Funding that fits the problem
Every instrument below trades speed against cost. Most brokers sell you the fast one. We would rather start by working out which trade you should be making.
Soft credit check to start. No obligation. A person, not a portal.
Six instruments
They behave differently, cost differently and fail differently. Each page below opens by saying when its own product is the wrong choice.
- Merchant cash advance Sell a slice of future revenue for cash today. Fastest option on this page.
- Business line of credit Revolving capital you draw only when you need it, and pay for only when drawn.
- Term loan A fixed amount over a fixed period, with predictable payments.
- Equipment financing The equipment secures the funding, so rates are usually lower.
- Invoice factoring Get paid now for invoices your customers will pay in 30, 60 or 90 days.
- SBA loans The cheapest money available to most small businesses, and the slowest.
How it works
Four steps. You can stop at any of them, and stopping costs nothing.
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Tell us what the money is for
The application asks about use of funds first, because the use decides the instrument. Inventory for a season and a payroll gap next Tuesday want different money.
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Send three to six months of statements
Bank statements are the only document that matters for a first read. Funders weigh deposit consistency far more heavily than they weigh a credit score.
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We shop it to funders who fit
Funders specialise by industry, revenue band and credit profile. Sending one file to twenty of them produces twenty declines and marks your profile, so we send it to the ones who buy files like yours.
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You choose, or you walk
Each offer arrives with the amount, the total repayment, the schedule and the fees laid out. We convert factor rates into annualised figures so the comparison is real.
Where we work
A restaurant runs short of cash for a different reason than a carrier does. These pages start from the reason, then work back to the instrument.
- Restaurants & food service Thin margins, daily receipts, and equipment that fails at the worst possible moment.
- Trucking & logistics Fuel and drivers are paid now. Brokers pay in thirty to sixty days.
- Construction & contracting Materials up front, progress billing, retainage held to the end.
- Retail Inventory is bought months before the season that sells it.
- Medical & dental practices Insurance reimbursement is slow, and the equipment is expensive.
- Auto repair & service Parts and diagnostics are bought before the ticket is paid.
- Salons & spas Chair rent and retail stock against appointment-driven revenue.
- Ecommerce & online retail Inventory and ad spend go out before the payout processor settles.
What it takes
Most operators get declined without ever being told what the bar was. Here it is.
| Requirement | Typical minimum | Why it matters |
|---|---|---|
| Time in business | 6 months | Funders need enough deposit history to read a pattern. |
| Monthly revenue | $10,000 | Sets the ceiling on what can responsibly be advanced. |
| Business bank account | Required | Deposit history is the underwriting. There is no substitute for it. |
| Personal credit | Flexible | Below 600 narrows the options without ending the conversation. |
| Open advances | Disclose them | Stacking is the fastest way we see a viable business go under. Tell us. |
Common questions
How fast can you actually move?
Will applying hurt my credit?
What do you need to get started?
Do you lend your own money?
See what you qualify for
Four minutes, a soft credit check, and a real answer. If the right instrument is one we do not place, we will say so.