Business funding · direct capital since 2012
Working capital up to $5M
from a direct lender.
Faster than your bank, smarter than your fintech. For U.S. businesses 3+ years in operation. Your file, your money, no middleman. One application, one underwriter, approved in minutes and funded same day.
- Up to $5M
- No hard credit check
- Funding in 24 hours
- All 50 states
How we lend
From application to funded, in a single day.
No multi-week underwriting cycle. No document marathon. No hard credit check to get a number.
Apply
A short form and your last four months of business bank statements is enough to start.
Get a soft offer in hours
Same-day soft offer for qualified files. Pre-approval is a soft inquiry only, with no hard credit check.
Get funded in 24 hours
Accept and sign, and funds typically wire within 24 hours of approval.
What working capital means here
Capital that flexes with how your business earns.
PIRS advances working capital against a portion of your future business revenue. We fund the capital today; you repay it as a small, agreed share of your daily or weekly receipts until the balance is satisfied.
The structure flexes with the business: slower weeks cost less because the share is smaller, busier weeks pay down faster. There's no fixed monthly payment landing on a date when cash happens to be tight.
That flexibility is what lets PIRS deliver working capital up to $5M: for inventory, ad spend, payroll, equipment, expansion, and anything else that grows the business.
Amounts & terms
What funding actually looks like.
Every offer is sized to your business. These are the ranges most approved files fall within. Your funding specialist quotes specifics.
Funding amount
$10K – $5M
Estimated term
18 months
Time to funding
As fast as 24h
Cost
Fixed factor rate
Cost is a fixed factor rate set up front, not a compounding interest rate. A $100,000 advance at a 1.25 factor means repaying $125,000 total, with no surprises. Actual amount, term, and rate depend on your revenue, time in business, and intended use.
Why PIRS
Structure that meets the business where it actually is.
Flexible repayment
Repayment scales with daily sales. Slow weeks cost less; busy weeks pay down faster.
Same-day decisions
Most qualified files get a soft offer the day they apply, with funding the next.
No hard credit pull
Soft inquiry only at pre-approval. Applying does not impact your personal credit score.
Direct lender
We lend our own capital. One underwriter, one decision, no brokered hand-offs.
Who qualifies
Built for established U.S. businesses.
Every file is reviewed on its own merits, but these are the thresholds most approved deals share. Guidelines, not hard gates.
Time in business
3+ years
Annual revenue
$500K+
Personal credit floor
500+ FICO
Geography
All 50 states
No hard credit check: pre-approval uses a soft inquiry only. A handful of industries (real estate, motor-vehicle sales, legal/accounting, travel, casinos, and limo/taxi) are restricted.
Who we fund
One funding product, underwritten by industry.
Working capital is the same product across the board; what changes is how we underwrite each industry's cash cycle, seasonality, and payouts. Find yours below.
Common questions
Working capital, answered plainly.
How is this different from a loan?
What is a factor rate?
How fast can I be funded?
Will applying affect my credit?
What can I use the funds for?
Can I renew my working capital?
- BBB A+ Accredited
- Trustpilot
PIRS Capital's product is legally a purchase of future receivables at a discount, not a loan. State commercial-financing disclosures (CA, NY, VA, UT, GA) are provided where required; see State Disclosures. All offers subject to underwriting, qualification, and verification.
Get a same-day soft offer.
Apply with four months of business bank statements. A real person owns your file from start to finish.