Funding Built for Where You Are Right Now
Capital From Your Very First Day
You don’t need revenue history. You don’t need years of tax returns. All you need is a 680 credit score and a business ready to launch.
Range: $5,000 – $5,000,000
No other lender we know of funds startups with zero revenue history. This is the program that opens the door others keep closed.
- Working Capital Loans Up to $5,000,000
- Loan Features: Our loans are Interest free since we use a Factor Rate or Buy Rate in order to qualify your loan. The Factor Rates are in the range of 1.14 to 1.5
- How Factor Rates work - Working Capital advances do not use the typical Interest Rate or APR. As stated above, these loans are qualified using what is known as a "Factor Rate" or “Buy Rate."
- For example, if you obtained a $100,000 advance at a 1.15 Factor Rate, you would multiply $100,000 X 1.15 which would equal $115,000. This means that the required repayment of this particular advance is the principal of $100,000 plus $15,000 which is the cost of the loan.
- The Factor Rate indicates how much you will pay for the allocated funds, and it is generally expressed as a Multiple or Decimal figure. It may be reflected as a 1.14.
Access a lump sum based on your business revenue. No minimum credit score. Every sector considered. Built for the moments when your business needs to move fast.
Range: $5,000 – $5,000,000
From the moment you share your story to the day funds hit your account — we’ve built a process that respects your time and your intelligence. Most of our clients go from application to funded in 24 to 72 hours.
- Apply via a simple 5-Minute Online Application
- Wait for Due Diligence email & click on Verication/Authentication Link to verify Your Bank account statement
- Review Approval Terms
- Sign Agreement
- Receive Your funds
- Grow Your Business & Live Your Dream
Flexible Terms That Work for Your Business
Repayment terms are built around your program and your business — not a one-size-fits-all schedule. Terms range from 1 to 24 months, with daily, weekly, and bi-weekly options available. No prepayment penalties. Ever.
- Pre-Payment Penalty: No Prepayment Penalty. There are Incentives/Discounts available for Pre-Payment
- Collateral: No Collateral needed
- Origination Fees: Yes but they are varied depending on the investor, industry & health of the business
- Funding Timeline: Approval can be and has often been within 30 minutes to 36 hours (weekdays), and your loan proceeds will be deposited in your account usually within 1 to 3 Business days later.
- Availability: Loans are available in all 50 States.
What We’ll Ask For (most programs require only):
• Last 3 months of business bank statements (for your initial quote)
• State-issued photo ID
• Voided business check (for funding)
• One-page application
• Business bank account (at least 90 days active)
We do not require years of tax returns, audited financials, or collateral on most programs. We built it this way intentionally.
- Last 3 Bank Statements ONLY for Your Quote
- For advances over $250,000 underwriters may request your Most Recent Tax Returns & Financials (which may aslo include Accounts Payable & Accounts Receivables)