Fast Online Approvals

Same Day Funding

No Prepayment Fees

Flexible payments

Calculate Your Rate

$10,000 $2,000,000
Prequalifying will not impact your credit score*
A soft credit inquiry, which is used during the prequalification process does not affect credit scores, so there is no risk in trying to find out whether you're at least in the ballpark for approval for a loan with Bonsai.
6 months60 months
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Funding that fits you

We've built a totally personalized experience

  • Checking your rates won’t affect your credit score
  • Our rates are often lower than the banks
  • We have simple online application
  • No early repayment fees, no hidden charges

Business loans for all purposes

Building a brighter financial future
Commercial Real Estate Financing
Commercial Real Estate Financing

We consider the market value of the property or future value, current and potential income generated and occupancy factor and use that information to secure financing.

Equipment Finance
Equipment Finance

Fair, Flexible Business Equipment Financing

Working Capital
Working Capital

Working capital, also known as operating capital, is the cash available for the day-to-day expenses of running a business.

Invoice Factoring
Invoice Factoring

Tired of playing the net 30-60-90 game? Unlock the Cash In Your Outstanding Invoices

98% of our customers left satisfied

You’re in good company
Miranda Kerr

“I used Bonsai to help me pay for travel expenses. The service was great – fast but still friendly. Fantastic and Painless Experience. Thank you.”

Miranda Kerr, Chicago
Chris Roll

“Their application process was quick and simple. In a short time I had the funds I needed to buy equipment for my new restaurant.”

Chris Roll, San Francisco
Jenifer Griffen

“These guys are always ready to help when you need it most. They helped me cover my company payroll while I was waiting to get paid on a job.”

Jenifer Griffen, Fort Lauderdale
James Barnes

“I think that Bonsai has been of great help in my case and I think as a new client it was fast approved and professionally handled. It was fast and easy.”

James Barnes, St. Louis

$275 million Funded to small business owners since 2018

2,500+Satisfied customers today

Resources that put you in control

Benefits to meet your needs

Regardless of the amount of working capital a business needs; our small business loans allow that flexibility. Qualified businesses can get access to working capital starting at $5,000 and ranging up to $1,000,000. The best part about our small business loans is that you can apply through your computer or smart phone.

  • Get up to $1,000,000 with basic information
  • Easy Online Application
  • Fast Decision
  • Cash Provided in just days
  • All Credit Scores Considered
Find out more
  • Get up to $100,000 with basic information
  • Easy Online Application
  • Fast Decision
  • Cash Provided in just days
  • All Credit Scores Considered
Find out more

Commercial Financing allows businesses grossing more then $1,000,000 yearly to receive a lump sum or a line of credit up to $5,000,000. Our commercial financing can help with business expansion, marketing budget, opening of new business location, buying new equipment, and so much more.

  • Get up to $5,000,000 with basic information
  • Easy Online Application
  • Fast Decision
  • Cash Provided in just days
  • All Credit Scores Considered
Find out more
Checking your rates in 3 minutes!

Use our app to see your personalised loan rates

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Live help

Get an answer on the spot. We’re online 8am – 7pm est Mon to Fri and 10am – 3pm est on Sat and Sun.

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anytime during business hours.

(954) 533-2327

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See answers to questions on how to use our services