How our small business loans work

Get approved for the working capital you need.

Applying is quick and simple

Creating an account is free and takes only minutes. After that, access your business line of credit so you can start growing your business immediately. You won't pay any fees until you draw against your line.

Apply, qualify, and access funds right away.

  • Safe and secure
  • No application fee
  • No obligation until you take cash
  • Ongoing access to cash anytime, 24/7
  • Find out how much you qualify for today!

Qualify for lines from $2,000 up to $150,000

Unlike traditional lenders, we approve businesses by looking at a variety of your business data in real time, not just a credit score. No paperwork, faxing, or waiting in line. During the application process you will be asked to link the business checking account that shows revenue deposits for an automatic business review.

Applying is fast and simple

Sage Small Business Loans provides you with ongoing access to funds. Draw against your line as often as once a day and pay only for what you take! With business credit lines up to $150,000, you can dip into your piggy bank anytime.

What will you do with your funds?

  • Buy inventory
  • Invest in equipment
  • Build a website
  • Hire staff
  • Whatever you need to grow

Get ongoing access to working capital

We've simplified the lending process. Get approved for lines from $2,000 to $150,000 and take working capital as often as once a day. Pay only for what you take. No hidden costs, no early payment fees.

How much do you want?

Get approved for up to
No early payment fees

Example loan

Loan amount
Length of loan
Total fee amount*
Total
Loan Amount
Length of Loan
Total Fee Amount*
Total
* Based on business performance data and credit history—no hidden costs. Still have questions? View our Frequently Asked Questions.

The cost of a Sage small business loan:

  • Fees are 1.5%-12%* of your selected loan amount. No early payment fees. Every month, you pay back 1/6 of the total loan (for six-month loans) or 1/12 of the total loan (for 12-month loans) plus the monthly fee. You can pay early and save.
  • Each draw is treated as an agreement between Celtic Bank and you. Draw against your line as often as once a day. Pay only for what you take.
*Maximum rate for each month is 12%. Third-party partners may occasionally charge up to an additional 1.5% for each month.

Term disclaimer: After you apply, we will inform you if your loan request qualifies for a six-month term or an optional 12-month term. A minimum loan of $10,000 is required for 12-month loan term. Eligibility for 12-month loan terms is subject to availability and can change based on underwriting criteria. Changes in future term availability does not affect outstanding loans.

Sample Payment Schedule

Draw against your line as often as once a day. Pay only for what you take!
 Loan 
 Loan 
  • Month 1
     
  • Loan
  • Fee
  • Month 2
     
  • Loan
  • Fee
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  • Loan
  • Fee
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  • Loan
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  • Month 5
     
  • Loan
  • Fee
  • Month 6
     
  • Loan
  • Fee
  • Month 1
     
  • Loan
  • Fee
  • Month 2
     
  • Loan
  • Fee
  • Month 3
     
  • Loan
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  • Month 4
     
  • Loan
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  • Month 5
     
  • Loan
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  • Month 6
     
  • Loan
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  • Month 10
     
  • Loan
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  • Month 11
     
  • Loan
  • Fee
  • Month 12
     
  • Loan
  • Fee

Totals

New Loan: Fees: Loan + Fees =

Totals

New Loan: Fees: Loan + Fees =

Your money is waiting

Apply now

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