Unsecured business loans and short term funding, explained before you sign.
A single conversation, a plain number and options from our partner network, usually inside a business day. A person at the desk looks at every request; software doesn't decide.
- 24–48 hfrom statements to a decision
- $10K–$2Mplaced through our partner network
- No hard pullto see your options
Four products. One honest conversation about which fits.
- 01
Merchant cash advance
A funder buys a set amount of your future receivables, and you remit it daily or weekly. Quick to arrange and flexible, so read the full cost before you say yes.
Funding in 1–3 days - 02
Revenue-based financing
You repay a share of monthly revenue, so what you pay rises and falls with sales. Suits seasonal or fast-growing businesses.
Up to 12–18 months - 03
Equipment financing
The machine or vehicle is the collateral, so cost is usually lower and terms longer than unsecured funding.
Terms of 2–7 years - 04
Business line of credit
Take what you need as you need it, and pay only on what you've drawn. Best for gaps that keep coming back, not one-off projects.
Revolving
Each step of a request, and the time it takes
- 01About 3 minutes
Tell us the number and the why
How much, by when, and about what the business earns. No credit pull at this step.
- 02Same day
Send three months of statements
Bank statements are enough to start. We read them as a funder would and say where you stand before anything goes out.
- 0324–48 hours
Options in writing, in plain numbers
Each option is explained to you by your specialist: the amount, total payback, remittance and early-payoff terms. You decide.
- 04Next business day
Sign and fund
What you sign matches what we went over with you. The money comes by wire, often that same day.
Advice first. The product second.
One point of contact, not a queue
The same specialist reads your file, replies to you and sees it through to funding.
Costs in writing before you sign
What you pay back in total, the factor rate in dollars, the remittance schedule and any prepayment terms. No written terms from a partner means no placement from us.
The right product, or no product
A line of credit, equipment financing or a quarter's wait is sometimes the better answer. We say so.
Published minimums
At least six months open, deposits near $15,000 a month, and a business bank account. Near the line? Ask anyway, since numbers don't tell the whole story.
What a partner needs to see
- Time in business
- 6+ months
- Monthly deposits
- $15,000+
- Credit
- 500+ FICO considered; statements weigh more
- Location
- A business based in the U.S. with a bank account in its name
- Industries
- Most industries; ask about restricted ones
Close but not quite? Ask. Steady deposits and the direction they're heading outweigh any one number.
Check your fitFive things you will not find here.
- Bill you to apply, to look at options or to be told no
- Pull your credit hard just to show what you might qualify for
- Send a request to any partner unwilling to write down the cost
- Describe an advance as a loan, or give you a rate with no dollar figure beside it
- Sell your information for unrelated purposes
Plain answers before you talk to anyone.
Is a merchant cash advance a loan?
No. A merchant cash advance is a sale of a fixed amount of your future receivables at a discount. A lump sum comes to you now, and you remit a set daily or weekly amount, or a percentage of card sales, until the purchased amount is delivered. It is not a loan, so no interest rate applies. You pay the difference between the sum you receive and the sum you remit, normally shown as a factor rate.
How fast can funding arrive?
Send statements and most requests have an answer inside 24–48 hours. Money usually reaches you within one business day of signing, occasionally the same day.
What does it cost?
The answer turns on the product, your deposits, your time in business and what you already owe. Every option comes quoted as total payback in dollars, along with its remittance schedule and prepayment terms, before you sign. Sample figures shown here are not offers.
Will requesting funding affect my credit?
The initial request does not pull credit. Should you accept a specific offer, the funding partner may run a soft or hard inquiry, and you'll hear which before it happens.
Can I qualify with existing advances?
Frequently, yes, though it depends on your open positions and how they're doing. Piling on positions carelessly hurts businesses, so we check your remittance load before we suggest anything.
What if the answer is no?
You get the reason in plain terms and what would change it, usually time, deposits or paying down a position. No fee for a no.
Read this before you sign anything.
Direct answers on unsecured business loans, short term funding and advances: what each costs in dollars, what happens if things go wrong, and the alternatives.
Speak with someone who'll actually read your statements
Start with the number you need. No obligation, no credit pull to begin.