Fast working capital for small business

At a glance

Access expedited and automated small business working capital loans and merchant cash advances. One streamlined application lets eligible borrowers compare multiple financing offers, and funds can be used for any business purpose.

Customized payment options are available with daily, weekly, and monthly repayment terms. Eligible applicants can receive approval in only a few hours and funding the same day — and borrowers who have been turned down elsewhere can still be considered.

Program parameters

• $1,000 to $500,000+
• No credit score minimum
• Competitive financing rates
• No collateral required
• Streamlined underwriting
• 6+ months time in business
• $14,000+ monthly revenue minimum
• Daily, weekly, or monthly payment options
• Most industries considered — nationwide
• Same-day funding available

Best used for

Cover a payroll or tax gap

Bridge a short timing mismatch between receivables and obligations without pledging assets.

Fund a rush job or large order

Buy materials and add labor for a contract that's already signed but not yet paid.

Repair or replace fast

Get a critical piece of equipment or a vehicle back in service before the revenue loss compounds.

Compare offers in one place

A single application surfaces multiple structures so you can pick the payment schedule that fits.

What to have ready

• One-page application (business name, EIN, contact info)
• Most recent 3–6 months of business bank statements
• Government-issued photo ID for the majority owner(s)
• Voided business check or bank letter for funding
• No tax returns or financial statements for most approvals

From application to funded

1. Apply (Hour 0) — Submit one streamlined application with basic business details.
2. Offers (Hours 1–4) — Automated underwriting returns multiple structures to compare side by side.
3. Select & sign (Hours 4–8) — Choose the amount and payment cadence that fits, then sign electronically.
4. Funded (Same day) — Approved funds are wired or ACH'd to your business account, often the same business day.

Illustration — $60,000 working capital advance

• Funded amount: $60,000
• Business monthly revenue: $95,000
• Repayment cadence: Weekly
• Term: 12 months
• Collateral pledged: None

Payments are sized against real deposit history so the schedule tracks the way the business actually collects. Figures are an illustration only — pricing, factor, and term are set by the funding partner's underwriting.

Frequently asked

How fast can I be funded?

Eligible applicants can be approved in a few hours and funded the same business day once documents are signed.

What if I was declined elsewhere?

Borrowers turned down by other lenders can still be considered — underwriting weighs current cash flow heavily.

Do I have to pledge collateral?

No collateral is required for this program.

How are payments made?

Daily, weekly, and monthly repayment options are available, typically by automatic ACH from your business account.

What can the funds be used for?

Any legitimate business purpose — payroll, inventory, marketing, repairs, expansion, or bridging receivables.

Equipment financing, business lines of credit, and fast working capital are funded through vetted third-party funding partners. Figures are indicative program parameters, not an offer or commitment to lend.