Funding Built for American Small Businesses

No. DesertSprings is a private funding company. We are not affiliated with the SBA or any government agency. Our grants are privately funded. Business loans are issued through our network of licensed lending partners in compliance with federal and state lending regulations.

Absolutely not. DesertSprings operates on a strict "No approval, no fee" policy. You will never be charged anything — no application fee, no processing fee, no origination fee — until your application has been reviewed and formally approved by our team. Any fees are only collected after approval and before disbursement. This is our guarantee.

DesertSprings is a private small business funding company that provides grants and loans to registered US small businesses. We help businesses at every stage — from startups to established companies looking to grow or stabilize.

Any registered US small business can apply — sole proprietors, LLCs, S-Corps, C-Corps, and partnerships. You must have been operating for at least 6 months, have a valid EIN, and have no active bankruptcy proceedings.

No. DesertSprings is a private funding company. We are not affiliated with the SBA or any government agency. Our grants and loans are privately funded.

Applications take under 20 minutes to complete. Our team reviews within 48 hours. Once approved, funds are disbursed to your business bank account within 2–5 business days.

A grant is non-repayable funding — meaning you receive the money and do not pay it back. It is not a loan. You are simply required to pay a one-time processing fee to cover the cost of reviewing and administering your application.

Our grants go up to $200,000 depending on your business needs, size, and the purpose of funding.

The processing fee is a one-time charge based on the grant amount you are requesting. For amounts up to $10,000 the fee is a flat $100. For $10,001–$50,000 it is 1.5% of the amount. For $50,001–$100,000 it is 1%. For amounts above $100,000 it is 0.5%. You can estimate your fee using the calculator on our homepage.

The processing fee is paid before disbursement — after your application is approved and before the grant funds are released to your account.

No. Grants are completely non-repayable. Once disbursed, the funds are yours to use for your business.

Grant funds can be used for equipment, inventory, staffing, marketing, rent, working capital, technology, or any legitimate business expense.

We offer business loans up to $200,000 with repayment terms ranging from 6 to 60 months.

Interest rates vary based on your business profile, loan amount, and term length. Exact rates are provided during the application review process before you commit to anything.

Loan protection insurance is a mandatory policy that protects both you and DesertSprings in the event of default, serious illness, or death. It ensures your business or estate is not left with an unmanageable debt burden.

The insurance premium is calculated as: Loan Amount × 1.5% × (Term in Months ÷ 12). For example, a $50,000 loan over 24 months = $1,500 insurance premium. You can use our fee calculator to estimate yours.

Yes. You have the option to pay the insurance premium upfront before disbursement or roll it into your monthly repayments across the loan term.

Collateral requirements depend on the loan amount and your business profile. Smaller loan amounts typically do not require collateral. This will be clarified during your application review.

You will typically need: a valid government-issued ID, your EIN (Employer Identification Number), recent bank statements (last 3 months), proof of business registration, and a brief description of how you intend to use the funds.

Yes. You can apply for both products. However, each application is reviewed separately and approval for one does not guarantee approval for the other.

Our team reviews your application within 48 hours. You will receive an email notification with the outcome — approved, pending further documentation, or declined. If approved, you will receive instructions for next steps including fee payment and fund disbursement.

If your application is declined you will receive a notification explaining the reason. You may reapply after 90 days or after addressing the issues noted in the decline reason.

Yes. All data submitted through our platform is encrypted and stored securely. We do not sell or share your personal or business information with third parties.