“We take cards all day and the weekly remittance just tracks that. In a slow February it never felt like a cliff.”
Danielle OseiOwner, Osei & Co. Kitchen · Atlanta, GA
Direct funder · since 2011
Capital that moves at the speed your business actually moves.
Eight financing structures under one roof, funded from our own balance sheet. Apply in ten minutes and see money in as little as 24 hours.
15 yrsFunding U.S. small business since 2011
8Financing structures under one roof
24 hrsFastest time to funded
Own capitalDirect on our core products
Financing
Eight ways to fund it. Every one repays monthly — except the advance.
The merchant cash advance remits weekly by design, because that is what lets it track your sales. Everything else is a fixed monthly payment.
Weekly payments
Merchant Cash Advance
$10,000 – $2,000,000
Explore Monthly paymentsBusiness Term Loan
$25,000 – $5,000,000
Explore Monthly paymentsBusiness Line of Credit
$10,000 – $1,000,000
Explore Monthly paymentsSBA Loan
$50,000 – $5,000,000
Explore Monthly paymentsEquipment Financing
$10,000 – $2,000,000
Explore Monthly paymentsInvoice Factoring
Up to $5,000,000
Explore Monthly paymentsWorking Capital Loan
$10,000 – $1,000,000
Explore Monthly paymentsCommercial Real Estate
$250,000 – $20,000,000
ExploreHow it works
Three steps. One desk.
Send us the file
A short application and a read-only look at your business bank activity. Ten minutes, no fee, no obligation.
We decide
Our own underwriters review it. On core products the capital is ours, so the answer comes from us — not a panel you never meet.
Sign and get funded
Terms in writing, total cost on the page. Sign electronically and funds move — in as little as 24 hours.
Why it is faster here
We are the funder on our core products.
On advances, working capital, term loans, lines of credit and equipment, the capital is ours. There is no panel to shop your file to and no third party to wait on, which is the whole reason we can answer the same day.
- 15 years funding American small business.
- One named desk from application through funding and renewal.
- Total cost of capital in writing before you sign.
- SBA and large real estate placed with participating lenders — we say which is which.
What we look at
Four things. None of them a mystery.
We underwrite on how the business actually trades — time in operation and real revenue moving through the account.
1 year in business
Your business has been trading and generating revenue for at least twelve months.
$180,000 annual revenue
Gross annual revenue of $180,000 or more, evidenced by recent bank statements.
Business bank account
An active business account in the legal name of the company.
U.S.-based operation
Registered and trading in the United States.
Who we fund
Built for the businesses that keep a street open
What owners do with it
The money is yours to deploy
Buy inventoryCover payrollOpen a locationReplace equipmentBridge slow receivablesFund a marketing pushRefinance costlier debtRenovate the premisesHire ahead of a contractStock up for peak season
Client reviews
In the words of the owners we funded
“The term loan closed in two days. Fixed monthly payment, end date on the page, no surprises since.”
Ray WhitfieldOwner, Whitfield Barber Co. · Detroit, MI
“Factoring changed how we bid. We stopped pricing in the sixty-day wait because we no longer wait sixty days.”
Maren HollowayDirector, Holloway Floral Supply · Portland, OR
Businesses we have funded include:
Osei & Co. KitchenWhitfield Barber Co.Holloway Floral SupplyVasquez ProvisionsKovac BakehouseHaddad MarketCorbin Freight LinesRedstone Fabrication
Common questions
Answers before you apply
A merchant cash advance, working capital loan or equipment approval can fund in as little as 24 hours. Term loans and lines of credit typically run 48 hours. Commercial real estate runs 30 to 60 days and SBA 30 to 90 — those two involve more documentation and, in the SBA case, a participating lender.
Every product we offer repays monthly except the merchant cash advance, which remits weekly. That is deliberate: weekly remittance is what lets an advance track your sales rather than land as a single monthly charge.
We fund our core products — merchant cash advances, working capital, term loans, lines of credit and equipment — from our own capital, which is why we can decide quickly. SBA loans are issued by participating lenders, and the largest commercial real estate transactions are arranged with funding partners. We tell you which applies to your file before you proceed.
Nothing. There is no application fee and no obligation to accept an offer. The complete cost of capital is disclosed in writing before you sign anything.
At least one year trading, $180,000 or more in gross annual revenue, an active business bank account in your company’s name, and a U.S.-based operation.
Next step
Ready to see the number?
Send the file. We will come back with what your business qualifies for, usually the same day.