- Funding
- $10,000 – $5,000,000
- Cost
- Factor rate, typically 1.10 – 1.50
- Term
- 4 – 24 months
- Payments
- Daily, weekly, bi-weekly or monthly ACH
- Time to fund
- 24 – 48 hours
- Qualifying
- 6+ months in business, credit-flexible — driven by revenue
Best fitBusinesses that need capital quickly, or are bridging payroll, inventory or receivables.
- Funding
- $1,000 – $150,000+
- Intro rate
- 0% APR for 7 – 21 months
- Payments
- Roughly 1 – 3% of the balance
- Time to fund
- 1 – 4 weeks
- Qualifying
- 680+ personal credit, no time in business required
- Sources
- Major national banks
Best fitStartups and owners with strong personal credit who want the lowest-cost capital available.
- Funding
- Up to $5,000,000
- How it works
- A weekly deposit offsets your existing daily payments
- Effect
- Immediate cash-flow relief
- Term
- Typically around 6 months
- Qualifying
- Existing advances in good standing
Best fitMerchants stacked with several advances whose daily payments have outgrown their deposits.
- Funding
- $50,000 – $10,000,000
- Rate
- Variable, Prime + lender spread
- Term
- Up to 5 – 10 years
- Use of funds
- Working capital, expansion, equipment, refinancing
- Time to fund
- 30 – 90 days
- Qualifying
- 2+ years in business, 660+ credit, full financials
Best fitEstablished, documented businesses trading speed for the lowest available rate.
- Credit line
- Up to $1,000,000
- Rate
- From 1% per month
- You pay
- Only on what you draw, not the full line
- Term
- 12 – 48 months, weekly or monthly
- Time to fund
- As fast as 24 hours
- Qualifying
- 3+ years trading, $25,000+ monthly revenue, 650+ credit
Best fitEstablished businesses with recurring or seasonal cash-flow gaps who want to draw, repay and draw again.
- Credit line
- $5,000 – $100,000
- Term
- 4 – 6 months
- Payments
- Daily, weekly or bi-weekly
- Position
- 1st through 3rd
- Qualifying
- 1+ year trading, $15,000+ monthly deposits, under 4 negative days a month
- Also needed
- Bank connection; no minimum daily balance
Best fitBusinesses that don’t yet meet bank criteria but have steady deposits and want revolving access rather than a lump sum.
Program exclusions
Not available to sole proprietorships or non-profits, in Texas, or for cannabis, guns & ammunition, trucking and transportation, moving companies, debt collection, auto & boat sales, adult entertainment, or financial, investment and crypto businesses.