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Main Street Finance Group business loans review

Quick short-term financing for businesses with high annual revenue.

  • Best for business owners with less-than-perfect personal credit.
  • Pick something else if your business doesn’t have the cash flow to handle daily or weekly repayments.


Min. Amount$5,000
Max. Amount$1,000,000
Min. Credit Score600
Requirements1+ years in business, $10,000+ monthly revenue

How much will this loan cost me?

Main Street Finance Group offers business cash advances of $5,000 to $1,000,000. Terms are short, typically ranging from three months to three years. However, Main Street Business Group doesn’t list any rates. This means that you won’t be able to see how much your loan — and daily or weekly repayments — might cost your business until after you apply for financing.

How it works

The rates and terms of your small business loan ultimately depend on your creditworthiness and monthly revenue. In most cases, if you’ve been in business for more than a year and can prove a monthly revenue of $10,000 or more, you’ll likely qualify for some type of funding with Main Street Finance Group. Your average business account balance and existing cash advance loans, liens or defaults can also affect your chances of approval.

What do I need to qualify?

To qualify for business financing from Main Street Finance Group, you and your business will need to meet a few basic requirements, including:

  • Annual revenue of $250,000 or more
  • At least two years in business
  • Valid business checking account
  • Personal credit score of at least 600

What information do I need to apply?

To complete an application, Main Street Finance Group will require you to submit the following information:

  • Copy of a government-issued photo ID
  • Voided check from a business checking account
  • Three most recent bank statements
  • Three most recent credit card processing statements

What industries does Main Street Finance Group work with?

Main Street Finance Group is able to work with most businesses, but it doesn’t offer funding to businesses in these industries:

  • Nonprofits
  • Religious organizations
  • Finance companies
  • Gambling

What other types of financing does Main Street Finance Group offer?

Main Street Finance Group offers two additional loan options for businesses:

Line of credit

$5,000 to $500,000

1 year

SBA loans

Up to $5 million

Up to 25 years

It also lists equipment financing and debt consolidation as potential options. However, Main Street Finance Group doesn’t provide details on how they work or what your business will need to qualify.

Pros and cons

Before you apply with Main Street Finance Group, take a look at if the benefits outweigh the drawbacks for your business.


  • Bad credit may be eligible
  • Flexible loan terms
  • High maximum loan amount of $1,000,000


  • High minimum loan amount of $5,000
  • High annual revenue requirement of $250,000
  • Daily or weekly repayments required
  • Limited customer reviews

See other top business loan options

To see what other loans your business might qualify for, compare more lenders by selecting your annual revenue, time in business and personal credit score range.

Name Product Filter Values Loan amount APR Requirements

Fora Financial business loans
Finder Rating: 4.1 / 5: ★★★★★

Fora Financial business loans
$5,000 – $500,000
6+ months in business, $12,000+ monthly revenue, no open bankruptcies
Get qualified for funding in minutes for up to $500,000 without affecting your credit score. Best for companies with at least six figures in annual revenue.

Lendio business loans
Finder Rating: 4.75 / 5: ★★★★★

Lendio business loans
$500 – $5,000,000
Starting at 6%
Operate business in US or Canada, have a business bank account, 560+ personal credit score
Submit one simple application to potentially get offers from a network of over 300 legit business lenders.

National Funding business loans
Finder Rating: 4.75 / 5: ★★★★★

National Funding business loans
$5,000 – $500,000
4% to 8%
Be in business at least one year and make at least $150,000 in annual sales. Other loan types have additional requirements.
Working capital loans and equipment financing, some high-risk industries may be eligible.

Fundbox lines of credit
Finder Rating: 4.2 / 5: ★★★★★

Fundbox lines of credit
$1,000 – $150,000
Not stated
6 + months in business, $100,000+ in annual revenue, 600+ credit score
Get flat rate, short-term financing based on the financial health of your business, not your credit score.

Bitty Advance business cash advances
Finder Rating: 2.8 / 5: ★★★★★

Bitty Advance business cash advances
$2,000 – $25,000
Not applicable
$5,000 monthly bank revenue, 6+ months in business, business bank account open 3+ months, 450+ credit score
With APRs in the triple digits, this is best saved as a last resort.

Compare up to 4 providers

Is Main Street Finance Group legit?

Yes, Main Street Finance Group is a legit lender. Its website is encrypted to keep your personal information safe from hackers. And its privacy policy covers standard details – including how your information is stored and used for marketing.

Main Street Finance Group reviews and complaints

BBB accredited
BBB rating Not rated
Trustpilot Score 2.8 out of 5 stars, based on 3 customer reviews
Customer reviews verified as of 14 October 2020

There aren’t many reviews for Main Street Finance Group. It doesn’t have a BBB page, and the three reviews listed on its Trustpilot page are out of date. Unfortunately, this means you won’t be able to know how other borrowers fared when working with Main Street Finance Group — especially when it comes to its customer service team.

How do I apply?

To see if your business qualifies for a loan, follow these steps:

  1. Visit Main Street Finance Group’s website and click Apply now.
  2. Request a quote by providing basic information about your business, including monthly revenue and current credit score.
  3. Review and agree to Main Street Finance Group’s terms of use.

What happens after I apply?

Once you submit a request, Main Street Finance Group will be in touch with you by email or phone to discuss your loan options.

How do repayments work with Main Street Finance Group?

Main Street Finance Group requires borrowers to make daily or weekly repayments toward their loans. These are withdrawn automatically from your business’s checking account, so be sure you have enough money to cover them each day.

Try to make extra repayments or pay off your loan early — there are no prepayment penalties, and you can potentially save hundreds in interest.

Main Street Finance Group offers decently large short-term loans. But to see more options, read our guide to business loans before you apply.

Frequently asked questions

Review by

Anna Serio is a trusted lending expert and certified Commercial Loan Officer who's published more than 1,000 articles on Finder to help Americans strengthen their financial literacy. A former editor of a newspaper in Beirut, Anna writes about personal, student, business and car loans. Today, digital publications like Business Insider, CNBC and the Simple Dollar feature her professional commentary, and she earned an Expert Contributor in Finance badge from review site Best Company in 2020.

Expert review

Main Street Finance Group specializes in funding businesses with short-term loans. Its loans are available in all 50 states, and financing is available regardless of personal credit.

However, there aren’t many customer service options. Your business will also be on the hook for daily or weekly repayments. And with a high annual revenue requirement of $250,000, smaller and newer businesses may not qualify.

To see more loan options, compare business loans and find a lender that fits your business’s needs.

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