Business Loan Planning & Funding

Getting a business loan doesn't have to feel like a second job. At Finiacq, we work with small business owners across the US to find funding that actually fits — not just whatever a single bank happens to offer. This case study walks through how we helped a growing retail business secure $85,000 in working capital in under two weeks.

Client Background

Our client ran a three-location home goods retail business in the Pacific Northwest. Revenue was solid — about $1.2M annually — but cash flow was tight heading into their busiest season. They needed inventory capital fast and had already been turned down by their local bank because of a thin credit file from their early years. A friend referred them to Finiacq. They came in skeptical. They left funded.

Challenges We Navigated

• Thin credit file: The business had strong revenue but limited credit history from its early bootstrapped years. Most traditional lenders stopped there. We didn't.
• Tight timeline: Inventory orders had a hard deadline. We needed to move fast without cutting corners on finding the right loan terms.
• Previous bank rejection: The client had already been told no once, which made them understandably cautious about going through the process again.

How We Got It Done

• Free rate check: We ran a soft inquiry first — no credit score impact — to see which lenders in our network were likely to say yes.
• Multiple offers, one application: Instead of applying to lenders one at a time, the client got matched to several simultaneously.
• Dedicated support: A Finiacq advisor walked them through every offer, explained the terms clearly, and answered questions without the sales pressure.
• Funded in 11 days: From first conversation to funds in account — 11 business days. The seasonal inventory was ordered on time.