Comparison 7 min read

Outcome99 vs Chase: Business Funding Compared

Chase is an SBA preferred lender with a two-year track record typically required to qualify. Here's how that compares to Outcome99's revenue-first approach.

TL;DR

Chase is an SBA preferred lender¹ offering 7(a), 504, and Express loans.
Most Chase loans require 2+ years in business; some standard (non-SBA) products may go as low as 1 year, occasionally less with a strong existing Chase relationship.
SBA 7(a) rates through Chase run roughly 10–13% APR as of 2026, depending on loan size and term.
Chase doesn't publicly disclose its full underwriting criteria — approval depends on credit strength and time in business.
Outcome99 funds $10K–$5M in as fast as 24 hours, underwritten on current revenue, not years of history.

1How They Compare

Factor	Outcome99	Chase
Funding range	$10K – $5M	Varies by product; SBA 7(a) up to $5M
Time in business	No fixed minimum — underwritten on current revenue	Typically 2+ years (some products as low as 1 year)
Time to funding	As fast as 24 hours	Weeks — SBA underwriting and closing
Pricing	Not a fixed-rate installment loan — revenue-share structure	SBA 7(a): ~10–13% APR (2026)
Underwriting basis	Current revenue performance	Credit history, time in business, financials

Outcome99 figures are the only quantified claims Outcome99 publishes; Chase figures are sourced from Chase's own published rates, requirements, and program pages.

2Speed & Timeline

Chase's SBA loans move through standard SBA underwriting and closing, which typically runs into weeks rather than days — even with Chase's preferred lender status, which lets it make certain credit decisions without waiting on SBA sign-off¹.

Outcome99 funds in as fast as 24 hours for most approved businesses, with most applicants hearing back within 2 hours of applying.

⚡ The headline number: Outcome99 funds most approved businesses in as fast as 24 hours, with most applicants hearing back within 2 hours of submitting.

3Requirements & Underwriting

Chase doesn't publish its full underwriting criteria, but most loans require at least two years in business and strong personal credit. A handful of standard, non-SBA products may accept as little as one year — occasionally less for a business with a strong existing Chase banking relationship or particularly consistent cash flow. SBA 7(a) rates through Chase run roughly 10–13% APR as of 2026.

Outcome99 doesn't set a fixed time-in-business floor — approval is evaluated against current revenue.

4Collateral

SBA loans generally involve a personal guarantee and, for larger facilities, collateral as part of standard SBA structure. Outcome99 has no fixed collateral requirement; funding is sized against revenue.

5Who Each One Is Actually Best For

Chase may be the better fit if:

Your business has 2+ years of history and strong credit, and you want SBA-backed pricing in the 10–13% APR range
You can wait several weeks for underwriting and closing
You already bank with Chase and want everything under one relationship

Outcome99 may be the better fit if:

Your business is newer than Chase's typical 2-year requirement
You need funds in hours, not weeks
You'd rather not have your funding decision hinge on undisclosed internal criteria

⚠️ Fair warning: if your business clears a traditional lender's credit, time-in-business, and revenue bar and you can wait weeks, a bank-backed facility can carry a lower long-term rate. Outcome99's edge is speed and access, not being cheaper than every alternative in every scenario.

See what you qualify for with Outcome99

$10K–$5M, funded in as fast as 24 hours. No fixed collateral, ~90-second application.

Start Your Application

Notes

SBA Preferred Lender status lets a bank make certain final credit decisions in-house instead of waiting on SBA sign-off — it speeds up SBA lending, but doesn't eliminate SBA's own documentation and underwriting standards.