thereal
Having access to our network of 100+ lenders helps us ensure you get the best possible rate.
We save you up to 10% in fees and dozens of hours by automatically submitting your application to 150+ lenders. Happy to help owners with bad or no credit.
It can be as simple as 1, 2, 3
Fill out one application that takes 2 minutes, no obligations and it won't affect your credit.
We work with a number of direct lenders to ensure you can choose the best possible terms for your loan.
If everything makes sense, the loan will be deposited into your account the following morning via ACH.
Fill out this form below and get your offers today. It is free and doesn't affect your credit.
✔️Many lenders, great options. Borrow $1,000 to $2,000,000. Payments are flexible.
✔️Streamlined process. Complete one free form in just 2 minutes to receive personalized offers for your business.
✔️Get the money you need. Repay credit card debt or finance an important expenditure. You decide.
Your data is protected
Most personal data is encrypted
We don't sell your data to anybody
We combine personal and online underwriting to make sure we can help every single business owner. You can contact us via email, phone number or the chat at any moment.
💰 Get paid within 24 hours
thereal specializes in ACH cash flow loans, it allows us fund clients as soon as the following business day.
🔎 No credit is required
We review your bank deposits instead of the credit score when evaluating your application. It helps hundreds of business owners who was not able to maintain good credit overtime.
🚀 Get offers from multiple lenders
Direct lenders charge as much as they want. With thereal you can get multiple offers from different lenders so you get the best terms in the industry.
🌍 Personal assistance at your hands at any time
While many other online lenders offer exclusively tech approach, we still believe in old school personal connection. You can talk, ask or reach out to us with any question at any moment.
Most of you had a similar set of questions and we felt it is important to answer them beforehand.
What is thereal?
thereal is a lending marketplace. It means we work with multiple lenders, match our applicants with different offers so they can get the best possible terms.
Who are your lenders?
We are not a lender, we work with over 150 lenders such as OnDeck, Kabbage and others.
Do you check my credit?
thereal does not pull your credit or create a hard inquiry. We match you with offers from multiple lenders. However, before offering a contract your lender might pull your credit.
How does the process work?
The process is fairly simple. You fill out our application, we send your application to 150+ lenders and match you with offers instantly. Sometimes our personal funding managers will manually submit your applications to lenders and help you find the perfect loan. Once those offers are ready, all you have to do is accept the best one, sign the contract and get funds wired to you the same day.
What kind of loans do you offer?
We specialize in ACH Cash Flow Loans, also named Merchant Cash Advances. However, we offer a variety of loans options from Lines of Credit to Collateralized Business Loans.
What is Merchant Cash Advance?
Merchant Cash Advance is a loan that buys your future cash-flows at a discount. Let's say you have a grocery shop, you can get a loan as soon as tomorrow, and then pay it back via small daily payments that occur automatically.
