60-second application
One short form. Three months of bank statements. That's it. No tax returns. No business plan. No landlord verification.
Georgia
Your bank takes 60 days. We fund Georgia businesses in 24 hours.
From Atlanta restaurants to Savannah logistics warehouses to construction crews working I-285 expansions. We don't read your credit report. We read your bank statements.
See What I Qualify For No credit pull · No commitment · 60 seconds
Why Georgia
1.2 million small businesses. Most can't get a bank loan.
Georgia's economy is the 8th largest in the country and the busiest port complex on the East Coast moves through Savannah. Atlanta is a logistics, hospitality, and tech-services capital. Macon and Columbus anchor the manufacturing belt. Most of these businesses don't show up on bank loan rosters — they show up in our pipeline.
Here's what the headline GDP numbers don't show: most Georgia businesses run on extremely tight cash cycles. A restaurant on Buford Highway might gross $90K in October but $42K in February. A roofing contractor in Macon might have $250K in signed contracts and $11K in the bank because draws don't hit for 45 days. We fund both. The slow months are information, not a deal-breaker — what matters is whether the deposits come back.
We've underwritten Georgia businesses across every major metro and most of the secondary markets. We know the cadence of port-driven logistics in Savannah, the seasonality of Atlanta hospitality during conventions, and the cash-flow patterns of poultry processing in the Athens corridor. That's why we underwrite on cash flow, not credit scores, and why we can decision the same business day you apply.
1.2M
Georgia small businesses
$5K-$2M
Funding range
24-48hr
Average funding speed
0%
Credit pull required
Who we fund in Georgia
These four industries call us every week.
Tourism, construction, and the water. That's what drives Georgia's economy. And all three run on cash flow that banks don't understand.
Restaurants & Hospitality
An Atlanta restaurant doing $80K/month during football season drops to $30K in summer. That's a normal year. Owners typically need $35K-$70K before peak season for staff, equipment, and inventory. We get it to them in a day.
Construction & Trades
Atlanta metro construction is on a tear — but draws lag the work by 30-60 days. A contractor with $300K in signed work and $9K in the bank is a normal Wednesday for us. Funded in 24-48 hours.
Logistics & Trucking
Savannah port moves more containers than Norfolk and LA combined on busy weeks. Truckers, freight brokers, last-mile fleets all get squeezed by 60-day net terms. We bridge it.
Retail & E-commerce
Buckhead boutiques, Augusta shops, Atlanta e-comm operations. We look at deposit volume, not credit. Marketplace payouts (Amazon, Shopify) count.
How it works
Apply today. Funded tomorrow.
Same process whether you're in Pensacola or Key West. No callbacks. No chasing paperwork. No 6-week underwriting cycle.
Same-day decision
We read your bank deposits. September dips don't scare us if your March through May looks strong. You hear back in hours.
Capital hits your account
One signature. Money wires in 24-48 hours. Board up before the storm, buy inventory before snowbird season, or lock in that subcontractor.
Georgia field note
$75K wired. 28 hours. Hurricane-ready.
Restaurant owner · Miami, FL
"Storm season was 8 weeks out. I needed impact shutters, patio reinforcement, and a backup generator. My bank wanted 45 days of paperwork. Westline wired me $75K in 28 hours. We were boarded up and generator-tested before the first advisory hit."
Common questions
Georgia business funding — answered.
Do you fund Georgia businesses with bad credit?
Yes. We've funded Georgia businesses with credit scores in the 500s — and some sub-500. We underwrite on cash flow, not FICO. Three months of bank statements with consistent deposits is what matters.
How fast can a Georgia business get funded?
Typical time from signed agreement to capital wired is 24 to 48 hours. Decisions on most applications come back the same business day.
How much can Georgia businesses qualify for?
$5K-$2M is the typical advance range for Georgia businesses, though we fund anywhere from $5,000 to $2,000,000 depending on monthly revenue. A reliable rule of thumb: about 50%-150% of monthly deposits.
What do I need to apply?
Three things: a 60-second application (business name, monthly revenue, time in business), the last 3 months of business bank statements, and a voided check or bank linkage. No tax returns, no collateral, no credit pull to qualify.
Is this a loan?
No. A merchant cash advance is the purchase of a portion of your future receivables. There is no APR. Pricing is expressed as a factor rate (typically 1.15 to 1.45) applied to the advance amount — that's the total payback. Repayment is a small daily, weekly, or bi-weekly ACH from your business account.
Find out your number in 60 seconds.
No credit pull. No obligation. Miami to Jacksonville, same process, same speed.
Apply Now