Direct capital · since 2012
Built to
Close.
Direct capital. Faster than your bank and smarter than your fintech. Working capital up to $5M, approved in minutes and funded same day.
See your number. Soft pull, no credit hit
Soft credit check only. Your credit doesn't affect your eligible amount. It's based on your revenue.
Your estimate
You may qualify for up to
$120K
Informational estimate based on the figures you entered, not an offer of credit. Final amounts are determined after a full review.
- No hard credit check
- Soft offer in hours
- Funding in 24 hours
BBB A+ Rated$1B+ Deployed100,000+ Businesses Funded50 States
The record
Fourteen years. Fifty states. Capital that shows up.
Deployed to U.S. businesses
Businesses funded
Up to, per business
To funding, when it counts
The path
From application to funded, in a single day.
Apply in minutes
A short application and your last few months of bank statements. No mountains of paperwork.
Soft offer in hours
We review your file the same day. A soft pull only, so your credit is never touched.
Funded in 24 hours
Approve your terms and capital lands in your account, often the next business day.
Who we fund
Capital tuned to how your industry runs.
We underwrite to your cash cycle: seasonal swings, long receivables, equipment-heavy growth. Don't see yours? We still fund it.
Why PIRS
Built different, on purpose.
Direct capital. Faster than your bank, smarter than your fintech. Our own capital, our own decisions, in minutes.
Partner with PIRS
Built on the people who
refer the deals.
A direct lender that protects your relationships and pays on every renewal. Let's grow together.
Proof
Real businesses. Real outcomes.
Rated & accredited
Proud member
Answers
Questions, answered.
What is working capital from PIRS?
Flexible capital your business can use for any need: payroll, inventory, equipment, expansion, or bridging a cash-flow gap. It’s a purchase of your future receivables, not a loan, so there are no compounding interest charges.
Will applying affect my credit score?
No. We use a soft pull for pre-approval, which never affects your credit score. There’s no hard credit check to get a soft offer.
How much can I qualify for?
Up to $5M, depending on your revenue and business profile. Use the pre-approval tool above for a quick estimate.
What are the qualifications?
As general guidelines: 3+ years in business, $500K+ in annual revenue, and a 500+ FICO. Guidelines, not hard gates. We look at the whole picture.
How fast can I get funded?
We make same-day decisions on qualified files and can fund in as little as 24 hours once you accept your terms.
How is PIRS different from a marketplace?
PIRS is a direct lender. The team that reviews your file is the one that funds it. Your file is never shopped around or marked up by a middleman.
More questions? Read the full FAQ
Built to Close.
Apply in minutes for a soft offer with no hard credit check. We'll do the rest.