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Black Onyx Lending
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Fund Small Business Loans Nashville TN in Nashville, TN
Fund Small Business Loans Nashville TN offers multiple small business financing options including SBA loans, equipment financing, and merchant cash advances with streamlined online applications.
Data compiled from public sources · Rating from CreditDoc methodology
Fund Small Business Loans Nashville TN Review
Fund Small Business Loans Nashville TN is a business lending service operating from a physical office location in Nashville, Tennessee (352 Flushing Dr, #5). The company positions itself as a simplified alternative to traditional bank lending for small business owners who need capital for operations, growth, or specific business needs. ' The company advertises nationwide lending availability despite maintaining a Nashville physical office.
The company offers a diverse product menu including business term loans, working capital, SBA loans, equipment loans, accounts receivable financing, revolving lines of credit, merchant cash advances, purchase order financing, commercial mortgages, franchise financing, secured and unsecured loans, startup loans, and medical practice loans. Their application process requires standard business documentation: personal and business credit reports, tax returns, financial statements, bank statements, driver's license, commercial leases, business licenses, incorporation documents, resume, and financial projections for newer businesses. ).
They emphasize accessibility for businesses with fair to poor credit history and position themselves as an alternative to traditional bank lending processes. The website contains grammatical inconsistencies and repetitive content that may suggest lower production quality. Most importantly, the website provides no information about interest rates, fees, actual approval timelines, eligibility requirements, or lending terms—essential details needed to evaluate this company credibly.
No third-party verification, customer testimonials, licensing information, or regulatory disclosures are present.
Services & Features
Accounts Receivable Financing
Business Term Loans
Business Working Capital Loans
Commercial Mortgage Loans
Franchise Financing
Medical Practice Loans
Merchant Cash Advances
Purchase Order Financing
Revolving Business Line of Credit
SBA Loans
Secured Business Loans
Small Business Equipment Loans
Startup Business Loans
Unsecured Business Loans
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Offers 13+ distinct loan product types addressing different business needs (equipment, working capital, SBA, startup, etc.)
- Online application process available, positioning faster approval than traditional bank lending
- Claims to work with businesses having fair to poor credit history
- Physical office location in Nashville with direct phone and email contact
- Provides detailed application checklist to help borrowers prepare required documentation
- Nationwide lending availability despite local office presence
Cons
- Website contains no interest rates, fees, APR information, or actual loan terms
- No stated approval timelines or lending timeline details despite 'fast' claims
- Missing licensing, regulatory, or compliance disclosures (NMLS number, state licenses, etc.)
- No customer testimonials, case studies, or third-party verification of claims
- Website content has grammatical errors and repetition, suggesting lower quality operations
Rating Breakdown
Value 5.0
Effectiveness 3.5
Customer Service 3.9
Transparency 3.5
Ease of Use 4.2
Frequently Asked Questions
Is Fund Small Business Loans Nashville TN legitimate?
Yes. Fund Small Business Loans Nashville TN is a registered company, headquartered in 352 Flushing Dr # 5, Nashville, TN 37211.
Quick Facts
- Headquarters
- 352 Flushing Dr # 5, Nashville, TN 37211
- BBB Accredited
- No
- Starting Price
- Contact provider
- Setup Fee
- None
- Money-Back Guarantee
- No
CreditDoc Diagnosis
Doctor's Verdict on Fund Small Business Loans Nashville TN
Best for established small business owners seeking alternatives to traditional bank lending with specific financing needs. Major caveat: website provides zero information on rates, fees, actual terms, or approval timelines—essential details required to evaluate lending credibility. Extensive due diligence and direct contact needed before applying.
Best For
- Established small business owners seeking alternative to bank term loans
- Businesses needing specific products like equipment financing or working capital
- Business owners with credit challenges seeking lenders claiming to work with fair/poor credit
Updated 2026-04-29
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Read guide →Financial Terms Explained (7 terms)
New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
Interest & Rates
APR — Annual Percentage Rate
The total yearly cost of borrowing money, including the interest rate plus any fees the lender charges. Think of it as the 'true price tag' on a loan.
Why it matters
Lenders must show APR by law (Truth in Lending Act) because the interest rate alone can hide fees. Comparing APR across lenders is the most reliable way to find the cheapest loan.
Example
You borrow $10,000 at 6% interest for 3 years, but there's a $300 origination fee. The interest rate is 6%, but the APR is 6.9% because it includes that fee. You'd pay $304/month and $946 total in interest.
Interest Rate
The percentage a lender charges you for borrowing their money, calculated on the amount you still owe. It's the lender's profit for taking the risk of lending to you.
Why it matters
Even a 1% difference in interest rate can cost you thousands over a loan's life. Lower rates mean less money out of your pocket.
Example
On a $20,000 car loan for 5 years: at 5% you pay $2,645 in interest. At 8% you pay $4,332. That 3% difference costs you $1,687 extra.
How Loans Work
Cosigner — Loan Cosigner
A person who agrees to repay your loan if you can't. They're equally responsible for the debt, and their credit is affected by your payment behavior.
Why it matters
Cosigning helps people with thin credit get approved or get better rates. But it's a huge risk for the cosigner — they're on the hook for the full amount if you default.
Example
A parent cosigns their child's $30,000 student loan. The child stops paying after 6 months. The parent is now legally required to make the payments or face collections, lawsuits, and credit damage.
Loan Term (Tenor) — Loan Term / Tenor
How long you have to repay the loan, measured in months or years. A shorter term means higher monthly payments but less total interest paid.
Why it matters
Longer terms feel more affordable monthly but cost much more overall. A 30-year mortgage costs almost double in interest compared to a 15-year mortgage on the same amount.
Example
Borrowing $200,000 at 6.5%: A 15-year term costs $1,742/month ($113,561 total interest). A 30-year term costs $1,264/month ($255,088 total interest). You save $141,527 with the shorter term.
Origination Fee — Loan Origination Fee
A one-time fee the lender charges to process and set up your loan. It covers their costs for underwriting, verifying your information, and preparing paperwork.
Why it matters
Origination fees are usually 1-8% of the loan amount and are often deducted from your loan proceeds — so you receive less than you borrowed.
Example
You're approved for a $10,000 personal loan with a 5% origination fee. The lender deducts $500 upfront, so you receive $9,500 in your bank account but owe $10,000 plus interest.
Principal — Loan Principal
The original amount of money you borrowed, before any interest or fees are added. It's the 'real' amount of your debt.
Why it matters
Your interest is calculated on the principal. Paying extra toward principal (not just interest) is the fastest way to reduce your total cost and pay off a loan early.
Example
You borrow $25,000 for a car. That $25,000 is your principal. Your first payment of $450 might split as $150 toward interest and $300 toward principal, bringing your balance to $24,700.
Underwriting — Loan Underwriting
The process where a lender evaluates your finances — income, debts, credit history, assets — to decide whether to approve your loan and at what rate.
Why it matters
Understanding what underwriters look for helps you prepare a stronger application. They check your DTI ratio, employment stability, credit score, and the asset's value.
Example
You apply for a mortgage. The underwriter reviews your pay stubs (income), bank statements (savings), credit report (history), and orders an appraisal (home value). This takes 2-4 weeks.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
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