A working capital advance is priced on your revenue, not your credit score. We underwrite off recent bank activity, so businesses with strong deposits and thin credit files still get approved — often with funds the next business day.
Best for
- Restaurants, retail, contractors and service businesses with consistent monthly deposits
- Covering payroll gaps, bulk inventory buys, or a time-sensitive opportunity
- Owners who need speed and flexibility over the lowest possible rate
What you'll need
- 6+ months in business
- $10,000+ average monthly revenue
- 3–6 months of business bank statements
- No minimum credit score
How it works
- Apply in five minutes with your last 3–6 bank statements
- Our team reviews your file and presents real offers, side by side
- Sign electronically and receive funds in as little as 24 hours
Common questions
How are payments structured?
Payments are a fixed daily or weekly debit tied to your revenue, so the schedule is predictable and short.
Will this hurt my credit?
Most working capital products require only a soft pull. We'll tell you before any hard inquiry is made.
Can I get more later?
Yes. Once you're roughly halfway through, many partners will renew at better terms based on your payment history.