How it works

From application to funded

We exist to help small businesses access capital without the friction of a traditional bank. Every application is reviewed with your specific business in mind, and our lender network competes to deliver the best terms available to you.

Six ways up, and the same summit at the end of all of them.

Step 01

Answer a few questions

About five minutes. Our network of 75+ lenders reviews your profile to surface the best options — no fees, no obligation, and no hard credit pull to start.

Five minutes, and the essentials about the business.

Step 02

Compare the offers side by side

Choose the amount, the rate and the term that fit what you are doing, with a funding specialist on hand to answer every question about what each one really costs.

Offers from seventy-five lenders, compared side by side.

Step 03

Get funded

Once approved, funds can reach your account in as little as 24 hours. Use them however you need — payroll, inventory, expansion or equipment.

Trading, with the capital already in the account.

Six ways up

And the six it leads to.

Read from the ground up. The smallest ceiling is at the bottom; four of them reach $1M, and those are ordered by how much structure the repayment carries — daily takings at the bottom of them, a fixed monthly term loan at the top. Every one runs off the same application, and a specialist tells you which your business qualifies for.

A drawing being read before the machine that follows it is bought.

Equipment Financing

Finance the tools and machinery the work depends on.

Funding Amount: Up to $250K
Term: 1–5 years
Starting Rate: 8%+
Repayment: Monthly

Up to $250K →

A laundromat, repaying out of the day's takings.

Merchant Cash Advance

Upfront capital in exchange for a portion of future sales.

Funding Amount: $5K–$500K
Repayment (ACH): Daily/Weekly
Factor Rate: 1.1x–1.35x
Time to Fund: 24–48 hrs

Up to $500K →

A gym whose costs arrive monthly and whose fees arrive daily.

Working Capital Loans

Keep operations running smoothly.

Funding Amount: Up to $1M
Repayment: Daily/Weekly
Starting Rate: 4.5%
Time to Fund: 1–2 days

Up to $1M →

A kitchen with one month to get through.

Short-Term Business Loans

Quick capital when the business needs it most.

Funding Amount: $10K–$1M
Term: Up to 24 mo
Starting Rate: 6%
Time to Fund: 1–2 days

Up to $1M →

A stockroom where the limit is drawn on and repaid and drawn again.

Business Line of Credit

Flexible, revolving capital you can draw on whenever you need it.

Credit Limit: Up to $1M
Term: 6 mo – 3 yr
Starting Rate: 4.5%
Time to Fund: 1–2 days

Up to $1M →

A cafe that took one lump sum and fitted out a second room.

Business Term Loans

A classic financing choice for long-term investments.

Funding Amount: Up to $1M
Term: 12–36 mo
Starting Rate: 5.5%
Time to Fund: 1–2 days

Up to $1M →

Get a free quote

Get a free quote.

Application in under five minutes, no cost and no obligation. Starting does not affect your credit, and if nothing that comes back suits you, nothing happens.