Unlock cash trapped in unpaid invoices or qualify for an SBA 7(a) loan with flexible terms. Apply online in minutes — funding decisions in as little as one business day.
Whether you need to bridge cash flow today or invest in long-term growth, we have a financing solution built around your business — not the other way around.
Invoice Factoring
Stop waiting 30, 60, or 90 days to get paid. Sell your outstanding B2B invoices and receive up to 95% of their value within 24 hours.
SBA 7(a) / UCC Loan
The U.S. Small Business Administration's flagship loan program — partially government-guaranteed for lower rates, longer terms, and bigger amounts than traditional financing.
Complete a quick application with basic business details. No fees, no commitment, and no impact on your personal credit score to check options.
A dedicated U.S.-based funding advisor reviews your file and matches you with the financing structure that best fits your goals and cash flow.
Factoring advances can hit your account in as little as 24 hours. SBA 7(a) loans typically close in 30–45 days with full documentation.
Headquartered in San Diego, California, maikrr loans was built by operators who got tired of watching great businesses get crushed by slow bank timelines and inflexible terms. We combine modern underwriting technology with real, human advisors who pick up the phone.
Most factoring approvals issued same-day. SBA pre-qualifications inside 48 hours.
No call-center hand-offs. Your advisor stays with you from application to payoff.
No surprise fees, no origination tricks. You see the all-in cost before you sign.
Direct access to PLP lenders that can approve SBA 7(a) deals without district-office delays.
"We were sitting on $400K of unpaid invoices from a Fortune 500 customer with net-90 terms. maikrr funded us in 26 hours. Payroll handled, and we landed two new contracts that month."
"Two banks turned down our SBA 7(a) application before our advisor at maikrr got it approved at $1.4M. They knew exactly which lender would say yes — and how to package the file."
"Honest, fast, no nonsense. They walked me through every fee before I signed and there were zero surprises. I'd refer any business owner in a heartbeat."
Don't see your question? Call (833) 564-4818 or email help@maikrr.ai and speak with a real advisor in San Diego.
Factoring is the sale of your unpaid B2B invoices for immediate cash — there's no debt added to your balance sheet, and approval is based on your customers' credit. An SBA 7(a) loan is a traditional term loan partially guaranteed by the U.S. Small Business Administration, with longer terms (up to 25 years) and competitive rates secured by a UCC-1 filing on business assets.
Factoring advances are typically wired within 24 hours of invoice verification. SBA 7(a) loans require more documentation and usually close in 30–45 days, though pre-qualification can be issued in 48 hours.
Factoring rates start at 0.5–3% per 30 days depending on volume, customer concentration, and industry. SBA 7(a) rates are tied to the Prime Rate plus an SBA-allowed spread — fully transparent and disclosed in writing before you sign.
For factoring: a U.S. business invoicing other businesses, $25K+ monthly receivables, and customers with reasonable credit. For SBA 7(a): a for-profit U.S. business under SBA size standards, 2+ years operating history preferred, and demonstrated ability to repay.
No. Pre-qualification uses a soft credit pull with no impact on your personal credit score. A hard pull is only performed if you accept formal SBA loan terms.
A UCC-1 is a standard public notice filed with the Secretary of State that secures a lender's interest in business assets used as collateral. It's a routine, non-invasive part of nearly all business financing.
Tell us a little about your business and we'll have a funding advisor reach out the same business day. Zero obligation. Zero credit impact to start.