BusinessCashAdvance.com

What BusinessCashAdvance.com does

BusinessCashAdvance.com, operating under the legal name SBA.com and the DBA 'Small Business Advice,' is a privately held digital lead-aggregation and loan-marketplace business headquartered at 40 E Main St. #110, Newark, Delaware, with firmographic data listing Coral Springs as an additional location reference. Founded in 2002 and employing 101–250 staff, the firm operates a multi-step Borrower Portal (hosted at loans.sba.com/get-started/) that captures detailed small-business financial information—including requested amount, loan purpose, time in business, monthly sales, bank-account balance, entity type, industry category, and personal credit score—and then routes qualified applicants to a network of lender partners. The company explicitly disclaims any affiliation with the U.S. Small Business Administration (SBA.gov); its trading name and domain are independent commercial assets, creating both brand recognition and reputational risk.

The underlying technology is an online application platform rather than a lending or underwriting system. The portal structures intake into five discrete steps (Basic Info, Owner Info, Business Info, Documents, Submit) that produce lead records enriched with use-case, segment, and credit-quality signals. Consent language authorizes sharing applicant data with up to five network partners and marketing partners (named: MarketingSolutions33), with Lendio identified as the primary downstream routing partner where loan eligibility, processing, and credit decisions are made.

Revenue is generated exclusively through affiliate/referral fees. SBA.com is not a lender, broker, or agent, does not accept loan applications or make credit decisions, and does not set loan terms, rates, or fees; instead, the firm monetizes each captured lead when matched borrowers originate loans through partner lenders. The addressable customer is the US small-business owner—including sole proprietors, LLCs, S/C/B Corps, LLPs, and non-profits—seeking loans from $1,000 to over $1M for purposes such as expansion, working capital, payroll, equipment, real estate, franchise purchase, partner buyouts, startup funding, and accounts-receivable financing. Distribution is entirely digital, relying on organic/paid web traffic rather than physical branches or field sales.

Name

BusinessCashAdvance.com

Legal name

SBA.com

Website

https://BusinessCashAdvance.com

Company type

Private

Founded year

2002

Operating status

Operating

Headcount range

101–250 employees

Short description

BusinessCashAdvance.com (SBA.com) is a private digital loan marketplace that routes small-business borrower applications through a multi-step online portal to a network of up to five lender partners, including Lendio, earning referral fees on originated loans.

Ownership category

akta.pro rank

Product category

Small Business Lending Marketplace

NAICS

Mortgage and Nonmortgage Loan Brokers (52231), Mortgage and Nonmortgage Loan Brokers (522310), Activities Related to Credit Intermediation (5223)

SIC

Loan Brokers (6163), Short-Term Business Credit Institutions (6153)

akta.pro industry

PRIMARYFSAEAEAI

SBA/USDA Government-Backed Loan Intermediation

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Mortgage Brokerage & Loan Intermediation

SECONDARYFSAKAGAD

Merchant Cash Advance (MCA) & Revenue-Based Financing

Financial & Insurance/Lending & Consumer Finance/Small Business & Microenterprise Lending

SECONDARYFSAKAGAI

SBA/Government-Backed & Development Finance Loans

Financial & Insurance/Lending & Consumer Finance/Small Business & Microenterprise Lending

Keywords

• Small business loans
• Loan matching platform
• Business cash advance
• Lead generation marketplace
• Borrower referral service

Headquarters

HQ city

Coral Springs

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Marketing or Sales, Technology or R&D, Personnel, Operations

Revenue model

1. Referral/Lead Generation Fees: SBA.com generates revenue by collecting borrower information through its online application form and sharing that data with up to five network partners (lenders). The company earns referral fees when borrowers are matched with and originate loans through partner lenders. The consent language indicates the company shares information with marketing partners and network partners for financial services products.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels2 records

Core offering

BusinessCashAdvance.com (SBA.com) operates a Borrower Portal — a multi-step online application that collects small business financial and owner information and routes qualified applicants to network lender partners such as Lendio for loan offers. The company is not a lender and does not make credit decisions; it monetizes by referring borrower leads to partner lenders and sharing application data with up to five network/marketing partners for financial services products. Loan amounts facilitated range from $1,000 to over $1 million for use cases including working capital, expansion, equipment, real estate, payroll, franchise, startup, and accounts receivable financing.

Product overview

SBA.com operates a Borrower Portal as its primary offering - a multi-step loan inquiry form designed to collect small business financial information and connect applicants with lenders through its network partner Lendio. The portal is structured as a five-step process: Basic Info, Owner Info, Business Info, Documents, and Submit. It is not a direct lender but serves as an intermediary platform that collects borrower information and shares it with up to five network partners for loan offer purposes.

Differentiator

Problem solved

Functional benefit

Products and services

• Borrower Portal — Get a Small Business Loan A multi-step online loan application form for U.S. small business owners (LLCs, LLPs, sole proprietors, S/C/B Corps, non-profits) that collects business financials (loan amount $1K–$1M+, purpose, time in business, monthly sales, bank balance, entity type, industry, personal credit score) and owner contact details, then routes the application to partner lenders such as Lendio for loan offer processing. The company explicitly does not lend, broker loans or make credit decisions and shares borrower information with up to five network and marketing partners.

Segments1 record

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• LendiocoreChannel Partner/ Reseller/ DistributorLendio is the primary network partner to which SBA.com routes completed loan applications. When borrowers submit the SBA.com application form and click 'Next', they are redirected to Lendio's website where loan processing, eligibility determination, and credit decisions occur. SBA.com explicitly states it shares application information with Lendio for purposes of obtaining loan offers. Lendio's privacy policy governs the subsequent use of borrower data.

Recent moves3 records

Expansion highlights1 record

Broad incumbents

• LendingTree: Large incumbent multi-product loan marketplace (personal, mortgage, business, auto). Overlaps with SBA.com's marketplace model but operates across many verticals at much greater scale.
• NerdWallet: Personal finance comparison platform with a small business lending vertical (via Fundera). Comparable funnel of intent-driven traffic matched to lender offers across financial products.

Emerging players

• BlueVine: SMB-focused fintech offering lines of credit, invoice factoring, and business checking. Competes for the same borrower demographic and intersects with SBA.com's working capital and A/R financing use cases.
• Credibly: Direct SMB working capital and MCA provider that also distributes leads through partners. Comparable borrower profile and product mix (working capital, expansion financing).
• CAN Capital: SMB working capital and MCA lender serving similar small business borrower segments as SBA.com's 'Business Cash Advance' positioning, with overlapping customer use cases.

Direct peers

• SmartBiz: SBA-focused online loan marketplace that streamlines SBA loan applications and matching with bank partners. Closely comparable in funnel design and SBA-loan intermediation focus.
• Lendio: Largest SMB loan marketplace in the U.S., routing borrower applications to a network of lenders. Direct overlap in product, customer, and marketplace mechanics, and SBA.com's core channel partner.
• Biz2Credit: Online SMB lending marketplace connecting borrowers to a network of banks and alternative lenders, including SBA loans. Direct competitor in SMB loan intermediation.
• Fundera: SMB loan marketplace (now owned by NerdWallet) that matches small business owners with multiple lending products through a single application. Closely comparable model to SBA.com's lead-aggregation funnel.

Others

• Accion: Small business lender and advisory organization supporting underserved SMB borrowers. Adjacent to SBA.com's mission and target segment, with overlap in start-up and micro-business financing use cases.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat2 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/bizcashadvance
• Facebookfacebook.com/businesscashadvances
• LinkedInlinkedin.com/company/business-cash-advance-com

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about BusinessCashAdvance.com