Working capital,
answered honestly.

Most approved businesses meet three benchmarks: 3+ years in business, $500K+ in annual revenue, and a 500+ FICO credit profile. These are guidelines, not hard cutoffs. Every file is reviewed on its own merits, and strong, consistent sales can offset a weaker score.

Often, yes. Working-capital underwriting leans on your business bank statements and sales history rather than your credit score alone, so many businesses a bank turns down still qualify based on demonstrated revenue.

We fund established U.S. businesses across most industries: restaurants, construction, retail, healthcare, manufacturing, e-commerce, and more. A handful of industries are restricted; if you're unsure, the fastest way to find out is to start an application.

Time in business is one factor among several. A newer business with strong, consistent revenue may still qualify, though the offer may be sized more conservatively. The best way to know is to apply. A pre-approval review is quick and carries no obligation.

Working capital up to $5M.Your actual offer is sized to your business's revenue and cash flow. Funders extend an amount your sales can comfortably support, not a flat maximum.

Qualified applications can receive a same-day decision, with funding in as little as 24 hours once a deal is finalized. The timeline depends on how quickly we receive your bank statements and complete underwriting.

No. Working Capital is priced with a factor rate, not an interest rate. The factor rate is a fixed multiplier set at funding; multiply your advance by it to get the total amount you'll deliver. It doesn't accrue or compound over time. You can read the full mechanics in our Working Capital 101 guide.

Not in the legal sense. The product is a purchase of future receivables at a discount: a purchase of a fixed amount of your future receivables at a discount, not a loan of money repaid with interest. “Working Capital” describes how you use the funds; the underlying product is an advance.

Anything that helps your business operate or grow: inventory, payroll, equipment, expansion, marketing, or bridging a slow-paying receivable. There's no restriction on use of funds.

No hard credit check to apply.Pre-approval uses a soft inquiry that doesn't affect your credit score. A hard pull only happens later, once a specific deal is in motion and you've agreed to move forward.

A short application plus a few months of recent business bank statements is enough to get started. The statements are what let our underwriters evaluate your cash flow.

Start with our online application or use the pre-approval tool to get a rough estimate first. Prefer to talk? Call us at 888-494-4881.

None. Applying and seeing what you may qualify for carries no obligation and no cost. You decide whether to move forward only after you've seen real terms.

Repayment is collected as a fixed amount debited from your business bank account by ACH, typically daily or weekly, until the agreed purchased amount is delivered. The schedule is set to fit your sales rhythm.

A reconciliation (or “true-up”) provision lets you adjust remittances so they track your actual sales. If a fixed debit ends up exceeding the agreed percentage of your receipts during a slow stretch, you can request a reconciliation. Always confirm this provision is in your agreement before signing.

Because the obligation is a fixed purchased amount rather than an interest-bearing balance, an early payoff doesn't automatically reduce the total, unless your agreement includes an early-delivery or prepayment discount. Ask about this up front so you know your options.

Yes. Once you've paid down a meaningful portion of an advance, a renewal can extend additional capital. A clean track record with us usually means a faster, smoother renewal. That's how a relationship-first lender is supposed to work.

A direct lender underwrites, prices, and funds with its own capital, so decisions are faster and there's no middle layer marking up the offer. Explore the ISO / Broker and Referral programs to see which fits how you work.

Yes. Approved ISOs and brokers get access to the partner portal for submissions, deal status, and direct communication with underwriting. Referral partners are kept in the loop directly by their PIRS contact.

No. We don't market around our partners. The merchant stays your relationship, and your name remains attached to the introduction.