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Crestmark Bank business loans

No-frills financing for high-risk industries — though you won’t find much information online.

  • Best for business owners in high-risk industries who want a one-stop shop for a variety of funding solutions.
  • Pick something else if you want in-person support and don't live in one of the five states it has branches.

First, do I qualify?

Qualifications vary depending on the type of loan you’re applying for, though Crestmark Bank doesn’t disclose what these are online.

Generally speaking, you’ll need the following to begin the application process:

  • Completed online or in-person application
  • Accounts receivable (A/R) aging
  • Accounts payable (A/P) aging
  • Articles of incorporation
  • Company customer list
  • Your customer’s financials
  • A sample of three invoices, including a purchase order of contracts
  • Purchase orders from your five largest customers

What makes Crestmark Bank unique?

Crestmark Bank provides working capital to dozens of manufacturing, business-to-business, service, and distribution industries — some not generally served by many other lenders.

You can use the funds for everything from expansion and restructuring to refinancing. It also helps with risk management and credit analyses.

However, Crestmark Bank doesn’t provide APRs, terms, fees or eligibility criteria on its website. For that information, you’ll have to call 888-999-8050 and speak with one of its business loan reps. And, even at that, there’s a different department for each loan type.


  • Wide range of funding solutions
  • 24-hour turnaround to fund invoices
  • Online application and funding
  • Don’t have to be a Crestmark Bank customer to qualify


  • Takes a full day to approve your application
  • Have to wait seven to 10 days to get your funds for a business loan
  • Physical branches in only five states
  • Doesn’t disclose fees, APRs, terms or eligibility requirements online
  • Customer service may not return calls

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How do I apply?

To apply for a business loan, you can fill out an online application or visit one of Crestmark Bank’s branches. Follow these steps to get started online:

  1. Visit the Crestmark website and scroll down to the contact form.
  2. Enter your personal information, company description, average monthly sales, average A/R balance and how you found Crestmark.
  3. Select Submit.

Once you submit the form, a Crestmark Bank representative should be in contact with you shortly.

How do repayments work?

Repayments vary by the type of financing you opt for. Most business term loans are paid back monthly over a set period of time, which should be outlined in your contract. However, some financing solutions, like invoice factoring or accounts receivable financing, might be paid back weekly, biweekly or even daily.

If it’s an option, ask to sign up for automatic payments. This way, it’s one less thing you have to worry about. Some lenders even offer an interest rate discount for this. Keep an eye on your bank account and loan balance. If you notice anything off, reach out to Crestmark Bank as soon as possible.

Want to compare other lenders before deciding? Check out our guide to business loans where you can weigh your options to find the right loan for you.


Review by

Kathryn Pomroy was a writer for Finder, specializing in loans. She has written for dozens of major publications, small businesses and many well-known personal finance companies, including LendingTree, Money Crashers, Quickbooks/Intuit, BankRate, LendEDU and more. Kathryn holds a BA in Journalism and drinks super bold coffee while eating peanut butter and honey toast.

Expert review

Crestmark Bank is the commercial financing division of MetaBank. It’s ideal if you’re in a high-risk industry like insurance, manufacturing or staffing and have struggled to qualify with traditional lenders.

It provides a wide range of financial solutions, including SBA and startup loans, lines of credit, term loans and asset-based lending. You can also tap into accounts receivable financing, factoring, vendor and equipment financing and more.

But if you prefer to do your business banking in person and don’t live in Michigan, Florida, Tennessee, Louisiana or California, you’re out of luck — those are the only states it has physical branches.

You also won’t find much information available online, which can be frustrating — especially when you’re shopping around. I even tried calling and speaking with a business loan representative three times to no avail. Each time, I left my number and they said someone would call me back, but they never did. If responsive customer service is important to you, you should probably look elsewhere.

Not sold on Crestmark Bank? Compare other business loan options.

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