Get a Clear Picture of What's Available Before You Apply Anywhere
Looking for funding to grow your business — or just to get through a tight stretch — usually means applying somewhere, waiting, and hoping. And every hard credit pull along the way can ding your score, even if you don’t move forward.
Legacy Life Planning partners with a business funding marketplace that gives Tennessee business owners a clear picture of what they qualify for — across 100+ lenders — using a soft credit check that doesn’t affect your credit score. You see your real options before committing to anything.
This isn’t a single loan product. Depending on your business’s financials, credit profile, and needs, the options that come back might include SBA loans, unsecured term loans, revolving lines of credit, 0% business credit cards, or equipment financing.
📞 Call Lance: (423) 341-8601 🔗 Check Your Funding Options »
Legacy Life Planning is a referral partner with this funding marketplace and may be compensated for referrals.
We have access to 100+ lenders, and you can apply for a business loan and find out with no negative impact to credit.
Funding Options Tennessee Business Owners Commonly Access
SBA Loans
Government-backed loans through participating lenders, typically offering longer repayment terms and lower down payments than conventional financing. Best suited for larger, planned investments — equipment, expansion, real estate.
Unsecured Term Loans
Loans with 3, 5, or 7-year terms that don’t require specific collateral — based on your business’s revenue and creditworthiness rather than tying up a specific asset.
Revolving Lines of Credit
Access funds as needed and pay interest only on what you use — useful for managing cash flow gaps without committing to a lump-sum loan.
0% Business Credit Cards
For qualifying business owners, 0% introductory periods (commonly up to 12-15 months) can provide short-term capital for startup costs or growth initiatives without interest accruing during that windo
Equipment Financing
Loans secured by the equipment itself — often easier to qualify for since the equipment serves as collateral, and structured around the specific purchase.
No Business Plan Required
The pre-qualification process doesn’t require a formal business plan — it’s based on your business’s financial profile and credit history.
The Process
Quick application
Fill out a short form with basic information about your business and yourself. This takes a few minutes.
Soft credit pre-qualification
A soft credit pull — which does not impact your credit score — is used to match your profile against available lending programs across the marketplace's network of 100+ lenders.
Review your options
You'll see what you may qualify for, across loan types and lenders. There's no obligation at this stage — you're seeing options, not committing to anything.
Choose what fits
If something looks like a fit, you move forward directly with that lender. A hard credit pull only happens if and when you choose to proceed with a specific offer — with your consent.
Lance stays in the loop
Whatever funding decision you make becomes part of your broader financial picture — Lance can help you think through how new financing affects your tax strategy, debt elimination timeline, and overall plan.
A Longer-Term Complement: Self-Funded Capital Through Infinite Banking
The funding marketplace above is built for when you need capital now or want to see your options. There’s also a longer-term strategy worth knowing about, especially if funding needs come up repeatedly in your business.
Infinite Banking uses a properly structured whole life or IUL insurance policy to build a cash value reserve over time. Once established, you can borrow against that cash value — no application, no credit check, no lender involved — while the full balance continues growing as if the loan never happened.
This isn’t a replacement for the funding options above, especially for immediate needs. But for business owners who find themselves needing capital repeatedly — for inventory, seasonal cash flow, or recurring equipment needs — building this kind of reserve over time can reduce dependence on outside financing altogether.
Sevierville cabin and STR owners commonly use this approach to fund additional property purchases. Seasonal businesses use it to smooth cash flow between busy and slow periods without a recurring line of credit.
Lance can walk through whether this makes sense as part of your broader plan in the free strategy session.
This Page Is Useful For:
Business owners who need capital now — for expansion, equipment, inventory, or cash flow — and want to see real options without a hard credit hit
Business owners who’ve been turned down by their bank and want to know what else is out there across a wider lender network
New or growing businesses that don’t have the history for traditional bank financing but may qualify for alternative options
Anyone planning ahead who wants to understand both immediate funding options and longer-term self-funded strategies like Infinite Banking
Frequently Asked Questions
Will checking my funding options hurt my credit score?
No. The initial pre-qualification uses a soft credit pull, which does not affect your credit score. A hard credit pull only occurs if you choose to move forward with a specific lender’s offer, and only with your consent at that point.
Is Legacy Life Planning the lender?
No. Legacy Life Planning partners with a funding marketplace that connects you with a network of 100+ lenders. Lance helps point you toward this resource as part of your overall financial picture, but the actual loan or credit product comes from the lender you choose.
What if I don't qualify for anything?
The pre-qualification process shows you what’s realistically available based on your current profile. If options are limited right now, that’s useful information too — Lance can help you understand what would need to change (credit, time in business, revenue) to access better options later, and discuss longer-term strategies like Infinite Banking in the meantime.
Do I need a business plan to apply?
No. The pre-qualification process is based on your business’s financial profile and credit history, not a formal business plan document.
How is this different from just going to my bank?
Your bank can only offer you their own products. The marketplace checks your profile against 100+ lenders at once, which means a broader range of options — including some you might not find by going to a single bank.
What's the difference between this and Infinite Banking?
The funding marketplace connects you with outside lenders for capital now. Infinite Banking is a strategy for building your own capital reserve over time that you can borrow against without any lender involved. They serve different timelines — one is for funding needs today, the other is a long-term strategy that reduces how often you’ll need outside funding in the future.
Is the strategy session with Lance free?
Yes. Whether you’re exploring immediate funding options or thinking about a longer-term capital strategy, the conversation with Lance is free and focused on what makes sense for your business.
Funding Connects to the Rest of Your Financial Picture
See what you qualify for — it takes a few minutes and won't affect your credit.
🔗 Check Your Funding Options »
Legacy Life Planning is a referral partner with this funding marketplace and may be compensated for referrals.
Want to talk through your situation first? Lance is happy to help you think through what type of funding makes sense — or whether a longer-term strategy is the better fit.
Areas Served
We serve the Tri-Cities in Northeast Tennessee and Southwest Virginia. This includes but is not limited to the areas below.