60-second application
Business name, your name, monthly revenue, time in business, how much you need. No tax returns. No financial projections. No SBA paperwork.
How it works
Application to funded. 24-48 hours.
No bank meetings. No 47-page applications. Here's what actually happens.
See What I Qualify For
Three steps
We kept it short on purpose.
Same-day decision
We look at three months of bank statements. Money in, money out, consistency. We don't care about your credit score or what collateral you have. If your business has steady cash flow, you can get capital.
Funded in 24-48 hours
Sign once. Capital hits your business checking account. Payroll, equipment, inventory, whatever you need it for. No restrictions.
The timeline
A typical deal, hour by hour.
Hour 0
You apply
60-second form. Do it from your phone.
Hour 1
We review
We pull up your bank statements and start reviewing. No credit pull at any point.
Hour 2-8
You get a number
Most businesses hear back same day. We tell you exactly how much and on what terms.
Hour 8-24
Sign electronically
Every fee disclosed upfront. Total cost, daily payment, payback period. All in plain English.
Hour 24-48
Money in your account
Capital lands in your business checking account.
Requirements
What we ask for.
What we need
- 3 months of bank statements
- 6+ months in business
- $15K+ monthly revenue
- Active US business
What we skip
- Tax returns
- Collateral
- Perfect credit
- Business plan
- Personal guarantee for most deals
FAQ
Questions we hear a lot.
No. We purchase a portion of your future receivables. You get a lump sum now and repay through a small percentage of daily sales. Slow week, you pay less. Busy week, you pay more.
No. We look at bank statements. Applying has zero impact on your credit.
$5K to $2M, depending on your monthly revenue. Most funded businesses receive $25K to $250K.
Disclosed upfront before you sign. Total cost, daily payment, payback period. If you can't understand the terms in 60 seconds, we haven't done our job.
Yes. Most of our merchants do. You can qualify for more capital as early as 20-30% into your current payback.
That's most of our merchants. Banks deny 82% of small business applications because their underwriting starts at credit scores and collateral. Ours starts at three months of bank statements — average daily balance, deposit consistency, money in versus money out. A 580 FICO with $90K/month in deposits gets funded here.