Working capital
General-purpose funding for cash-flow gaps, payroll cycles, and daily operations.
Best whenRevenue is steady, timing isn't.
Business funding & commercial finance
Business funding built around your business.
Bearum is a U.S. business finance broker that organizes your funding request and places it with independent providers. One application, one document package, with options across working capital, lines of credit, term loans, equipment financing, invoice financing, commercial real estate and SBA programs.
- No cost to apply
- Credit review takes 2–3 minutes
- No credit pull until you authorize it
- We never ask for bank logins
A broker, not a lender
We place your request with independent providers.
Seven funding structures
Working capital through SBA and commercial real estate.
One document package
Prepared once, formatted for provider review.
Open advances welcome
Existing positions get disclosed, not disqualified.
Funding options
Seven structures. One application.
Every option below runs through the same request. If you're not sure which one fits, take the last tile — we'll structure it once we've seen the numbers.
Line of credit
Revolving access you draw against as needed, instead of taking it all up front.
Best whenYou need availability, not a lump sum.
Term loan
A fixed amount on a set schedule. Used for expansion, refinancing, or acquisition.
Best whenThe spend is planned and one-time.
Equipment finance
Funding tied to the machine, vehicle, or system itself. Quotes and estimates both work.
Best whenThe asset produces the revenue.
Invoice financing
Advance against open invoices so long payment terms stop dictating operations.
Best whenCustomers pay net-30 or slower.
Commercial real estate
Financing to purchase, refinance, or improve commercial property.
Best whenThe property is the collateral.
SBA loan
Government-guaranteed programs through participating lenders. Longer, different economics.
Best whenYou can trade speed for terms.
Not sure yet?
Apply without picking a product. We review the numbers, then explain what fits and why.
Best whenYou want it explained first.
Funding estimate
See what your revenue could support.
Get an illustrative working-capital estimate based on your business profile. It takes about 20 seconds, and you don't need to give us your contact details to see it.
Estimated funding range
Choose your time in business and approximate credit to see an estimate.
Based on the information entered, your business may fit working-capital programs within this approximate range.
Check my funding optionsFunding estimates are illustrative only and are not an approval, offer or commitment to fund. Actual availability, amounts, pricing and terms are determined by participating funding providers after underwriting.
Your estimated range
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Want us to check which funding programs may actually fit?
Four details and we'll take it from there. We already have your revenue, time in business, and credit range — no need to repeat them.
Secure verification helps us protect this inquiry from automated abuse.
Your funding estimate is ready
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We have your details. Want Bearum to evaluate the actual request? The full application takes about fifteen minutes and your progress saves as you go.
Estimates are illustrative only and are not an approval, offer or commitment to fund.
Requested amount—
Illustrative total payback—
Estimated payment—
Illustrative planning tool only. The 1.40 total-payback factor is not an interest rate, APR, quote or offer. Actual factor rates, terms and payment schedules vary by provider and underwriting. Daily estimates use approximately 21 business-payment days per month; weekly estimates use approximately 4.33 weeks per month.
Optional credit review · 2–3 minutes
Know where you stand first.
Your credit position decides which structures are realistic. Two or three minutes now means you walk into the application already knowing what to expect — and it's entirely optional.
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Takes about 2–3 minutes. You can do it before you apply, or skip it entirely.
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Runs through our credit-reporting partner, separate from the funding application.
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Submitting the Bearum application does not automatically pull credit. The final step asks for authorization so Bearum and participating providers may obtain consumer or business credit reports during review.
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The report is yours to keep. Bring it with you when you apply.
2–3 minutes
Separate from your application
Opens our credit-check partner in a new tab. Set up your login, and your report comes back right away.
Review my credit Skip ahead and apply→Provided by an independent third party under its own terms and privacy policy. Bearum does not provide credit repair or credit counseling services.
How it works
Four stages, in order.
Each stage depends on the one before it. Complete documents at stage two are the single biggest factor in how fast stage three moves.
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Apply
The six-step application covers your business, ownership, funding request, financials, documents, and signature. Progress saves as you go.
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Verify
Four consecutive bank statements and a photo ID get uploaded and packaged. We flag anything missing before it reaches a provider.
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Match
We review revenue, use of funds, and any open advances, then place the request with providers whose criteria it actually meets.
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Decide
Options come back with structure and cost explained side by side. You choose whether to move forward. Nothing happens automatically.
What you'll need
Gather these first.
Applications stall on incomplete documents more than anything else. Everything here is uploaded inside the application — you never send it by email.
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Four business bank statements Consecutive completed periods, every page included.
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Government-issued photo ID All four corners visible and currently valid.
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EIN and formation details Legal name, entity type, formation state, and start date.
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Owner information The authorized signer, plus any owner holding 20% or more.
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Month-to-date activity (optional) Helpful when the current month is materially underway.
Upload documents only. Never provide bank passwords, access codes, or debit-card images — to Bearum or to anyone claiming to represent us.
Straight terms
Two things worth knowing upfront.
How we get paid, and how your information is handled. Neither one is buried in a footer.
How Bearum gets paid
- Bearum may receive compensation from the funding provider when a transaction is funded.
- Compensation is disclosed to you before you accept any offer.
- There is no cost to submit an application or to receive options.
- Provider compensation does not require you to accept any offer.
How your information is handled
- Documents are uploaded inside the application, never sent over email.
- Social Security numbers are masked on screen and excluded from browser storage.
- We never ask for online banking credentials, PINs, or card images.
- Your signed application goes only to providers reviewing your request.
FAQ
Straight answers.
Is Bearum the lender?
No. Bearum is a business finance broker. Financing products are offered by independent third-party providers and are subject to their underwriting, approval, verification, and terms.
Will applying affect my credit?
Filling out the application does not pull credit on its own. Credit review begins only after you sign the authorization in the final step, which permits Bearum and its financing providers to obtain consumer and business credit reports. The 2–3 minute credit review offered on this page is a separate, optional service run through our partner.
How long does the whole process take?
The application itself runs about fifteen minutes. After that it depends on the provider, the structure, and how complete your documents are. SBA programs run longest; working capital and equipment finance typically move fastest.
I already have a merchant cash advance. Am I disqualified?
Not automatically. The application asks you to disclose open advances specifically so we can work around existing payments instead of proposing something you can't carry. Incomplete disclosure is what causes problems later.
What are the minimum requirements?
They vary by provider and by structure. The application collects your gross monthly revenue and business start date, which are the two factors that most often determine which options are available to you.
Does submitting an application guarantee funding?
No. Submission does not guarantee approval, an offer, a rate, or a funding timeline. All options remain subject to provider underwriting and terms.
Can I stop partway through and come back?
Yes. The application saves your progress as you complete each step, so you can gather a missing statement and pick up where you left off.
Ready when you are
Review your credit, or go straight to the application.
Neither one commits you to anything.
Credit review takes 2–3 minutes. The application takes about fifteen.