Direct funder · Nationwide
The capital your next move needs, without the middle layer
Five ways to put money into a business, each one decided in-house on capital we own. The person weighing your file hands you the answer, the dollar cost is on the table ahead of any signature, and no intermediary skims the deal in transit.
- $0start to apply
- 5products, single form
- In‑houseevery decision
The lineup
Five routes to working capital, one desk behind all of them
They price on different logic and settle on different clocks, and precisely one is a purchase instead of a debt. A paragraph apiece shows you which door is yours.
Business Term Loan
Draw the whole amount at closing and clear it on a schedule you can set your calendar by.
Explore Term LoanMerchant Cash Advance
We purchase a slice of your upcoming sales at a discount today. A receivables sale, not a loan, and priced on a factor rate.
Explore Cash AdvanceSBA Loan
Federally guaranteed, the keenest price on this page, and genuinely slow. Those three travel together.
Explore SBAEquipment Financing
The asset itself stands behind the deal, and the price rewards you for it.
Explore EquipmentBusiness Line of Credit
Lock in the limit once, then leave it untouched until the business calls on it.
Explore Line of CreditThe mechanics
Read an advance as a sale and the confusion lifts
Owners stumble on this product chiefly because they frame it as a loan. It is not. The daylight between the two is where every surprise sits, so we put it in plain view ahead of any signature.
You are selling an asset, not taking on a debt
Think of it as parting with something you already own rather than shouldering something new. The thing you part with is a share of what your customers owe you over the months ahead; what lands in your account is a touch under its face value, and that difference is all we earn. The moment you sign, ownership shifts and the deal is closed. Nothing was lent, so nothing accrues and nothing matures. Everything else on this page simply follows from that.
No interest rate appears, and here is why
Interest buys time, and time is not on sale here. The price is a factor rate — one number, applied to the amount a single time. Multiply them and you have the full obligation in dollars, fixed at signing. It will not compound, it will not creep up overnight, and it will not grow by a dollar if delivery takes far longer than anyone planned.
Collection moves in step with the takings
A set share of each day’s card batches, or of the deposits reaching your account, comes to us automatically. Good days give more; thin days give less. That is the design, not a favour — and the instant the agreed amount is met, collection stops on its own, no reminder needed.
The deposits make the call
Bank statements come first, ahead of everything else: how much arrives, how regularly, and how the account holds up between deposits. A modest account that fills like clockwork beats a larger one that lurches from full to empty. Steady money coming in is what earns the yes.
The cost
What an advance comes to, stated in dollars
A lone multiplier, applied the once, fixed up front. Below is that figure carried through on a file of middling size.
A factor rate is just one number times another, settled on the day you sign — and the dollar total it produces reads identically in month two and month twelve. Interest is a different animal. It is rent on a balance, piling up for as long as that balance survives, so the very same money grows pricier the slower you clear it.
An example in dollars
- Amount advanced
- $75,000
- Factor rate
- 1.30
- Total collected
- $97,500
- Remittance
- 11% of the day’s card takings — about $520 on a normal trading day
- Estimated term
- Roughly 8 months at around $95,000 a month through the card reader
That example puts the cost of the money at $22,500, and you can see it before a dollar moves. These are worked figures, not a quote — your amount, your factor rate, your share and your term all get set once we have gone through the statements.
The threshold
What we need true before any pricing begins
A few facts you can check from your own bank login in a minute. Clearing them promises nothing; missing them hands everyone back a wasted week.
- Time in business
- 6 months or moreClocked from when the business began trading for real, not from the date the entity was registered.
- Monthly revenue
- $15,000 or moreWhat actually lands in the business account each month. Four even months read better here than one standout.
- Business bank account
- RequiredLive, in use, and under the trading name itself — a personal account will not stand in for it.
- Location
- United StatesThe business has to be formed and trading in the US. We put money to work across all fifty states.
Clear all of these and the file gets a proper read. That is not the same as an offer — plenty of businesses are turned down here, and we would sooner say so within the hour than string it out for a fortnight.
The paperwork
What it takes to get a file open
A short stack earns a first answer. Anything beyond it is asked for down the line, and only once a file is genuinely in motion.
What we request
- Four months of bank statementsFull PDFs straight from the bank, every page, blanks and all. Snapshots from a phone and spreadsheet exports only hold things up.
- A photo ID for whoever signsA driver’s license or a passport — whoever’s name actually goes onto the agreement.
- One voided business checkIt shows us where funds should land and which account the remittance pulls from.
- Something that proves the entityThe EIN letter does it, or the formation paperwork your state keeps on file.
What we will never request
- No tax returns, yours or the business’s — the lone exception is an SBA file, where the program insists on them.
- No business plan, no projections, no slide deck.
- No audited books, and nothing an accountant had to prepare.
- No house, no car, nothing personal signed away as security.
Why us
No one sitting above us to phone
A go-between can only pledge to walk your file over to whoever holds the cash. Here the cash is already ours, which is the single reason a date we name is a date that stands.
Our money, our call to make
We fund direct. No panel sits behind us, no file gets quietly shopped around town, and no outside party can take back a yes after you have heard it. An answer out of this office is the final one — which is the only way we can hand you a timeline and actually stick to it.
The price sits right on the page
The amount, the factor or interest rate, the dollar total, the pull or payment, the expected term — every piece in view before you sign, with a worked example right here on the site that lays out exactly how the figures shake out. If a number is going to bug you, far better it bugs you today than after the ink is dry.
A real person reads it
Underwriting here is a human going over your deposits and daily balances, not a verdict bouncing back off a model. So a business with a rough patch behind it but a steady account still gets a fair look, and the questions you field are about how you trade rather than about filling in a form.
Repeat business is most of ours
Owners circle back, and they bring along the people they trust. That only holds if the second deal feels like the first — the same manager, the same pricing logic, no ugly surprise folded into a renewal. It is also the cheapest route a funder has to grow, which is exactly why we protect it.
The path
From the opening form to money in the account
- 1Under 10 minutes
Send in the application
A single page, plus four months of statements in PDF. Doable from your phone over lunch, and nothing else stands between you and a real answer.
- 2Often same day
A person reviews it
A real underwriter, not a scoring engine, works through the deposits, the daily balances and anything already running, then prices the file to what the account can truly bear.
- 3Same business day
Every number, on one page
The amount, the factor or interest rate, the dollar total, whatever the pull or payment runs to, and the term to expect — all set out before you agree to a thing.
- 4As little as 24 to 48 hours
The money lands
You sign, a quick verification call checks the details, and the wire leaves our own account. The first pull or payment begins the next business day.
The questions
The few that surface on nearly every opening call
If a cash advance is not a loan, what is it?
It is a sale, plain and simple, and the line is a legal one rather than marketing. A named dollar sum of sales you have yet to collect moves to us, we pay a discounted price now, and we get that sum back out of your settlements as they arrive. Since nothing was lent, there is no rate, no APR and no maturity date — those belong to debt. Anyone selling you an advance as a loan has either misread the product or is betting that you will.
How does the factor-rate math work?
Once. You multiply a single time and stop. Seventy-five thousand at 1.30 means we are buying $97,500 of your coming sales, and the $22,500 between the two numbers is everything the money costs — full stop, with nothing added down the line. Time never touches that gap. Clear it in six months or eleven and it is still $22,500, the mirror image of how interest treats a running balance. You can work the sum on a napkin before signing, and the napkin will be right.
A month of soft sales — now what?
What leaves your account drops the same week your sales do, with nobody lifting a finger. We take a share, not a flat figure, so a month at half pace returns roughly half, and the calendar simply lengthens to cover the rest. Nothing gets missed, because no payment was ever scheduled to miss. That is why seasonal owners reach for an advance before anything else. An outright collapse in revenue, as opposed to a dip, is a separate talk, and one to have with us early.
I have an advance out already. Can you still fund me?
Frequently, yes, on one rule: list the open position on the application — the holder, the balance left, the daily pull. Put that in front of an underwriter and we are able to price a second position once the deposits clearly carry two pulls. When they do not, the smarter move is usually consolidating the open balance into one position rather than piling on a third. Hide a position and the file is declined here, and hiding one is also how an owner ends up with a row of debits hitting the account on a single morning. Verification finds it every time, so there is no upside to leaving it off.
Can I renew, and is early payoff possible?
Two things in one, so let us separate them. Early payoff first: the amount we buy is locked — $97,500 in the site’s own example — so handing it over in five months instead of eight trims the calendar without touching that figure. Want a break for delivering early? Write it into the paperwork at the outset, because it cannot be added on afterward. Renewals run the opposite way. Once you are well past the midpoint, nothing bounced and the collection clean, we will underwrite afresh against your latest statements. That is a new call on new numbers, not something you are owed.