“My score is nothing to write home about. They looked at twelve months of deposits instead and funded us in a day.”
Alina PetrovOwner, Petrov Bakehouse · Columbus, OH
Direct funding · since 2011
Funding that starts with your business, not your score.
Merchant cash advances, term loans, lines of credit and revenue-based financing from $10,000 to $2 million. Apply in ten minutes and get funded in as little as 24 hours.
No collateral required
All credit types considered
No prepayment penalties
15 yrsFunding U.S. small business since 2011
24 hrsFastest time from approval to funded
$2MMaximum single advance
4Funding structures under one roof
Why owners choose us
Straight terms, and a look at the whole business.
No Collateral Required
Your business performance is the asset. Keep your personal property out of it.
Transparent Factor Rates
One clear cost of capital. No hidden fees, no prepayment penalties.
All Credit Types Considered
We look at your business as a whole, not just a three-digit score.
Application To Funded
In as little as 24 hours on an advance, and 48 on a term facility.
Positive payment structure · positive payment history
The payment is the product.
Plenty of funders will hand you money. What decides whether it helps is how the payment is structured — and what that payment record is worth to you afterwards. Both are the point of how we underwrite.
A structure built around your cash flow
A payment you can actually meet is not a courtesy. It is what keeps the facility performing and your record intact.
- Remittance moves with your takings on an advance, so a slow week costs proportionally less.
- A fixed monthly figure where you want certainty — term loan, line of credit, revenue-based.
- One flat factor rate or one fixed payment. No hidden fees layered on afterwards.
- No prepayment penalty, ever. Clearing early costs you nothing extra.
- Sized to what the business can comfortably service, not the largest number we could approve.
A history that pays you back
Every payment you make on time is an asset you are building. It is the fastest route we know to cheaper capital.
- Every on-time payment is recorded against your file, not just the last one.
- A clean record moves you from an advance to a lower-cost term facility.
- Renewals on a good history are larger, longer and quicker to approve.
- It outweighs a thin or bruised score — behaviour beats a snapshot.
- It is the one asset here you build simply by paying as agreed.
How it compounds
- 1
Start where you can service it
We size the first facility to your actual revenue, so the payments are comfortable from day one. A structure you can meet is the whole point.
- 2
Pay as agreed
Remittance runs automatically. Nothing to diarise, nothing to forget — which is exactly what makes the record clean.
- 3
The file gets stronger
Months of consistent payment tell us more than any score can. We read the pattern, not a single number.
- 4
Better terms come back to you
Larger amounts, longer terms, quicker decisions and lower cost. That is the return on a positive payment history.
Funding options
Four structures. One application.
The advance remits from daily card sales. The term loan, line of credit and revenue-based facility all repay monthly.
Merchant Cash Advance
$10,000 – $2,000,000Advance amount
Remitted from daily card sales
Capital against tomorrow’s sales, priced as one clear factor rate.
ExploreBusiness Term Loan
$25,000 – $1,000,000Loan amount
Fixed monthly payments
One lump sum, one fixed monthly payment, one end date on the page.
ExploreBusiness Line of Credit
$10,000 – $500,000Revolving limit
Monthly on the drawn balance
A limit that sits ready and refreshes every time you repay.
ExploreRevenue-Based Financing
$25,000 – $1,500,000Facility size
A fixed share of monthly revenue
Repayment sized as a share of revenue, not a number on a calendar.
ExploreSimple step process
Application to funded, in three steps.
Apply in under ten minutes
A short form and a read-only look at your business bank activity, so we see real revenue rather than typed figures. No fee, no obligation.
Get a tailored offer
We review time trading, revenue and payment history — the whole business, not one number. Most applicants hear back the same day.
Funded in 24 to 48 hours
Choose your structure, sign electronically, and the money moves. Advances typically land within 24 hours.
What we look at
Four things. That’s the whole list.
We underwrite on how the business actually trades — revenue moving through the account, time in operation, and how you have handled what you already owe.
6 months in business
Your business has been trading and taking revenue for at least six months.
$15,000 monthly revenue
Around $15,000 a month or more, evidenced by recent bank statements.
Business bank account
An active business account in the legal name of the company.
U.S.-based operation
Registered and trading in the United States.
What owners do with it
The capital is yours to deploy
Buy inventoryCover payrollOpen a locationReplace equipmentBridge slow receivablesFund a marketing pushRefinance costlier debtRenovate the premisesHire ahead of a contractStock up for peak season
Client reviews
In the words of the owners we funded
“The factor rate was one number on one page. I have dealt with people who could not tell me the total cost at all.”
Curtis NwosuOwner, Nwosu Auto Works · Charlotte, NC
“The line of credit is the thing that changed how we buy. We stopped guessing and started restocking properly.”
Hannah DelacroixFounder, Delacroix Boutique · Austin, TX
Businesses we have funded include:
Petrov BakehouseNwosu Auto WorksDelacroix BoutiqueOsei Consulting GroupMarin ProvisionsLund Ceramics StudioHarbor Street DentalVantage Freight Co.
Common questions
Answers before you apply
An advance or revenue-based facility can fund within 24 to 48 hours of approval. Term loans and lines of credit typically fund within 48 hours. The application itself takes under ten minutes.
Yes. We look at your business as a whole — time trading, revenue moving through the account, and your payment history with existing obligations — rather than a single three-digit score. That said, every application is subject to review and we cannot approve every business that applies.
A factor rate is a single multiplier applied once to the amount advanced. If you take $50,000 at a factor rate of 1.25, you remit $62,500 in total — that is the whole cost, fixed at signing. Interest, by contrast, accrues over time and changes with how long you take. A factor rate does not compound and does not grow.
Not for a merchant cash advance or revenue-based financing. Your business performance is what we underwrite against, so your personal property stays out of it.
It is one of the strongest signals we have. Consistent, on-time remittance on an existing facility tells us more about how a business behaves than a score does — and it is the main reason renewals are quicker and larger than first-time applications.
Next step
See what your business qualifies for.
Ten minutes to apply. No fee, no obligation, and a real answer the same day.