Start with the request
The form asks for the essentials a funding partner needs to gauge fit: industry, location, revenue range, time in business and the use of funds. Nothing sensitive is collected on the public site.
Nationwide directory
Business funding directory: states, cities, products and amounts
Short answer
Small businesses in every state we serve can access working capital, term loans, lines of credit, SBA loans, equipment financing, factoring and revenue-based financing through Now Biz Fund's funding partners. Start with a funding inquiry, then confirm the chosen provider's application requirements, credit checks and timeline.
This directory is the map of Now Biz Fund's local funding pages. It covers nine states and one hundred eight cities, with a hub for each state, a hub for each city, eighteen industry guides per city and product pages by state and by major city. Use it to find the page closest to your business, or start with a product or amount if location matters less than structure.
9 states108 cities8 products18 industries per city
How to use this directory
Start with your state if you want the rules that apply to every business there: whether the state requires cost disclosures on commercial financing, which SBA district offices serve it, and how its economy shapes typical requests. California, New York and Florida have disclosure laws that materially change how offers should be compared; the other six states do not, which makes asking the right questions more important.
Go to your city if you want local context: the industries that dominate, the business corridors where owners operate, the kinds of requests we see most, and links to the eighteen industry guides and the product pages written for that market. Each of the one hundred eight city hubs is written individually rather than generated from a form letter.
Start with a product if you already know what you need. Product pages exist for all eight products in every state and in seventy of the larger cities, each with the published market range, timing, minimums, documents and a payment estimator. And if the amount is the fixed point, the nine amount pages explain which products tend to fit each size of request.
Whichever page you land on, the process is the same: a short eligibility form that does not use a hard credit pull, a conversation with a specialist about the realistic options, and, if there is a fit, a private application that goes to multiple funding partners at once. Now Biz Fund is not a lender; the ranges on these pages are published market guidelines, never offers.
Browse the index
Browse by state
Each state hub covers the state's economy, whether it requires cost disclosures on commercial financing, its SBA district offices, every product page for the state and every city hub within it.
California26 city hubs · CA state hub · 8 product pagesColorado7 city hubs · CO state hub · 8 product pagesIllinois10 city hubs · IL state hub · 8 product pagesMassachusetts9 city hubs · MA state hub · 8 product pagesNew York13 city hubs · NY state hub · 8 product pagesPennsylvania11 city hubs · PA state hub · 8 product pagesWashington8 city hubs · WA state hub · 8 product pagesTexas12 city hubs · TX state hub · 8 product pagesFlorida12 city hubs · FL state hub · 8 product pages
Local markets
Browse by city
Every city hub is written individually: the local economy, business corridors, dominant industries, typical funding uses, eighteen industry guides and the product pages that apply.
California
Anaheim, CABakersfield, CABerkeley, CAChula Vista, CAElk Grove, CAFremont, CAGlendale, CAIrvine, CALong Beach, CALos Angeles, CAModesto, CAOakland, CAOceanside, CAPasadena, CARiverside, CARoseville, CASacramento, CASan Bernardino, CASan Diego, CASan Francisco, CASan Jose, CASan Mateo, CASanta Ana, CASanta Clara, CAStockton, CASunnyvale, CA
Colorado
Illinois
Massachusetts
New York
Pennsylvania
Washington
Texas
Florida
The eight products, compared
These are the products Now Biz Fund arranges in every state and city above. The figures are published market guidelines as of September 2026, compiled from lender and marketplace disclosures; they are not Now Biz Fund offers, and the terms a funding partner actually extends depend on its underwriting. Product pages exist for every product in each state and in the larger cities.
| Product | Amount to discuss | Time to fund | Pricing structure | Eligibility review |
|---|---|---|---|---|
| Merchant cash advance | Provider-specific; size to repayment capacity | Provider-dependent; confirm availability of funds | Contracted remittance amount and fees; a factor rate is not APR | Operating-history requirements vary by provider; Ask which personal and business credit checks apply |
| Business term loan | Provider-specific; size to repayment capacity | Provider-dependent; confirm availability of funds | Quoted interest and fees; compare net proceeds and total repayment | Operating-history requirements vary by provider; Ask which personal and business credit checks apply |
| Business line of credit | Provider-specific; size to repayment capacity | Provider-dependent; confirm availability of funds | Interest or installment fees by provider; check draw and maintenance charges | Operating-history requirements vary by provider; Ask which personal and business credit checks apply |
| SBA loan | Program-specific; 7(a) maximum $5 million | Provider-dependent; confirm availability of funds | Lender-negotiated interest subject to applicable SBA program limits; fees may apply | Operating-history requirements vary by provider; Ask which personal and business credit checks apply |
| Equipment financing | Provider-specific; size to repayment capacity | Provider-dependent; confirm availability of funds | Loan interest or lease payments; compare deposit, fees and ownership terms | Operating-history requirements vary by provider; Ask which personal and business credit checks apply |
| Invoice factoring | Provider-specific; size to repayment capacity | Provider-dependent; confirm availability of funds | Contracted invoice fee, fee period, reserve and any additional charges | Provider assesses business and eligible invoices; Customer and owner checks depend on the agreement |
| Revenue-based financing | Provider-specific; size to repayment capacity | Provider-dependent; confirm availability of funds | Contracted repayment cap and fees; check revenue reconciliation terms | Operating-history requirements vary by provider; Ask which personal and business credit checks apply |
| Working capital loan | Provider-specific; size to repayment capacity | Provider-dependent; confirm availability of funds | Quoted interest or factor pricing and fees; compare the complete payment schedule | Operating-history requirements vary by provider; Ask which personal and business credit checks apply |
Merchant cash advance in CaliforniaBusiness term loan in CaliforniaBusiness line of credit in CaliforniaSBA loan in CaliforniaEquipment financing in CaliforniaInvoice factoring in CaliforniaRevenue-based financing in CaliforniaWorking capital loan in CaliforniaMerchant cash advance in New YorkBusiness term loan in New YorkBusiness line of credit in New YorkSBA loan in New YorkEquipment financing in New YorkInvoice factoring in New YorkRevenue-based financing in New YorkWorking capital loan in New York
Funding by industry
Every city hub links eighteen industry guides written for that market. The examples below open the guide for one of the flagship metros; the same guide exists for each of the 108 cities in the directory.
Restaurant funding in Los AngelesHealthcare funding in DenverConstruction funding in ChicagoRetail funding in BostonSalon funding in New York CityTrucking funding in PhiladelphiaFast Business funding in SeattleBad Credit funding in HoustonCash Flow funding in MiamiAuto Repair funding in Los AngelesDental funding in DenverGym funding in ChicagoCleaning funding in BostonLandscaping funding in New York CityE-commerce funding in PhiladelphiaManufacturing funding in SeattleHospitality funding in HoustonReal Estate funding in Miami
Funding by amount
When the amount is the fixed point, start here. Each page explains which products tend to fit that request size, the published credit and timing guidelines, and what helps a review at that level.
Decide between products
The comparison pages put two products side by side on range, speed, credit guideline, structure and typical use, with a plain-language decision guide for each pair.
Equipment Financing vs Business Line of CreditEquipment Financing vs SBA LoanInvoice Factoring vs Revenue-Based FinancingBusiness Line of Credit vs Invoice FactoringBusiness Line of Credit vs Revenue-Based FinancingBusiness Line of Credit vs Business Term LoanMerchant Cash Advance vs Revenue-Based FinancingMerchant Cash Advance vs SBA LoanMerchant Cash Advance vs Business Term LoanMerchant Cash Advance vs Working CapitalRevenue-Based Financing vs Working CapitalSBA Loan vs Invoice FactoringSBA Loan vs Business Term LoanWorking Capital vs Business Term Loan
Process
How a funding specialist review works, wherever you are
A specialist calls with options
Rather than a generic offer, you get a conversation about which products fit your revenue pattern and use of funds, what the total cost would look like across the range, and what the partners would need to see. Expect this within a business day.
Decide with the numbers in front of you
If there is a fit, you complete a private application with bank statements and any product-specific documents. Offers are presented with total payback, term and payment schedule so they can be compared directly. Review, closing and funding times depend on the provider, product and completeness of the file.
Directory questions
Answers about the local pages.
Does submitting the form guarantee funding?
No. An inquiry starts a review and does not guarantee approval, an offer, a particular amount, price, or timeline.
What should I prepare?
Start with accurate business contact information, a revenue range, and the intended use of funds. Sensitive documents belong only in the private application portal when requested.
How quickly will someone respond?
Response time depends on request volume and the information provided. Complete contact details help the team follow up efficiently.
Why does the directory cover only nine states?
The city and state hubs are written for the markets where we see the most requests and can write with real local knowledge. Businesses in the other forty-one states are served through the same form and the same funding partners; only the local pages are missing, and more will be added as they are written.
Are the local pages different from one another?
Yes. Each city hub has its own description of the local economy, business corridors, dominant industries and typical funding uses, written individually. Product and amount guidelines are the same everywhere, because they are published market ranges that do not vary by city.
Does Now Biz Fund have offices in these cities?
No. Now Biz Fund works nationwide by phone, email and a secure online application and does not maintain public offices. The local pages provide context for owners in each market; they do not indicate a physical location.
What if my city is not listed?
Use the state hub for statewide context and the product or amount page closest to your need, then submit the same eligibility form. Location does not restrict the review; it only determines which local page we can point you to.
Which states require cost disclosures on business financing?
Of the nine states in this directory, California (SB 1235, administered by the DFPI), New York (the Commercial Finance Disclosure Law, administered by DFS) and Florida (the Commercial Financing Disclosure Law, enforced by the Attorney General, without an annualized rate) require disclosures on most non-bank commercial financing. Texas, Colorado, Illinois, Massachusetts, Pennsylvania and Washington do not have an equivalent statute as of this writing, so owners there should ask for the same figures in writing.
Now Biz Fund is a team of small-business funding specialists with more than five years in the industry, not a lender. Nothing in this directory is an offer or a guarantee of approval; every figure is a published market range, and every review starts with the same short eligibility form that does not use a hard credit pull.