Retail & specialty
Stock ahead of a season without draining the account.
Direct funder · 10 years · New York
Funding that behaves the same way every month
We fund American small businesses directly — no broker in the middle and no application fee. You see the whole cost before you sign, the schedule does not move afterwards, and a person reads your file rather than a scoring screen.
- $0to apply
- Same daytypical decision
- Fixedcost, disclosed up front
No application feeand no obligation to accept
$5,000 – $2,000,000Funding range
As soon as 24 hoursFrom signed offer to funds
Since 2016Funding U.S. businesses directly
5 minutesTo complete an application
What we fund
Five products, one straight answer about which one fits
Most funders sell you whatever they have. We would rather tell you that a line of credit suits you better than the term loan you asked about, and keep you as a client for a decade.
Business Term Loan
Every figure is settled on the day you sign, and none of them move afterwards.
Explore Term LoanMerchant Cash Advance
We buy a slice of tomorrow’s card settlements so you can hold the cash today.
Explore Cash AdvanceSBA Loan
Several weeks of paperwork buys a decade of small payments.
Explore SBA LoanEquipment Financing
Buy the asset without draining the account that runs the business.
Explore EquipmentBusiness Line of Credit
Take exactly what the week calls for and leave the rest sitting.
Explore Line of Credit
Why businesses stay
Consistency is the whole product
Anyone can wire money once. What a business actually needs is a funder whose numbers do not change between the conversation and the contract, and who is still there the third time you call.
- The figure you are quoted is the figure you sign. No fee appears late in the process.
- One schedule, disclosed in full. You know the total cost of capital before you commit.
- A person on the file. The same advisor from the first email to the renewal.
- Renewals that get easier. A clean first facility is the cheapest route to a larger second one.
How it works
Three steps, and none of them cost you anything
- 1
Tell us about the business
One short form: who you are, what you do, and roughly what you turn over. It takes about five minutes and costs nothing.
- 2
We look at the trading, not a headline number
We read your recent bank activity to understand how money actually moves through the business — the rhythm of it, not one figure in isolation.
- 3
Funds land, on a schedule you agreed
You see the full cost and the exact schedule before you sign. Once you do, funds are released — for most products the same or next business day.
Qualifying
What it takes to be worth applying
We fund on how a business trades, not on a single headline number. Four things tell us whether a conversation is worth both our time.
- 6 months trading
Your business has been operating for at least six months.
- $15,000 monthly revenue
Consistent deposits of roughly $15,000 a month or more.
- A business bank account
Funding is advanced to the business, not to an individual.
- U.S.-based and registered
We fund businesses operating in the United States.
Meeting these does not by itself mean an offer — every application is reviewed on its own facts. It does mean it is worth ten minutes of your time to ask.
Who we fund
Businesses that turn over money, not paperwork
We work across most of the American economy. These four come to us most often.
Restaurants & food
Refit a kitchen, open a second room, cover a slow quarter.
Construction & trades
Bridge the gap between doing the work and being paid for it.
Transport & logistics
Put another vehicle on the road before the contract starts.
Client reviews
What business owners say
★★★★★
Our walk-in cooler failed on a Thursday in July and the repair quote came back as a replacement quote. The equipment file was approved the next morning and paid straight to the supplier, so we never closed the kitchen.
Camille ArdoinOwner, Ardoin Street KitchenBirmingham, Alabama
★★★★★
We bill municipalities, which means we get paid when they get around to it. The line of credit sits there covering payroll across that gap, and in the months we do not touch it there is nothing to pay.
Devin HalloranManaging Partner, Halloran Site ServicesNew Haven, Connecticut
★★★★★
Ninety percent of what we take is on a card, and the winter is genuinely dead here. The advance came out of daily settlements, so January cost us less than August did without me having to ask anyone for anything.
Priya RaghunathanOwner, Fourth Street SalonReno, Nevada
Questions
The ones people actually ask
What kind of business qualifies to apply?
Two years of trading history, roughly $250,000 in annual revenue, a business checking account in the company’s legal name, and operations based in the United States. Those thresholds decide whether a file gets underwritten — they do not decide the outcome. Every application is assessed on its own bank activity and obligations, and we decline files that do not hold up.
How quickly does the money actually land?
A cash advance is frequently funded on the day it is approved. Term loans, equipment and a first line of credit draw generally settle within 24 to 48 hours. SBA files are the outlier at 30 to 90 days, because the agency programs require a documentation package no amount of urgency shortens.
What documents do you ask for?
For most products: six months of business bank statements as PDFs, your EIN letter or formation filing, a voided business check, and photo identification for the person signing. Equipment files add the vendor quote and the serial or VIN. SBA files add business and personal tax returns, a schedule of existing obligations, and interim financial statements — we build that package with you rather than handing you a checklist.
Is a merchant cash advance a loan?
It is not. A loan lends principal and charges for the use of it over time. An advance is a completed purchase: we buy a stated dollar amount of receivables your card processor has yet to settle, pay you less than face value for them, and collect a share of daily settlements until the purchased amount is delivered. The cost is a factor rate fixed in the agreement, not an interest rate, and there is no maturity date.
What happens if I want to pay something off ahead of schedule?
Term loans, equipment financing and a business line of credit can all be settled early, and there is no penalty for doing so. An advance works differently: the purchased amount is fixed, so delivering it faster shortens the period without reducing the total. If you want a reduced early-delivery figure, it has to be negotiated into the agreement before signing, not afterwards.