YTD '26$418M deployed ▲ 14.2% SOFR5.32% SBA 7(a) maxP+2.75% 504 25y fixed6.32%

SBA Preferred Lender · Member SBFA · NMLS #2147483

Institutional capital, deployed at the speed of small business.

Keyquest Funding underwrites and places financing for American small and middle-market businesses. Direct balance sheet capital paired with twenty-three institutional partners, structured by an underwriter who reads your file the same day it lands.

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$2.4BCapital deployed since 2014

28,400+SMBs financed nationally

18 hrsMedian time to wire

4.9 / 51,847 verified reviews

Credentials & Memberships

SBA Preferred Lender Partner

SBFA Member · 2018

BBB A+ Accredited

Innovative Lending Platform Assoc.

SOC 2 Type II

By the Numbers

Twelve years of compounding receipts.

Origination data refreshed monthly. Includes balance sheet originations and capital placed with syndicate partners.

$2.4B

Cumulative originations

Apr 2014 — Apr 2026

28,400+

Businesses financed

All 50 states + DC + PR

94.2%

Approval rate

Post pre-qualification

18 hrs

Median time to wire

From file receipt

Capital partners

Active syndicate

63%

Renewal rate

Renew or upsize ≤ 18 mo

$418M

YTD 2026 deployments

Through Apr 30, 2026

0.7%

Net charge-off rate

Trailing twelve months

Product Suite

Nine financing structures. One application.

From overnight working capital to twenty-five-year fixed-rate real estate. Highlighted below are our three most-deployed products. Submit one application — our credit team routes you to whichever structure your file qualifies for.

PRODUCT 02 / TERM LOAN

Cornerstone Term

Fixed-rate amortizing capital for the scale-up phase

Predictable monthly payments at a single fixed rate. The structure most banks would offer if they answered your call faster. Use proceeds for working capital, debt consolidation, equipment, hiring, marketing, or owner buyouts.

Trailing 24 months of operating history
Annual revenue ≥ $240,000
FICO 660+ for guarantor
Use of proceeds is flexible — no UCC filing on inventory

Apply for Cornerstone ● Decision in 2–3 business days

Term Sheet Parameters

Funding range	$25K — $2M
Term	12 — 60 months
APR	8.9% — 24.9%
Origination fee	1.5% — 3.0%
DSCR target	≥ 1.20×
FICO floor	660
Prepayment	None after mo. 6
Avg. wire time	22 hrs from accept

PRODUCT 05 / SBA PREFERRED LENDER

Steel Beam SBA 7(a)

Long-term, low-rate capital backed by the Small Business Administration

As one of fewer than 80 non-bank SBA Preferred Lender Partners (PLP), Keyquest holds delegated authority to make final credit decisions in-house. Average time-to-close: 38 days versus the 75-day industry benchmark.

Working capital, debt refi, equipment, real estate, business acquisition
10-year terms (working capital), 25-year terms (real estate)
Down payment as low as 10% on acquisitions
SBA guarantees 75–85% — preserves your other credit capacity

Apply for SBA 7(a) ● Median close in 38 days

Term Sheet Parameters

Loan size	$100K — $5M
Term — WC	10 yr fully amortizing
Term — RE	25 yr fully amortizing
Rate	Prime + 2.25 — 2.75%
Down payment	10 — 15%
SBA guaranty fee	0% — 3.75% (size-based)
FICO floor	680
Avg. close time	38 days (vs. 75 industry)

PRODUCT 03 / REVOLVING LINE

Open Vault Line

A real revolving line of credit — not a draw-and-refinance product

Keyquest underwrites the line once and you draw against it as needed. Pay interest only on what's outstanding. Replenishes as you repay, just like a corporate credit facility — but sized for businesses doing $120K to $50M in annual revenue.

Approve once, draw for 12 months without re-underwriting
Weekly payment plans, six- or twelve-month repayment per draw
No prepayment penalty on any draw, ever
First draw available within 48 hours of approval

Apply for Open Vault ● First draw available in 48 hrs

Term Sheet Parameters

Line size	$10K — $1M
Draw fee	1.5% — 2.5%
Interest (on drawn)	Prime + 4.5% — +12%
Time in business	≥ 12 months
Annual revenue floor	$120,000
FICO floor	625
Per-draw repayment	6 or 12 mo, weekly
Renewal cycle	12 months

The remaining product suite

01 / SHORT-TERM

Daybreak Advance

Revenue-based capital with daily/weekly remits. Funds clear before the next morning's deposit.

Range: $5K — $500K
Term: 3 — 18 mo
Speed: 4 hrs
FICO floor: 500

View term sheet →

04 / BRIDGE

Lightning Bridge

Asset-collateralized capital for acquisitions, partner buyouts, and real estate take-outs.

Range: $50K — $5M
Term: 1 — 24 mo
Max LTV: 75% RE
Close: 5 — 10 days

View term sheet →

06 / REAL ESTATE

Foundation 504

Owner-occupied CRE at a 25-year fixed rate. The cheapest long-term capital your business will touch.

Project size: $250K — $5.5M
CDC term: 25 yr fixed
CDC rate: ~6.32%
Down: 10%

View term sheet →

07 / EQUIPMENT

Axle Equipment Pro

100% LTV financing on rolling stock, kitchen lines, CNC machines. Section 179 friendly.

Range: $10K — $1.5M
Term: 24 — 84 mo
APR: from 7.4%
LTV: up to 100%

View term sheet →

08 / RECEIVABLES

Ledger Float

Invoice factoring for B2B and government contractors. We advance up to 95% of approved invoices.

Facility: $25K — $10M
Advance: up to 95%
Fee: 0.5 — 3.5%
Speed: same day

View term sheet →

09 / ASSET-BASED

Ironwood Asset

Revolving credit facility against AR, inventory, and machinery for middle-market borrowers.

Facility: $250K — $10M
Rate: SOFR + 3.5%
Term: 2 — 3 yr revolving
FICO floor: 650

View term sheet →

The Firm

Built by an underwriter, not a salesman.

CHARLOTTE, NC · EST. APRIL 2014

For seven years, Keyquest founder Elena Marsh worked the workout desk at a regional bank in Charlotte. By 2013 she had read 4,800 declined SBA applications. Her conclusion was uncomfortable: roughly two-thirds of the businesses she had turned away were sound — they just needed a different structure than the one her credit committee had a stamp for.

In April 2014 she launched Keyquest from a co-working space on Tryon Street with a thesis that has since become firm doctrine: the right capital structure already exists in the market — the work is finding it before the opportunity moves on.

The first ten loans went to a Charlotte staffing firm, a Greensboro HVAC contractor, and eight others her old bank had passed on. 9 of 10 paid in full and renewed. Twelve years later we operate as a hybrid balance-sheet lender and brokerage with twenty-three institutional partners — meaning when one passes, we already know which two others will say yes. Read our full history →

Find out which structure fits your file. Three minutes, no hard pull.

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