Frequently Asked Questions

For Borrowers

What types of financing does eFinancing Solutions offer?

We offer a variety of loan programs including term loans, unsecured business lines of credit, business advances, and equipment financing. Our loan ranges from $1,000 to $100,000, catering to a wide array of business needs.

How quickly can I get a decision on my loan application?

We pride ourselves on efficiency, offering instant decisions for pre-approval for most of our loan products. Our goal is to ensure you have the funds you need, when you need them.

Will applying for a loan impact my credit score?

Initial inquiries do not affect your credit score. We use a soft credit pull that allows you to explore your options without any impact on your credit.

For Merchants

How can eFinancing Solutions benefit my business?

By partnering with us, you’ll be able to offer your customers flexible financing options, making your products or services more accessible and boosting your sales.

What types of projects can be financed through eFinancing Solutions?

Our financing covers a broad spectrum of projects, from remodeling and outdoor kitchens to HVAC systems and equipment financing, enabling your customers to proceed with their desired improvements.

How does eFinancing Solutions ensure a quick and efficient loan process for merchants and their customers?

eFinancing Solutions utilizes a state-of-the-art secure system developed to handle a large flow of data efficiently. This system allows for each loan request to be processed and matched with the appropriate lenders based on certain predefined data collection parameters, ensuring a quick and efficient loan process for both merchants and their customers.

For Affiliates

How does the Affiliate Program work?

As an affiliate, you’ll earn commissions by signing up merchants to use our fintech solutions. For every merchant that enrolls through your referral, you receive a monthly residual payment.

What is the earning potential as an affiliate?

The monthly residual payment ranges from $49 to $199 for each account you enroll. If you sign up 100 merchants, you could earn over $100,000 per year.

What support does eFinancing Solutions provide to its affiliates?

We provide you with all the necessary tools and online access to track your progress and earnings. Our team handles all loan processing and customer service, allowing you to focus on enrolling new companies.

General Questions

How long has eFinancing Solutions been in business?

EFS was established in July 2005, bringing over a decade of experience in helping businesses and individuals secure financing.

What makes eFinancing Solutions different from other financing companies?

Unlike companies with only one lending source, we have multiple lending partners to accommodate A, B, and C credit, ensuring more flexible and accessible loan options.

How can I get started with eFinancing Solutions?

For borrowers and merchants interested in our financing solutions, please visit our website to start your application. Affiliates can join by filling out our enrollment form online. For any questions, feel free to contact us at 800-728-9585 or via email at