Business financing
Start with the terms your business needs
Enter your requirements and initial offering information for free. Review your proposal and sign its Issuer Access Agreement to open full preparation. Business financing carries no upfront fee. Review, discuss and separately sign your final offering terms in the company workspace. Your company issues the debt; investors decide whether to fund it.
Explore raising capital through equityOne proposal, with the complete terms
The proposed amount and term, interest payable to investors, Backers fees, net proceeds and repayment schedule belong together. Review them in the same document with your partner, accountant or lawyer.
Investor coupons remain within 14.99%–29.99% per year. Backers’ fees: a closing commission of 7.99% of the loan, withheld at funding, and servicing of 0.29% per month of the balance still owed. Your proposal states the applicable coupon alongside these fees and any disclosed external financing costs. The complete terms must meet the applicable cost-of-credit limit.
New debt has a minimum 12-month term and is closed to voluntary repayment for the first 12 months. A note maturing then repays principal at maturity; longer terms may permit repayment after the closed period, on the agreed notice and settlement terms.
No upfront fee. Business financing carries no Issuer Access and Due Diligence Fee, and Backers’ fees apply only if the offering is funded. Loans run from $15,000 to $500,000, for corporations.
- Repayment
- Monthly payments that repay principal, interest-only payments with principal due at maturity, or an initial interest-only period followed by principal repayment. The proposal states which applies.
- Fees and net proceeds
- The proposal sets out the closing commission, servicing on the outstanding balance, external costs and the resulting amount available to the company. Nothing is payable upfront; the closing commission is withheld at funding.
- Early repayment
- The proposal states whether repayment is closed or permitted after an agreed period, the notice required and the settlement method. Any required fee credit-back is included in settlement.
- Security and requirements
- Proposed security, priority, guarantees, reporting and documents are recorded for discussion. Their final scope depends on the applicable agreements and requirements.
The complete borrowing cost, including issuer fees, must meet the applicable legal limit. Proposed terms can change during review. Signing the Issuer Access Agreement does not guarantee funding. How terms and fees work.
From proposal to offering
- 1
Start for free
Add the company, requested financing and initial F1 information. Invite your team to work in the same private workspace.
- 2
Open full preparation
Read and sign the Issuer Access Agreement. Nothing is payable upfront, and signing does not lock final pricing or guarantee funding.
- 3
Agree final offering terms
Refine the proposed terms with your team, then separately sign the exact final agreement and finish the offering document for certification and review.
- 4
Seek funding
Investors review the offering and decide whether to subscribe. Closing, disbursement and repayment follow the applicable documents and requirements.
Backers Securities Inc. operates the funding portal. Backers does not lend the money or advise purchasers on the merits or suitability of a security. A proposal, a signed agreement or permission to list is not a promise of funding or repayment.