Business funding up to $5,000,000 — decided by your bank statements.
Advances offered within the hour. Term loans funded in as little as a week. One 5-minute application, no hard credit pull.
- Revenue advances: offer in ~1 hour, same-day funding
- Term loans to $5M: funded in 1 week – 2 months
- No hard credit pull to see your offer
Three ways we fund. One application.
Your statements decide the numbers — not a sales call. Every product starts with the same 5-minute application.
Revenue advance
Fast working capital with a fixed payback, matched to your deposit pattern.
- Amounts
- $10K – $500K
- Terms
- 4 – 12 months
- Speed
- Offer in ~1 hr · same-day funding
Term loan
Larger capital for expansion, acquisition, equipment, and real projects — at term-loan pricing.
- Amounts
- $250K – $5M
- Terms
- 1 – 5 years
- Speed
- 1 week – 2 months
Position consolidation
Replace multiple daily withholds with one position sized to your real revenue.
- Amounts
- $25K – $500K
- Existing positions
- Factored in, not auto-declined
- Goal
- One payment, lower withhold
Why owners apply here.
No hard credit pull
Your offer is computed from bank statements. Credit is reviewed once — at final underwriting, after you've seen your number and asked to proceed.
An answer within the hour
Underwriting starts the moment you submit. Clean bank-portal PDFs typically produce an offer email the same morning you apply.
A real number, not a teaser
The amount in your email is the amount we intend to fund, subject only to verifying two documents. No bait ranges, no callback funnel.
Recently funded
On the books this month.
What can you do with the funding?
Use of funds is your call — these are the most common on the files we fund:
- Purchase inventory
- Cover payroll
- Replace or repair equipment
- Stabilize cash flow
- Expand or renovate
- Hire employees
- Launch marketing
- Consolidate business debt
Funding that moves at your speed.
-
1
Complete the application
About 5 minutes online. Upload your last 3 business bank statements as part of the same form.
-
2
Get your offer by email
Underwriting runs on submission. Your private offer link shows the amount and term options — typically within the hour.
-
3
Verify and sign
Upload a driver's license and a voided check on your offer page, request contracts, and e-sign. Funding follows signature.
Client stories
Owners who needed an answer, not a process.
The supplier deal had a Friday deadline. I applied Tuesday morning and the offer was in my inbox before lunch — we took delivery the next week at 14% under list. That margin paid for the financing twice over.
I had three advances stacked and was paying every single day. They consolidated everything into one weekly payment and my withhold dropped by a third. First month in a year I wasn't sweating Thursdays.
Banks wanted three years of projections for the new location. Sullivan looked at what the first location actually deposits every month and termed out $1.2M in under six weeks. The projections are now just… true.
Are we a match? Check the minimums.
If the business clears these four, it's worth the five minutes. (Term loans above $500K may ask for a few additional documents at underwriting.)
in business
monthly deposits into a business account
account with 3 months of statements
business, any of the 50 states
Know more than your lender expects.
All guides →
How lenders actually read your bank statements
Deposits aren't revenue. What underwriters count, what they exclude, and the five numbers that decide your offer.
Advance vs. term loan vs. line of credit
Factor rates aren't APRs. The honest math on what each product costs and when each one actually fits.
9 ways to strengthen your statements before applying
Practical fixes — most take one banking cycle — that measurably improve the offer your file produces.
What is revenue-based financing?
How it works, who it's for, what it costs — and the red flags that separate fair funders from predatory ones.
Common questions.
All questions →Will checking my offer affect my credit?
No. Offers are computed from your bank statements with no hard credit pull. Credit is reviewed once, at final underwriting, after you've accepted an offer and requested contracts.
How fast do I get the money?
Offer typically within the hour of applying; funding typically the next business day after you e-sign. The slowest step is usually waiting on your two verification documents — upload them right on the offer page to keep it moving.
I already have an advance. Can I still qualify?
Usually, yes. Existing positions are sized into the offer rather than treated as an automatic decline — and consolidating multiple positions into one is one of the most common things we fund.
What exactly do you need from me?
The 5-minute application, your last 3 business bank statements (PDFs from your bank's portal), and — after you accept an offer — a driver's license and voided check.
Five minutes now. A real number in your inbox within the hour.
Free to apply. No obligation. No hard credit pull.
Check my offer