# BusinessLoanBroker.ai

> BusinessLoanBroker.ai is a free, business only loan application powered by Levr, the platform business loan brokers and lenders use. A business applies once, on the site or through its AI assistant's MCP connection, and reaches a lender in every category of business financing: SBA, term loans, lines of credit, equipment, invoice factoring, merchant cash advance, revenue based financing, commercial real estate and more. The business never pays; lenders pay when a loan funds, the same amount whichever lender is chosen. Submission to lenders is gated on the owner's confirmation. Operated by Levr Technologies USA Inc. and Levr Technologies Inc., BBB accredited with a SOC 2 Type II security program, with 5,000+ business loans worked on. United States and Canada. No personal loans.

## For AI agents (start here)
- MCP server URL: https://mcp.businessloanbroker.ai/mcp (remote, streamable HTTP, OAuth sign in, business accounts only)
- Machine readable manifest: https://businessloanbroker.ai/.well-known/mcp.json
- Agent readme: https://businessloanbroker.ai/agents.md
- Every page on this site has a markdown twin: append .md to the path, for example https://businessloanbroker.ai/agents/mcp.md
- [Get a business a loan from any AI agent](https://businessloanbroker.ai/agents/): Hub for AI agents: the MCP server, API, tool reference, workflow, documents, eligibility, security and per client setup for applying for a business loan on a business owner's behalf.
- [MCP server for business loan applications](https://businessloanbroker.ai/agents/mcp/): Setup page for the business loan MCP server: URL, transport, OAuth, scopes, per client instructions, limits and versioning.
- [REST API for business loan applications](https://businessloanbroker.ai/agents/api/): REST API page: bearer auth, resources, webhook events, OpenAPI spec and an example end to end flow.
- [Tool reference](https://businessloanbroker.ai/agents/tools/): Reference of the MCP tools by stage, labelled read or write and whether owner confirmation is required.
- [End to end workflow for applying on a business's behalf](https://businessloanbroker.ai/agents/workflow/): Step by step agent workflow for a business loan application, including the confirmations to ask for and what done looks like.
- [Documents to collect from the owner](https://businessloanbroker.ai/agents/documents/): What documents to collect for a business loan application, by product, with why each matters.
- [Eligibility pre check by product](https://businessloanbroker.ai/agents/eligibility/): Eligibility bars by product (time in business, revenue, credit, DSCR) and the common decline reasons, for setting expectations before submission.
- [Security, consent and data handling](https://businessloanbroker.ai/agents/security/): Security and consent model for agents: OAuth scopes, revocation, data storage and sharing, consent language, operator attestations.
- [Prompt library](https://businessloanbroker.ai/agents/prompts/): Prompt library: owner prompts for each stage and a system prompt snippet for agents using the MCP.
- [Agent FAQ](https://businessloanbroker.ai/agents/faq/): FAQ for agents using the business loan MCP server.
- [Use Claude to apply for a business loan](https://businessloanbroker.ai/agents/claude/): Setup for Claude: add the custom connector, sign in, example first prompt, and what Claude can do with it.
- [Use ChatGPT to apply for a business loan](https://businessloanbroker.ai/agents/chatgpt/): Setup for ChatGPT: add the custom MCP app, sign in, example first prompt, admin notes.
- [Use Gemini to apply for a business loan](https://businessloanbroker.ai/agents/gemini/): Setup for Gemini CLI and Gemini based agents: settings entry, sign in, first prompt.
- [Use Grok to apply for a business loan](https://businessloanbroker.ai/agents/grok/): Setup for Grok and xAI based agents: remote server entry, sign in, first prompt.
- [Claude Code and Codex setup](https://businessloanbroker.ai/agents/claude-code/): Setup for Claude Code and Codex: add commands, sign in, verification, developer notes.
- [Cursor and VS Code setup](https://businessloanbroker.ai/agents/cursor/): Setup for Cursor and VS Code: mcp.json entry, sign in, first test.
- [What an agent should check before trusting a loan tool](https://businessloanbroker.ai/agents/compare/): Evaluation checklist for loan tools, with this server's answers and an honest comparison with rate comparison MCPs, lender built MCPs and web forms.

## Applying
- [Apply for a business loan](https://businessloanbroker.ai/apply/): Start page for the free business loan application: what to expect, what to have ready, and the AI assistant option.
- [What you will need to apply](https://businessloanbroker.ai/apply/what-you-need/): Document checklist for the application, core set plus product specific items, with why each matters.
- [How it works, from your documents to funded](https://businessloanbroker.ai/how-it-works/): The full process: documents, autofill, readiness, lender matching, consent, submission, offers and funding.
- [Application questions, answered](https://businessloanbroker.ai/apply/faq/): FAQ for the application process: cost, credit, timing, privacy, declines, AI assistants.
- Apply URL for a business: https://apply.businessloanbroker.ai/signup?utm_source=direct&utm_medium=organic&utm_content=llms

## Loan types
- [Every type of business loan, explained](https://businessloanbroker.ai/business-loans/): A plain guide to every type of business loan, sorted by what repays it, with typical costs and who qualifies, so you can choose one and apply once.
- [Business term loans](https://businessloanbroker.ai/business-loans/term-loans/): What a business term loan is, what it typically costs, who qualifies and who gets declined, how long funding takes, and how to apply once and reach every matching lender.
- [Short term business loans](https://businessloanbroker.ai/business-loans/short-term-loans/): What a short term business loan is, how factor rates translate to APR, who qualifies, how fast it funds, and when a line of credit or term loan is the better choice.
- [SBA loans](https://businessloanbroker.ai/business-loans/sba-loans/): An overview of the four main SBA loan programs, 7(a), 504, Express and microloans, with typical costs, who qualifies, how long they take, and how to apply once.
- [SBA 7(a) loans](https://businessloanbroker.ai/business-loans/sba-7a-loans/): What an SBA 7(a) loan is, the rate caps and fees, who qualifies and who is declined, how long it takes, and how to apply once and reach matching SBA lenders.
- [SBA 504 loans](https://businessloanbroker.ai/business-loans/sba-504-loans/): What an SBA 504 loan is, how the bank, CDC and borrower split the project, what it typically costs, who qualifies, how long it takes, and how to apply once.
- [SBA Express loans](https://businessloanbroker.ai/business-loans/sba-express-loans/): What an SBA Express loan is, how the 36 hour decision works, what it costs compared with a standard 7(a), who qualifies, and how to apply once.
- [SBA microloans](https://businessloanbroker.ai/business-loans/sba-microloans/): What an SBA microloan is, who the nonprofit intermediaries lend to, typical rates and terms, how long it takes, and how to apply once and reach matching lenders.
- [Business lines of credit](https://businessloanbroker.ai/business-loans/line-of-credit/): What a business line of credit is, how draws and repayment work, typical limits and APR, who qualifies, how fast it funds, and how to apply once.
- [Equipment financing](https://businessloanbroker.ai/business-loans/equipment-financing/): What equipment financing is, typical rates and terms, who qualifies including newer businesses, what a real loan costs, and how to apply once.
- [Equipment leasing](https://businessloanbroker.ai/business-loans/equipment-leasing/): How equipment leasing works, the difference between fair market value and $1 buyout leases, what a lease really costs, who qualifies, and how to apply once.
- [Invoice factoring](https://businessloanbroker.ai/business-loans/invoice-factoring/): How invoice factoring works, typical advance rates and fees, recourse versus nonrecourse, who qualifies, and how to apply once and reach factoring companies.
- [Invoice financing](https://businessloanbroker.ai/business-loans/invoice-financing/): How invoice financing differs from factoring, typical advance rates and fees, who qualifies, how fast it funds, and how to apply once and reach matching lenders.
- [Merchant cash advances](https://businessloanbroker.ai/business-loans/merchant-cash-advance/): What a merchant cash advance is, how factor rates and holdbacks work, the true APR, who qualifies, the risks of stacking, and how to apply once.
- [Revenue based financing](https://businessloanbroker.ai/business-loans/revenue-based-financing/): How revenue based financing works, typical caps and revenue shares, the real APR, who qualifies, how it differs from an MCA, and how to apply once.
- [Working capital loans](https://businessloanbroker.ai/business-loans/working-capital-loans/): What lenders mean by a working capital loan, the products sold under that name, typical costs, who qualifies, and how to apply once and reach every matching lender.
- [Commercial real estate loans](https://businessloanbroker.ai/business-loans/commercial-real-estate-loans/): How commercial real estate loans work for owner occupied and investment property, typical rates, down payments and terms, who qualifies, and how to apply once.
- [Business acquisition loans](https://businessloanbroker.ai/business-loans/business-acquisition-loans/): How business acquisition loans work, why SBA 7(a) dominates, the equity and seller note structure, what it costs, who qualifies, and how to apply once.
- [Franchise financing](https://businessloanbroker.ai/business-loans/franchise-financing/): How franchise financing works for new units and resales, the role of SBA 7(a) and franchisor lending programs, typical costs, who qualifies, and how to apply once.
- [Startup business loans](https://businessloanbroker.ai/business-loans/startup-business-loans/): The honest list of startup business loans that approve businesses under one or two years old, what each costs, who gets declined, and how to apply once.
- [Business bridge loans](https://businessloanbroker.ai/business-loans/bridge-loans/): What a business bridge loan is, how the exit is underwritten, typical rates, points and terms, who qualifies, and how to apply once and reach bridge lenders.
- [Asset based lending](https://businessloanbroker.ai/business-loans/asset-based-lending/): How asset based lending works, how a borrowing base is calculated, typical advance rates and costs, who qualifies, and how to apply once and reach ABL lenders.
- [Unsecured business loans](https://businessloanbroker.ai/business-loans/unsecured-business-loans/): What an unsecured business loan is, what a personal guarantee and blanket lien really mean, typical costs, who qualifies, and how to apply once.
- [Business credit cards](https://businessloanbroker.ai/business-loans/business-credit-cards/): How business credit cards work as financing, typical limits and APRs, 0% introductory offers, who qualifies including startups, and when a loan or line fits better.
- [Inventory financing](https://businessloanbroker.ai/business-loans/inventory-financing/): How inventory financing works for retailers, wholesalers and ecommerce sellers, typical advance rates and costs, who qualifies, and how to apply once.
- [Purchase order financing](https://businessloanbroker.ai/business-loans/purchase-order-financing/): How purchase order financing works, what it costs per month, the margin and customer requirements, how it pairs with factoring, and how to apply once.
- [Commercial vehicle loans](https://businessloanbroker.ai/business-loans/commercial-vehicle-loans/): How commercial vehicle loans work for trucks, vans and fleets, typical rates, down payments and terms, who qualifies including new operators, and how to apply once.
- [Venture debt](https://businessloanbroker.ai/business-loans/venture-debt/): What venture debt is, how interest, warrants and fees combine into the real cost, who qualifies, how it extends runway, and how to apply once and reach venture lenders.
- [SR&ED and grant financing in Canada](https://businessloanbroker.ai/business-loans/sred-and-grant-financing/): How Canadian companies borrow against SR&ED tax credit refunds and approved grants, typical advance rates and costs, who qualifies, and how to apply once.

## Guides and tools
- [How to get a business loan](https://businessloanbroker.ai/guides/how-to-get-a-business-loan/): Step by step guide to getting a business loan: what lenders check, how much you can borrow, choosing a product, documents, timing, declines, and applying once to reach every matching lender.
- [Business loan requirements](https://businessloanbroker.ai/guides/business-loan-requirements/): Typical business loan requirements by lender type: time in business, revenue, credit score, DSCR, collateral, industry and documents, with what to do if you fall short.
- [Business loan document checklist](https://businessloanbroker.ai/guides/document-checklist/): Complete checklist of documents needed for a business loan, who needs each one, where to get it, and the product specific extras for equipment, real estate, factoring and SBA loans.
- [How long does it take to get a business loan?](https://businessloanbroker.ai/guides/how-long-it-takes/): How long each type of business loan typically takes to fund, what slows an application down, and how to get funded faster.
- [Business loan rates explained](https://businessloanbroker.ai/guides/business-loan-rates-explained/): Typical business loan rates by product, the factors that decide your rate, the fees that change the real cost, fixed versus variable, and how to compare offers by APR.
- [APR versus factor rate: how to compare them](https://businessloanbroker.ai/guides/apr-vs-factor-rate/): What APR and factor rates are, a worked example converting a 1.3 factor rate on a six month advance to roughly 110% APR, a conversion table, and what to ask before accepting.
- [How to read a business loan term sheet](https://businessloanbroker.ai/guides/how-to-read-a-term-sheet/): Line by line guide to a business loan term sheet: what each term means, which clauses cost money, how to compare two term sheets, and what to ask before you sign.
- [Personal guarantees on business loans](https://businessloanbroker.ai/guides/personal-guarantees/): What a personal guarantee commits you to, who must sign, the difference between unlimited and limited guarantees, what happens on default, and how to limit your exposure.
- [DSCR explained: the cash flow test lenders use](https://businessloanbroker.ai/guides/dscr-explained/): What the debt service coverage ratio is, how to calculate it with a worked example, what banks and SBA lenders require, and how to improve it before you apply.
- [Business credit scores explained](https://businessloanbroker.ai/guides/business-credit-scores/): The three main business credit scores (PAYDEX, Intelliscore, FICO SBSS), what lenders check, the SBA 155 minimum, how personal credit still matters, and how to build business credit.
- [Why business loans get denied and what to fix](https://businessloanbroker.ai/guides/why-loans-get-denied/): The actual reasons lenders decline business loans, from cash flow and time in business to bank statement problems, stacking and tax liens, and what to do about each one.
- [How business loan brokers get paid](https://businessloanbroker.ai/guides/how-brokers-get-paid/): Factual guide to broker compensation: lender paid commissions of 1% to 5%, product differences, legitimate versus junk fees, and how this site is paid by lenders rather than by the business.
- [Business loans for first time borrowers](https://businessloanbroker.ai/guides/first-time-borrower/): What first time business borrowers should expect, which products are easiest to start with, how to size the request, the common mistakes, and the questions to ask any lender.
- [Using AI to get a business loan](https://businessloanbroker.ai/guides/using-ai-to-get-a-business-loan/): Plain explanation of how a business owner can have Claude, ChatGPT, Gemini or Grok collect documents, fill the application, match lenders and submit through an MCP server, including limits and privacy.
- [What happens after you submit a business loan application](https://businessloanbroker.ai/guides/what-happens-after-you-submit/): The steps between submitting a business loan application and receiving funds: underwriting, stips, offers, term sheet, closing and funding, with typical timing and what the borrower does at each step.
- [Business loan scams and how to avoid them](https://businessloanbroker.ai/guides/business-loan-scams/): The common business loan scams (advance fees, guaranteed approval, pressure, impersonation of real lenders), how to verify a lender or broker, and what to do if you have been targeted.
- [How to write a business plan for a loan](https://businessloanbroker.ai/guides/how-to-write-a-business-plan-for-a-loan/): The nine sections of a lender ready business plan, what underwriters read first, typical length by lender type, the mistakes that get plans set aside, and how to draft with AI and check by hand.
- [SBA business plan template](https://businessloanbroker.ai/guides/sba-business-plan-template/): Full SBA business plan template with guidance per section, what 7(a) lenders and microloan intermediaries require, the forms (1919, 413) and financial attachments by loan size, and how to fill it with AI from your documents.
- [ChatGPT and Claude prompts for a lender ready business plan](https://businessloanbroker.ai/guides/chatgpt-business-plan-prompts/): Nine copy ready prompts for ChatGPT or Claude, one per business plan section, each asking for specific numbers and sources; what to paste in first, what to verify by hand, and why generic AI plans fail with lenders.
- [Financial projections for a business loan](https://businessloanbroker.ai/guides/financial-projections-for-a-business-loan/): How to build financial projections for a business loan: the four statements lenders want, bottom up revenue assumptions, showing the loan payment and DSCR, underwriter reasonableness checks, the assumptions page, and startup differences.
- [Best Claude connectors for small business owners](https://businessloanbroker.ai/guides/best-claude-connectors-for-small-business/): Twelve Claude connectors a small business owner actually uses, grouped by job, with what each lets Claude do, cost, permissions to watch, how to add a custom connector and how consent works. Includes our own connector, named plainly.
- [Best ChatGPT apps and connectors for small business owners](https://businessloanbroker.ai/guides/best-chatgpt-apps-for-small-business/): Twelve ChatGPT apps, connectors and custom MCP connectors a small business owner actually uses, grouped by job, with what each lets ChatGPT do, cost, admin requirements and the consent model. Includes our own connector, named plainly.
- [AI agents for business finance: what they can do today](https://businessloanbroker.ai/guides/ai-agents-for-business-finance/): What an AI agent can and cannot do for a small business owner's finances today, the consent model that makes it safe, a readiness table of tasks, how to start with one task, and the honest risks: hallucinated numbers, over permissioned tools, vendor lock in.
- [Business loan payment calculator](https://businessloanbroker.ai/tools/business-loan-calculator/): Business loan payment calculator: payment, total repaid and total interest.
- [SBA loan calculator](https://businessloanbroker.ai/tools/sba-loan-calculator/): SBA 7(a) loan calculator with prime plus spread, term and guarantee fee.
- [Merchant cash advance true cost calculator](https://businessloanbroker.ai/tools/mca-true-cost-calculator/): Merchant cash advance calculator: payback, cost, remittance and approximate APR from a factor rate.
- [How much can I borrow?](https://businessloanbroker.ai/tools/how-much-can-i-borrow/): Borrowing capacity estimate by product from revenue, debt, time in business and credit.
- [DSCR calculator](https://businessloanbroker.ai/tools/dscr-calculator/): DSCR calculator with bank (1.25) and SBA (1.15) verdicts and the extra debt service you could carry.
- [Business plan for a loan, built with AI](https://businessloanbroker.ai/tools/business-plan-for-a-loan/): Free business plan builder for a loan: a lender ready outline from ten answers and a prompt for Claude or ChatGPT.
- [Financial projections for a business loan](https://businessloanbroker.ai/tools/financial-projections/): Free 12 month cash flow projection builder with the loan payment and DSCR, exportable as CSV.

## Choosing by industry or situation
- [Business loans by industry](https://businessloanbroker.ai/industries/): Why lenders treat industries differently, which products fund each industry most often, and links to a guide for each of 17 industries.
- [Business loans for your situation](https://businessloanbroker.ai/situations/): Straight answers for 14 common borrowing situations: who will still lend, who will decline, what it costs compared with a standard borrower, and how to improve your odds.
- [Compare business financing options](https://businessloanbroker.ai/compare/): Index of side by side comparisons of business financing products and application paths, each with a verdict, a comparison table and a worked cost example.
- [Business loan glossary](https://businessloanbroker.ai/glossary/): Plain definitions, worked examples and typical ranges for 14 business lending terms owners see on term sheets and loan offers.

## Company and legitimacy
- [Verify who is behind BusinessLoanBroker.ai](https://businessloanbroker.ai/verify/): Legitimacy page: legal entities, founding, attestations, press coverage, third party profiles, track record, and how to confirm a message or site is really from us.
- [About BusinessLoanBroker.ai](https://businessloanbroker.ai/about/): BusinessLoanBroker.ai is a business only loan application site powered by Levr, free for the business, with a lender in every category and an MCP server so AI assistants can apply on your behalf.
- [How we make money](https://businessloanbroker.ai/how-we-make-money/): BusinessLoanBroker.ai is free for the business; lenders pay when a loan funds, at the same rate whichever lender you choose, and applications are never sold as leads.
- [Security and how we handle your data](https://businessloanbroker.ai/security/): How BusinessLoanBroker.ai protects applications and documents: encryption, access controls, OAuth consent for AI assistants, lender sharing only with approval, and no data sales.
- [For business loan brokers](https://businessloanbroker.ai/for-brokers/): BusinessLoanBroker.ai serves businesses; brokers and lenders use Levr, the platform behind it, which is free for brokers with lenders in every category, white label, MCP and API.
- [Disclosures](https://businessloanbroker.ai/disclosures/): BusinessLoanBroker.ai is not a lender; lenders set rates, terms and approvals; site estimates are typical ranges, not offers; applications are shared only with your approval.

## Optional
- Full text of every page: https://businessloanbroker.ai/llms-full.txt
- Sitemap: https://businessloanbroker.ai/sitemap.xml
- Levr (the platform behind this service, for brokers and lenders): https://levr.ai/
- Levr developer docs and OpenAPI spec: https://docs.levr.ai/ and https://docs.levr.ai/generated/openapi.json