Close the year strong: equipment, inventory, or cash on hand for January. For established businesses doing $60K+ a month. Fast, plain answer.
Check my optionsYear-end funding
Banks slow down in December. Through our partner, Merchant Fund Express, your request moves on deposits and a short application.
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.
About three months of statements, no tax returns, 5-minute application. Funding in as little as 24 hours for qualified businesses.
FICO 500+ considered and a soft pull to start. Revenue carries real weight.
Your offer lists the full repayment amount before you accept. No surprise costs after you sign.
The repayment schedule is in your offer up front, so you can plan January through March around it.
The last weeks of the year hit from several sides at once: holiday payroll, staff bonuses, annual insurance and software renewals, supplier invoices you promised to clear, and a first-quarter plan that needs money before January deposits recover. Banks slow down too, with reviewers out and approvals pushed into the new year.
Through our partner Merchant Fund Express, established businesses doing $60K or more a month can get a fast decision based mostly on deposits. Amounts run from $25,000 to $5,000,000.
Some owners buy equipment before December 31 for tax reasons. That is a question for your tax advisor, not for us. We do not give tax advice. If equipment is on the list, read Section 179 and equipment financing for background, and confirm the details with your advisor before you buy.
For illustration only, not our terms. A commercial landscaping company deposits about $110K a month in season and less in winter. In December it owes bonuses, wants a new loader for spring snow and site contracts, and knows January and February run lean. Rather than drain the account, the owner funds the loader through equipment financing and takes a modest amount of working capital to carry payroll through February.
No tax returns required. FICO 500+ is considered, and sole proprietors can apply.
The application takes 5 minutes and starts with a soft credit pull. For qualified businesses, funding can arrive in as little as 24 hours. Credit repair is a separate service; you do not need it to apply, and funding does not change your score.
No. Applying in early December gives you room before holiday closures and the year-end crunch.
Working capital can be used for payroll and similar operating costs.
That depends on your situation. We do not give tax advice, so confirm with your tax advisor.
Funders look at about three months of statements and weigh the pattern, so a seasonal spike is read in context.
No tax returns are required.
Timing depends on the file and the bank. For qualified businesses, funding can arrive in as little as 24 hours, but bank holiday schedules can add time, so apply early in December.
Example uses for illustration only.
Want a cleaner year-end review? Check these first.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding