WeiWei Financial Review

ByTop10 StaffMar. 10, 2019

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In a Nutshell

If you’re a small business looking for funding, WeiWei Financial might be the perfect solution. With low credit score requirements, fast online application, and next day funding, WeiWei Financial is making it possible for businesses to get the boost they need like never before. With a 90% approval rating, WeiWei Financial just might be the best business loan solution for you.


  • Really low credit score
  • Receive funds in 24 hours
  • 90% approval rates


  • New to the industry
  • Not enough information on the website

WeiWei Financial at a Glance

Loan typesSmall business loans, merchant cash advances, business credit lines
Loan amount$1K - $5M
Repayment termsVaries based on lender
APRVaries based on lender
Best forReally poor credit holders


Started by a group of former bankers tired of people getting turned down for loans because of bureaucracy, WeiWei Financial is in a position to help those in need. Because of their background in finances, WeiWei Financial’s founders are able to understand the inner workings of the banking system, know the loopholes, and deliver the best results, affordable rates, and easiest process. Especially when it comes to business loans, these waters can be choppy, which is why it's nice to have an advocate fighting for your side. Based on what we've seen, WeiWei Financial is that advocate.

Best For?

While WeiWei Financial is an option for anyone looking to get a business loan, it’s a particularly good solution for people with really poor credit or those who’ve been having a hard time getting approval for a loan for some other reason. That’s because:

  • It works with really poor credit scores
  • It offers a wide range of solutions and a large network to work with
  • It has an insider’s understanding of the banking world so that you don’t have to

 Loan Features

WeiWei Financial is a lending marketplace that offers a huge range of financing options for businesses of every size. Because of the unique combination of benefits, it is even more useful for small businesses and startups that are just trying to get their brands off the ground.

To begin with, WeiWei Financial has a huge network of lenders to work with. Because of their background in banking, the founders of WeiWei Financial put together a great connection of lenders in both the private and public sectors. Having a lot of lenders helps businesses get approval more often, which is probably why WeiWei Financial has a 90% approval rate (that’s unheard of in this industry).

It also helps to give businesses a wider range of financial options to choose from because this means you can get the financing tool that really suits your business needs, not just an out-of-the-box solution that doesn’t work for you. WeiWei Financial offers several options including:

  • Merchant line of credit
  • Small business loan
  • Merchant cash advances

And more. This enables you to pick the best fit for your business needs. Probably the biggest benefit of all for small businesses though is that WeiWei Financial will work with just about any credit score. Many lenders have a hard time providing solutions for borrowers with poor credit, but that’s not a problem for WeiWei Financial. In fact, the minimum credit score is 550, which is considered a bad score. Lowering the bar on this usually high requirement opens the door to new possibilities and gives businesses that couldn’t get funding before new options.

Another benefit you receive from WeiWei Financial is the comparison tool. Once you've submitted the application form and received your potential loans, you can start comparing your options. It's important to note that you are not under any obligation to take these loans; they're merely offers. If you decide that you like the terms and can repay the loan plus interest according to the proposed repayment plan, you will be put directly in touch with the lender to finalize the loan.

WeiWei Financial puts all your loan options in a chart, so you can easily and quickly compare the proposed loan terms and amounts. This makes it simple to see which lender is giving you the best rates for your business. A good comparison tool can save you tons in interest rates, so WeiWei Financial is really providing a great service for small businesses.

  • Free tool
  • Large network of private and public lenders
  • Over one billion dollars funded to date
  • Works with bad credit
  • Diverse funding options
  • Easy to apply

The Application Process

Aside from the eye-catching color scheme, one of the first things we noticed about WeiWei Financial was how easy it was to apply. The online application form is a breath of fresh air, especially when compared to the more traditional borrowing process that requires in-person meetings, long wait periods, and seemingly endless forms to fill out.

The WeiWei Financial online application form is a handful of questions. You’ll be asked general questions like:

  • Business and owner’s name
  • Requested loan amount
  • Your email address
  • Phone number
  • Business address
  • Monthly gross revenue
  • Credit score

Once you fill out that short form, your work is done. Now, WeiWei Financial will process your request, scan the network of lenders, and choose lenders that will fit your situation the best.

A WeiWei Financial representative will be in touch with you to give you your loan options. Once you've chosen the best one, you can sign for the loan and have your money within 24 hours. WeiWei Financial gets big points for the application process because it’s just so fast, easy, and uncomplicated.

How Much Can You Borrow?

WeiWei Financial is not a direct lender. What this means is you aren't receiving the money directly from WeiWei Financial. Instead, this service connects you to a lender, and you will receive the loan money from the lender.

Practically what this means is that WeiWei Financial does not call the shots when it comes to technical details, things like loan requirements, interest rates, and loan amounts. How much you are allowed to borrow will depend largely on the lender you opt to work with. Additional factors that will determine your overall terms include:

  • How much money you are asking to borrow
  • What your credit history is like (for example, if you have really bad credit, you might get approved for a loan, but a smaller amount)
  • Current market rates

Even though WeiWei Financial doesn’t determine the loan amounts, the range of borrowable funds runs from $1,000 to $5 million. Obviously, you’ll have to have better credit to take out the highest amounts, but the lower threshold can help many SMB get their footing.

Repayment Terms

As with loan amounts, WeiWei Financial does not set your loan repayment terms or choose your APR. These are all details that are determined by the direct lender you work with in the end.

 How Safe is It?

WeiWei Financial uses industry-standard encryption to secure all transactions on the site. Additionally, it has physical, technological, and procedural safeguards in place so that your private data always remains safe.

Help & Support

One downside to this service is the help and support. WeiWei Financial currently doesn’t offer much in the way of customer support. You can fill out an application form, and someone will get in touch with you. Right now there is no phone or email support, but WeiWei Financial is really new. These will likely be an addition made to the service shortly.


WeiWei Financial is a newcomer to the business loans industry, but it’s certainly no stranger to finance. Having CEOs with years of experience in banking has helped WeiWei Financial become a rising star in this complex industry. Offering a free and easy to use comparison tool, simple online application, and fast funding, WeiWei Financial is quickly becoming a go-to option for SMBs to get the funding they need.

WeiWei Financial