Capital for businesses built to last.
Typically $10,000 to $500,000 in working capital, up to $5,000,000 for term and SBA loans. An answer by the next business day. No application or broker fee.
Every offer is shown with its total repayment, every fee and the APR, on one sheet, before anything is signed. See the whole number →
Applying uses a soft credit inquiry only. Your information is encrypted in transit and at rest, and is never sold.
At a typical factor rate of 1.28, no fees, daily repayment on business days. Your own figures depend on your statements and are shown to you exactly like this, both rates included, before you sign.
Four things most brokers will not put in writing.
We arrange revenue-based advance, business term loan, business line of credit, equipment financing, sba loans and invoice factoring. Most working capital advances fall between $10,000 and $500,000; term loans, equipment and SBA financing reach $5,000,000.
- INo application or broker fee.
- The funder pays our commission. If a funder charges an origination or wire fee, it is printed on your offer before you sign, never discovered after.
- IIThe whole number before you sign.
- Total repayment, every fee and the yearly rate on one sheet. If the number does not make sense for the business, we say so and advise you to wait.
- IIINever a third position.
- If you already have one advance, we look at consolidating it first. We place a second position only when your statements carry it. We do not place a third, which is what the industry calls stacking.
- IVFunders compete for your file.
- We place each file with the partners best suited to it and bring back the offers side by side. You choose the structure that fits your cash flow.
How an engagement proceeds.
The full process →- Step 1
Apply
One secure application, completed in a few minutes. Your last three months of business bank statements and an electronic signature.
- Step 2
Review
A member of our team reads your file personally and answers by the next business day. Offers from the partners best suited to your file follow, most of them the same day.
- Step 3
Funding
You choose the structure that fits your cash flow. Advances are wired within one to three business days, some the same day. Term, equipment and SBA loans take longer; each product page gives its timeline.
Who we can help.
- Six months or more in business
- $10,000 or more in monthly revenue
- A US business with a business bank account
- Most industries, every credit profile considered
- Existing positions can often be consolidated
Handled the way a bank would, and then some.
- Encrypted in transit and at rest; SSN, EIN and date of birth encrypted at the field level, never stored in plain text.
- Bank statements kept in a private vault, opened only by authorized staff with two-factor login. Every access is logged.
- We share your statements with selected funding partners only after you authorize us, at the end of the application. They receive the PDFs you uploaded. No one else sees them, and nothing is sold or shared with marketers or data brokers.
Written for your trade, and your state.
What funders look for in a restaurant, a trucking company or a contractor is not the same. Each guide says what they look for, in plain words, before you apply.
All guides →- By industryFinancing a Trucking Company
- By industryRestaurant Financing
- By industryConstruction and Contractor Financing
- By industryFinancing a Medical or Dental Practice
- By industryFinancing a Landscaping Company
- By industryFinancing a Retail Store
- By stateBusiness financing in New York
- By stateBusiness financing in Texas
- By stateBusiness financing in Florida
- By stateBusiness financing in California
- Before signingHow to Read a Merchant Cash Advance Agreement Before You Sign It
Begin with a conversation.
Apply online in a few minutes, or leave a number and we will call you, go through the application together, and send you a secure link for the few details only you can provide. No obligation. Soft credit inquiry only.
Apply for financing