Five steps from application to money in your account. Built for established businesses doing $60K or more a month whose bank said no.
Begin step oneThe process
Apply, share statements, review your offer, sign, get funded. Each step runs through our partner, Merchant Fund Express, and you see the numbers before you commit.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
Short application, about 3 months of business bank statements, no tax returns. Qualified businesses can be funded in as little as 24 hours.
Checking options starts with a soft pull. FICO 500+ considered, and deposits weigh heavily.
The full repayment amount is in your offer before you accept. No surprise costs after you sign.
Your offer lays out the repayment schedule up front, so you know how it fits your cash flow.
The application asks for the basics: business name, how long you have been open, monthly revenue, what the money is for, and owner details. No business plan. No tax returns. Sole proprietors can apply.
Send about three months of business bank statements. This is the most important document in the file. It shows real deposits, how steady they are, and what your balances look like across the month.
Tip: download full PDF statements from your bank. Screenshots and partial months slow things down.
Your file is reviewed through our partner Merchant Fund Express. It starts with a soft credit pull, so looking does not ding your score. FICO 500+ is considered. Reviewers weigh:
Want the long version? Read what funders look at.
If your file qualifies, you get the options available to you. That may include:
| Option | Plain-English version |
|---|---|
| Working capital | A lump sum for any business use, repaid on a set schedule |
| Merchant cash advance | Cash now against future sales, repaid from revenue |
| Business line of credit | A limit you draw from as needed and repay |
| Equipment financing | Money for a specific machine or vehicle, secured by that equipment |
Read the terms. Ask questions. You are not obligated to take anything.
After you sign and final verification clears, money is sent to your business account. Qualified businesses can be funded in as little as 24 hours. Amounts range from $25,000 to $5,000,000.
Ask yourself three questions. Is the business bringing in steady deposits month after month? Do you know exactly what the money is for? Can you show how that spending pays for itself? If the answer is yes across the board, you are in good shape to apply. If one is shaky, that is fine, but be ready to explain it. Reviewers move faster when the story is clear and the numbers back it up.
Two separate services. Funding is judged on your business today, mostly your revenue. Credit repair is a longer project for your personal file. You can apply for funding now while working on credit on the side. One does not depend on the other, and fixing credit does not decide a funding outcome. More on that in how revenue offsets credit.
The application takes about 5 minutes. Decisions are fast, and qualified businesses can be funded in as little as 24 hours.
Established businesses doing $60K or more a month, including owners whose credit is not perfect.
No. You review the options and decide. Nothing happens until you sign.
No. Funding is provided through our partner Merchant Fund Express.
Incomplete bank statements. Send full PDF statements for about three months and most delays go away.
Example uses for illustration only.
Most files that stall get stuck on the same few things, so handle them first.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding