Business funding broker · Nationwide
When the bank says no, we find another way.
Funding to start, grow or buy a business — beginning at 0% interest — plus forgivable loan programs for existing businesses.
- Free, no-obligation application
- No impact on your credit score
“Told no by 50 banks…”
“Boyd secured nearly $350,000 in funding for a client of mine who had already been told no by 50 banks.”
Robert Jones · Advisor, South Carolina SBDC
Presented for
SCORE Mentors (Nationally and regionally) · Florida SBDC · South Carolina SBDC · National Entrepreneur Center·Center for Micro-Entrepreneurial Training · Urban League of Central Florida WeVenture (Florida Tech) ·South Carolina Hispanic Chamber of Commerce·
Business Champion of the Month
Accelerate Brevard · Nov 2025
Who we fund
Funding options for most business situations.
Start-ups
For businesses under two years old — our most popular option starts at 0% interest for at least 12 months.
Existing businesses
Working capital, lines of credit, equipment, SBA loans — and forgivable loans up to $1 million.
Government contractors
Funding options for contractors getting started in the government contracting space.
Real estate investors
Alternative funding for investors, including commercial real estate financing.
For existing businesses
Forgivable loans up to $1 million.
Up to 100% of the loan can be forgiven over four years. Not a cash advance — growth capital built to be forgiven, usable for any business purpose, including paying off MCAs.
Fixed rate, interest only6–10%
Forgiven at Years 2 · 3 · 450·25·25%
Monthly card processing to qualify$20K+
How it works
Apply. Converse. Choose.
As brokers, our job is to find the right option for you — wherever it is. Everything starts with a quick look at your credit report.
01
Apply for funding
Complete a short, no-cost, no-obligation online application. We’ll show you how to share your credit report without affecting your score, so we know what you qualify for.
02
Talk it through
We get on the phone and walk you through the funding amounts and options available to you — no pressure to borrow more than you’re comfortable with.
03
Choose your option
If you like what you see, you give us written permission to proceed, and we go to work securing funding offers and new credit.
Client stories
Patient, straightforward, fast.
Told no by 50 banks.
“My client had been told no by 50 banks before I heard about OTRO Financial. Boyd was able to get my client nearly $350,000 in unsecured funding to start a Montessori school.”
Robert Jones
Small Business Consultant, South Carolina SBDC
Approved within 48 hours.
“Working with Boyd and his team was a great experience from start to finish… credit approval was secured within just 48 hours, which really helped keep the project on track.”
Nicole Williams
CEO, Benson Capital Group LLC
Never pushed past my comfort level.
“You were patient & straightforward with me… I started with a really low capital request & you didn’t try to talk me up beyond my comfort level.”
Miranda Schaps
Credentialed Veterinary Technician, Small Business Owner
The book
When Banks Say No
How to get the funding your business needs anyway. Rated 5 stars by readers on Amazon.
Work with Boyd
Business Funding Strategy Session
A private 60-minute session plus a personalized written Funding Strategy Roadmap. If we secure your financing, the fee is credited toward our success fee.
$195 · evening & Saturday times available
Ready to see what you qualify for?
A short application, a quick credit review with no impact to your score, and a real conversation about your options.