCleaning funding in MinneapolisLandscaping funding in Kansas CityE-commerce funding in CharlotteManufacturing funding in OmahaHospitality funding in AlbuquerqueReal Estate funding in Las Vegas
Funding by amount
When the amount is the fixed point, start here. Each page explains which products tend to fit that request size, the published credit and timing guidelines, and what helps a review at that level.
Decide between products
The comparison pages put two products side by side on range, speed, credit guideline, structure and typical use, with a plain-language decision guide for each pair.
Equipment Financing vs Business Line of CreditEquipment Financing vs SBA LoanInvoice Factoring vs Revenue-Based FinancingBusiness Line of Credit vs Invoice FactoringBusiness Line of Credit vs Revenue-Based FinancingBusiness Line of Credit vs Business Term LoanMerchant Cash Advance vs Revenue-Based FinancingMerchant Cash Advance vs SBA LoanMerchant Cash Advance vs Business Term LoanMerchant Cash Advance vs Working CapitalRevenue-Based Financing vs Working CapitalSBA Loan vs Invoice FactoringSBA Loan vs Business Term LoanWorking Capital vs Business Term Loan
Process
How a funding specialist review works, wherever you are
A specialist calls with options
Rather than a generic offer, you get a conversation about which products fit your revenue pattern and use of funds, what the total cost would look like across the range, and what the partners would need to see. Expect this within a business day.
Decide with the numbers in front of you
If there is a fit, you complete a private application with bank statements and any product-specific documents. Offers are presented with total payback, term and payment schedule so they can be compared directly. Decisions typically come back in 24 to 72 hours.
Directory questions
Answers about the local pages.
Does submitting the form guarantee funding?
No. An inquiry starts a review and does not guarantee approval, an offer, a particular amount, price, or timeline.
What should I prepare?
Start with accurate business contact information, a revenue range, and the intended use of funds. Sensitive documents belong only in the private application portal when requested.
How quickly will someone respond?
Response time depends on request volume and the information provided. Complete contact details help the team follow up efficiently.
Why does the directory cover only nine states?
The city and state hubs are written for the markets where we see the most requests and can write with real local knowledge. Businesses in the other forty-one states are served through the same form and the same funding partners; only the local pages are missing, and more will be added as they are written.
Are the local pages different from one another?
Yes. Each city hub has its own description of the local economy, business corridors, dominant industries and typical funding uses, written individually. Product and amount guidelines are the same everywhere, because they are published market ranges that do not vary by city.
Does AIDBIZ have offices in these cities?
No. AIDBIZ works nationwide by phone, email and a secure online application and does not maintain public offices. The local pages provide context for owners in each market; they do not indicate a physical location.
What if my city is not listed?
Use the state hub for statewide context and the product or amount page closest to your need, then submit the same eligibility form. Location does not restrict the review; it only determines which local page we can point you to.
Which states require cost disclosures on business financing?
Of the nine states in this directory, California (SB 1235, administered by the DFPI), New York (the Commercial Finance Disclosure Law, administered by DFS) and Florida (the Commercial Financing Disclosure Law, enforced by the Attorney General, without an annualized rate) require disclosures on most commercial financing. Texas, Colorado, Illinois, Massachusetts, Pennsylvania and Washington do not have an equivalent statute as of this writing, so owners there should ask for the same figures in writing.
AIDBIZ is a team of small-business funding specialists with more than five years in the industry, not a lender. Nothing in this directory is an offer or a guarantee of approval; every figure is a published market range, and every review starts with the same short eligibility form that does not use a hard credit pull.