What owners actually ask.
If it's not here, message us from inside your dashboard once you apply — you'll have a real broker on your account.
What credit score do I need?+
There's a lender in the Donkey Loans network for every tier. Excellent (750+) unlocks the best SBA and term-loan pricing. Good (650–749) is comfortable for most products. Fair (580–649) and Poor (<580) still get real offers — usually revenue-based financing or short-term products where the underwriting weighs cash flow more than credit.
How much can I borrow?+
Ranges vary by product: microloans start at $500, term loans go to $500K, lines of credit to $250K, and SBA / revenue-based financing can reach $5M. Equipment financing can cover up to 100% of the equipment's value.
What documents will I need?+
Minimum: your application and 3–6 months of business bank statements. Some lenders and products also ask for a driver's license, business registration, tax returns, P&L, or a short business plan. We tell you exactly what's needed once we know which offers you want to move forward on.
I have bad credit. Can I still get funded?+
Yes. The Donkey Loans lender network is specifically built for owners banks turn down. Revenue-based financing and short-term products are designed around cash flow, not credit. You'll typically see higher rates than an SBA loan, but you'll see real offers.
My business is only a few months old. Do I qualify?+
Some products, yes. Certain lenders in the network fund businesses as young as 3 months old with strong monthly deposits. Startups with less than 3 months of revenue are harder — the quiz will tell you honestly where you stand and what to prep.
Are the lenders legitimate?+
Every lender in the Donkey Loans network is licensed, regulated where applicable, and vetted for fair lending compliance. You'll see the lender's name, product, and full terms before you accept anything — no bait-and-switch, no blind acceptances.
Will applying hurt my credit?+
No hard credit pull happens when you submit the initial application. If you decide to accept an offer, the lender may pull credit at that point as part of final underwriting — you'll always be told before it happens.
How fast will I see offers?+
Most applications see the first offer within ~4 hours. More offers arrive over the following 24–48 hours as additional lenders review. Funding can happen as fast as 24 hours after you accept, depending on the product and any final documentation.
What does it cost to use Need That Loan?+
Nothing. We're paid by the lender when a deal funds. You never pay us a fee, and you're never obligated to accept any offer.
Who actually receives my application?+
Applications and information you submit are shared with Donkey Loans (DonkeyLoans.ai) and the licensed lenders in its network for the purpose of preparing offers. Need That Loan is a marketing partner and is not a lender. See our Privacy Policy for full details.