Built on your processing
We underwrite based on your card sales, not credit scores or tax returns. If you're processing, you likely qualify.
Working capital
Fast funding based on your sales history.
Lightning-fast working capital to help your business thrive. Repay automatically with a small percentage of your daily card sales — no collateral, no 30-page bank packet.
- Access up to $500,000+
- Terms of up to 18 months
- Prompt approval, often same day
- Repay automatically from daily sales
- No collateral, no upfront fees
Why this matters
Capital that fits how small businesses actually move.
Repay as you sell
A small fixed percentage of every batch comes off the top. Slow week? Smaller payment. No fixed monthly bills crushing you in January.
No collateral, no PG
We don't put a lien on your house, your equipment, or your future. Just your processing volume.
See what you'd qualify for
A typical offer, using round numbers.
Here's what funding looks like for a merchant doing $40,000/month on the terminal. Your actual offer depends on time in business, average ticket, and batch consistency.
$
40,000
/ mo
14
months
Equipment
Inventory
Marketing
Build-out
Payroll
Final terms set by an underwriter after a 5-minute call.
How it works
Four steps to funded.
Submit once. We do the chasing, the underwriting, and the paperwork.
-
01
Submit 3 months of processing statements
Upload PDFs or snap photos. Takes about 5 minutes.
-
02
Underwriting review
A funder reviews your batches, trend, and industry. Typically same day.
-
03
Sign agreement and choose holdback %
You pick the holdback that fits your cash flow — faster payback or smaller bite.
-
04
Funds in your account
24 to 72 hours after signing. Wire or ACH, your call.
What merchants use it for
Real things, not vague "growth."
New equipment
Ovens, lifts, printers, chairs — anything that lets you do more work.
Inventory buy-in
Hit volume pricing from your supplier, stock up for a season, or jump on a deal.
Marketing push
Paid search, local radio, billboards, direct mail — fund a campaign and measure it.
Build-out or renovation
New location, second room, refreshed storefront. Pay contractors on time.
Hiring & payroll
Bring on that second cook, third stylist, or a dedicated salesperson without crimping cash flow.
Bridge through a slow season
Keep the lights on through January, summer lulls, or construction on your block.
FAQ
What merchants ask before they sign.
Short answers. No legalese. If you want the long version, a specialist will walk you through it.
How much can I qualify for?
Up to $500,000+ depending on your trailing card volume, time in business, and batch consistency. Most approvals scale to roughly 100–150% of your average monthly card volume.
What's a factor rate vs an interest rate?
A factor rate is a flat multiplier on the amount funded — e.g. 1.25 on $50K means you pay back $62,500 in total. It's not an APR, and there's no compounding. It's a better fit for short-term cash needs than long-term debt.
What credit score do I need?
There's no minimum. We underwrite on processing history. We've funded merchants with sub-600 personal scores when the card sales and business fundamentals are solid.
Will this affect my credit?
Most of our funders use a soft pull, which doesn't show up as a hard inquiry and has no impact on your score. A few programs do a hard pull at the final step — we'll flag it before you sign.
Can I get more than one advance?
Yes. Once you're about 50%+ paid down, you can stack on top or refinance into a larger advance. Many of our merchants are on advance #4 or #5 with the same funder.
What if my sales drop?
That's the whole point of a holdback model. You repay a percentage of each batch — not a fixed dollar amount. A slow week is a smaller payment. We're aligned with how your business actually performs.
Get the cash now. Pay as you sell.
Five minutes to apply. Same-day decision in most cases. Funds in your account this week.
Check eligibility →