Alchemy Lending
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Get your quote within minutes.
Get your funds in as little as two days.

Will not affect your credit score*

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Small Company Loan

Get all your capital up front, 3 months -3 years terms. Fixed monthly payments, no prepayment penalties. Get matched with low cost small business lenders.

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Satisfied Customers!

Businesses love Alchemy Lending. Transparency and friendly service. See what our customers have to say.

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Questions? Call One of Our Representatives

212-601-2841 M-F / 9:30am-5pm EST

Fixed rates ranging from 4.50% to 29.99% for loans. Averages are based on a 1 year offer. Best interest rate available to borrowers with excellent credit and financial strength.

Join the hundreds of thousands of people who've received company loans

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95% of clients who facilitated loan through Alchemy would recommend to a friend or family.

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You're not "a loan"

You'll have your own, dedicated account manager that will answer your questions either through phone or emails 212-601-2841 M-F between 9:30am-5pm EST.

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A good deal

4.5% for best borrowers.  No prepayment penalties, no daily payments

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Financing internet speed

Apply in under 5 minutes and receive multiple quotes.

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How It Works

1

Apply

Answer simple questions about your business.

2

Select

Choose the loan that best fits your financial needs.

3

Go

Access the cash that is deposited into your account.

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Benefits of a small company loan through Alchemy

Get a decision in minutes. You'll get money in your account and enjoy predictability with fixed, low monthly payments that will build and expand your business credit.

Business Lending Reviews

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What we look for

✔︎ 6 months or more in business

✔︎ At least $50,000 in annual sales or $100,000 in the corporate bank account

✔︎ No recent bankruptcies or tax liens

✔︎ You own at least 25% of the business and have at least fair or better personal credit

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What we don't need

✘ Business plans or projections

✘ Visits to your business

✘ Insurances

A loan you can trust

Alchemy Lending vs. the competition

Typical company loan from a leading online lender
Repayment Term3 months – 3 years (means lower monthly payments)Typically less than a year
Type of RateFixed interest rate simple and transparentFactor rate. This is not an interest rate and can make expensive loans appear cheaper1
Origination Fee0%2.5%
Early Pay Off$0. You can eliminate interest costs by paying off any timeYou're charged interest for the entire loan - even if you pay off early2
Monthly payment per $10,000 borrowed3$227 - $1,781$509 - $3,900 (Daily payments required)
Total Annualized Rate44.50% - 29.99%35% - 99%

Repayment Term

3 months – 3 years (means lower monthly payments)

Type of Rate

Fixed interest rate simple and transparent

Origination Fee

0%

Early Pay Off

$0. You can eliminate interest costs by paying off any time

Monthly payment per $10,000 borrowed3

$227 - $1,781

Total Annualized Rate4

4.50% - 29.99%
Typical company loan from a leading online lender

Repayment Term

Typically less than a year

Type of Rate

Factor rate. This is not an interest rate and can make expensive loans appear cheaper1

Origination Fee

2.5%

Early Pay Off

You're charged interest for the entire loan - even if you pay off early2

Monthly payment per $10,000 borrowed3

$509 - $3,900 (Daily payments required

Total Annualized Rate4

35% - 99%
  1. Factor rate is the financing cost divided by the loan amount - but that’s not how traditional interest rates work. For example, if you pay 30 cents for a one-year loan of one dollar, your factor rate is 30% but is equivalent to a 55% interest rate! Factor rates can make short-term loans appear less expensive than a traditional interest rate would.
  2. These loans require you to repay a fixed amount of interest, so paying off early won't save you any money. In fact, it can increase your effective interest rate to 200% or more.
  3. Payments calculated based on range of interest rates and repayment terms offered, assuming a loan amount of $10,000.
  4. Total Annualized Rate shows all costs for one year in a single equivalent interest rate so that you can make apples-to-apples comparisons.