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Rating by Finanso®

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Apply for a Gateway Financial's loan


How to apply

To apply for a loan with Gateway Financial, follow these steps:

  1. You must finish the application in a secure and confidential setting. Complete in a few minutes.

  2. Pick out your loan. An extensive network of lending partners can help you locate the most suitable loan for your company.

  3. Acquire possession of your funds. As soon as your online application has been processed and approved, you will be able to get the funds you need as soon as the very same business day.


To qualify for the most options with Gateway Financial, you need to:

  • Have a gross annual sales of $100,000;

  • Have no open bankruptcies;

  • Be at least one year in the Industry.

Application details

Your loan's final approval and loan funding will be contingent on various factors, including the type of loan you have applied for and the lender you choose to work with. In general, you will require the following documents:

  • Several months of bank statements;

  • Business license;

  • Articles of incorporation at a minimum.

Gateway Financial's lending partners aim to streamline and expedite the application process as much as possible. It enables you to have the money sent into your account as soon as the very same day that your loan is finalized. There are no prerequisites to sign up and no additional fee. It can change based on the kind of loan and the lender. The timeline can vary depending on the loan type, the loan amount, and the lending partner. The process of getting your loan funded and finalized typically takes a few days to do. Our partners take great satisfaction in the fact that they are far quicker and more focused on the needs of their customers than banks.


How long does it take Gateway Financial to process?

When you finish your loan through Gateway, you have the option of receiving the funds in your savings account as early as the same business day. There are no unique enrollment requirements, and there are no additional fees. It could be different based on the kind of loan and the lender that is involved.

What are Gateway Financial's requirements for revenue?

For the most part, for your company to qualify for a loan from one of Gateway Financial's lending partners, they will ask that your annual sales total at least $100,000.

What industry can I apply for a Gateway Financial loan?

Gateway Financial partners offer financial assistance to businesses in virtually every sector, including but not limited to real estate, hospitality, retail and fashion, restaurants and bars, online stores and e-commerce, automotive, hair and beauty, trade and labor, cleaning services, logistics, trucking and transportation, oil and gas, and a significant number of other sectors.

What to focus on before applying for a loan with Gateway Financial

To ensure the lender is legitimate, check if it meets the following criteria:

How do you know if a loan company is registered?

The lending company is registered with the US Securities and Exchange Commission (SEC) and has a tax identification number (EIN). Note that tribal lending companies operate under the jurisdiction of tribal laws, and they don't have to register with the SEC. But still, tribes must act under federal consumer protection laws enforced by the Consumer Financial Protection Bureau (CFPB) and Federal Trade Commission (FTC).

According to the FTC requirement, the lending company is registered in your state, excluding tribal lenders abiding by tribal and federal laws only. That is why tribal lending companies can charge interest rates exceeding your state's maximum.

Finally, the State Attorney General can verify the registration of the lending company if you need additional proof of whether it is legitimate.

If a US lending company scams you, please report to local law enforcement, your state attorney general, CFPB, or FTC.

Finanso® also recommends

Learn the total cost of a loan, including:

It will be best to read a loan agreement carefully before signing it. If any part of the agreement seems incomprehensible, do not hesitate to ask the lender about particulars.

Remember that you don’t have to make an immediate decision when considering getting a loan. However, you must be sure that you are ready to repay following your loan documents. If the lender’s terms and conditions are uncomfortable for you, you are free to search for another proposal, as there are about 780 lending companies in the US.

What’s the difference between Gateway Financial and a bank?

  1. You need to have a good credit history to qualify for a credit card with a bank. In contrast, even bad credit history debtors can borrow money from US lenders with personal or payday loans. 
  2. Interest rates and annual percentage rate for a loan with an online lending company are significantly higher than with a credit card released by a bank.
  3. Applying for an online loan with a lending company doesn’t require paperwork or even visiting their office. Instead, a borrower can apply entirely online and receive money via direct deposit on the next business day.
  4. The online lending business is high-risk for investors, and their capital is not protected from unfair borrowers.
  5. A loan with legitimate loan companies for bad credit is a simple but expensive form of borrowing to resolve financial hardship.
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All Gateway Financial’s reviews by October 2022
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