Fast working capital for small business
One application, multiple offers, funding as fast as the same day.
Secure, TLS-encrypted application. For commercial real-estate financing for business/commercial purposes only — not a consumer loan. Submitting authorizes contact by phone, SMS, or email (consent not required for financing; msg/data rates may apply). Not available in CA, OR, ID, NV, UT, MN, SD, MI, NJ, or VA. All offers subject to underwriting; not a commitment to lend. See full state & federal disclosures.
Amount
$1K – $500K+
Any business purpose
Approval
In hours
Automated underwriting
Funding
Same day
On eligible files
Collateral
Not required
Cash-flow based
How this program works
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.
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.
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
Hour 0
Apply
Submit one streamlined application with basic business details.
Hours 1–4
Offers
Automated underwriting returns multiple structures to compare side by side.
Hours 4–8
Select & sign
Choose the amount and payment cadence that fits, then sign electronically.
Same day
Funded
Approved funds are wired or ACH'd to your business account, often the same business day.
Frequently asked questions
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.
Other business capital options
Fast Working Capital
Prequalifying takes minutes and is handled on our funding partner's secure, encrypted portal. Prefer to talk it through first? A local loan officer will call you back.
Secure, TLS-encrypted application. For commercial real-estate financing for business/commercial purposes only — not a consumer loan. Submitting authorizes contact by phone, SMS, or email (consent not required for financing; msg/data rates may apply). Not available in CA, OR, ID, NV, UT, MN, SD, MI, NJ, or VA. All offers subject to underwriting; not a commitment to lend. See full state & federal disclosures.
Equipment financing, business lines of credit, and fast working capital are funded through vetted third-party funding partners. Applying opens the partner's secure prequalification portal in a new tab. All figures shown are indicative program parameters, not an offer or commitment to lend.