Bank Statement Loan Programs

These loan programs are based on bank statements’ deposit. We use the gross deposits to determine your loan amount.

We can fund up to $5M+ in loan based on your deposit.

Business Loan-Name Your Term Loan

  • Request the amount of loan you need, the interest rate and the years the loan is amortize
  • Must gross $15,000 per month for each of the 4months bank statements
  • Loan Amount is up to $350,000
  • Need 4 Most Recent Months of Bank Statements
  • No Credit Score require
  • Loan is funded thru a Peer Funding Group
  • Interest Rate as low as 3.99
  • Up to 5 years Term Loan

Merchant Cash Advance

  • Minimum 3 months in business
  • No Minimum credit score to qualify (But if you have a credit score, the better your credit score the better the rate and terms)
  • Need 3 months credit card processing ( if this is applicable)
  • Need 3 months bank statements
  • Loan is 5K to 5M
  • Minimum deposit of $10,000 per month

Term Loan- Using Bank Statements

  • Must be in business for 2 years and have two years income tax (doesn’t need to cashflow; just need to show 2 years history)
  • Need 6 Most Recent Months of Bank Statements
  • Minimum deposit of $20,000 per month
  • Loan will be converted to Term loan after two months of MCA payments

Refinancing MCA Loan To Term Loan- Using Bank Statements

  • Must be in business for 1 yr or longer
  • Consolidate all your MCA loans into one term loans
  • Need 12 Most Recent Months of Bank Statements
  • Minimum deposit of $20,000 per month
  • Terms are 1 to 3 years Amortization

Complete Our Online Form

Aug 21, 2018
I had a real hard time getting a loan. I talk to my local banker and I was declined. I found E-Funding Company online. I was really skeptical. After working with E-Funding Company, I got funded. E-Funding Company is the real thing. I am very happy with their services and recommend anyone that wants funding to call them.

Dan H.

Aug 19, 2018
I heard about E-funding Company through a friend that used their services and she really spoke highly of this company. So i decided to give it a try, and since conducting business through E-funding i have not had any issues with other lenders. E- Funding was able to get me funding that i need from lenders in order to rehab my home. I am greatly appreciative of E-Funding and plan to do more business with them in the near future.


Jun 05, 2018
I had a great experience working with E-Funding. Kay is very knowledgeable, and professional. She was always available when I needed assistance. I would absolutely recommend E-Funding to my family and friends. It’s a wonderful service.

Nicola Black

We are a nation wide business consultant

About Us

E-Funding Company was created to work with individuals whether they are just starting their business or are owners of established businesses to get the funding they require even when they have been turned down by traditional lenders. 


 ​277 Coon Rapids Boulevard Ste 402, Coon Rapids, Minnesota 55433 USA


Office:  1-888-999-1493