Funding 1,200+ small businesses this month

Working capital.
Funded today.
Not next quarter.

Small business loans from $5,000 to $500,000 for the owners banks keep saying no to. Apply in 4 minutes. Real offer in an hour. Cash in your account by tomorrow.

Check your offer → How it works
✓ Won't affect your credit. No collateral required.
$2.1B
Funded to date
12,400+
Businesses funded
94%
Approval rate
24hr
To funding
Restaurants ● Trucking ● Retail ● Contractors ● E-commerce ● Salons ● Auto shops ● Healthcare ● Restaurants ● Trucking ● Retail ● Contractors ● E-commerce ● Salons ● Auto shops ● Healthcare ●
How it works

Three steps. Zero headaches.

01

Apply in 4 minutes

Tell us about your business and connect your bank account with one click. No tax returns. No fax machine. No business plan presentation.

02

Get a real offer

We make a decision in under an hour using your actual business performance — not just a credit score. Soft credit pull. Won't affect your score.

03

Cash by tomorrow

Sign your offer and the money hits your business account by the next business day. Use it however you need. No restrictions, no surprises.

Loan options

Financing that fits your business.

Flexible

Line of Credit

$10K–$250K
Rates from 8.99% APR
  • Draw what you need, when you need it
  • Pay interest only on what you use
  • Revolving — pay it back, use it again
  • No prepayment penalties, ever
Most popular

Working Capital Loan

$25K–$500K
6–24 month terms
  • Lump sum up front, fixed payments
  • Best for big, planned investments
  • Predictable schedule, no surprises
  • Daily, weekly, or monthly options
Fast cash

Invoice Factoring

Up to 95%
Of invoice value, same day
  • Turn unpaid invoices into cash today
  • No new debt on your books
  • We collect, you focus on the work
  • Perfect for B2B and contractors
See your numbers

Estimate your payment in 15 seconds.

Loan amount $50,000
Term length 12 months
Estimated rate 11.5% APR

Estimate only. Final terms based on your application.

Estimated monthly payment
$4,425/mo
Total interest
$3,100
Total repaid
$53,100
See real offers →
What you can use it for

Spend it on whatever moves the needle.

💰
Payroll
📦
Inventory
🔧
Equipment
📢
Marketing
🏗️
Expansion
⚡
Emergencies
Real business owners

The proof is in the payroll.

"
My bank wanted 60 days and three years of tax returns. Business Financing Today wired $80,000 in 19 hours. We bought the second truck, doubled our routes, and paid it off in 8 months.
MR
Marcus Reyes
Reyes Hauling · Phoenix, AZ
"
We hit a cash crunch right before the holiday rush. The line of credit saved Christmas. Honestly. It's the financial product I wish I'd had ten years ago.
DK
Dana Kim
Kim & Co. Boutique · Austin, TX
Questions

Things people actually ask.

What do I need to qualify?
+
A US-based business that's been operating for at least 6 months, $10,000+ in monthly revenue, and a business bank account. That's it. We don't require collateral, perfect credit, or a personal guarantee on most of our products.
Will applying hurt my credit score?
+
No. Our pre-approval uses a soft credit pull that's invisible to anyone else and won't affect your score. We only do a hard pull if you accept a final offer and want to move forward.
How fast can I really get the money?
+
Most approved applications are funded within 24 business hours of accepting an offer. Same-day funding is available for invoice factoring on amounts under $50,000.
What are your rates?
+
Rates start at 8.99% APR for our line of credit and vary based on your business profile, time in operation, and monthly revenue. You'll see your actual rate before committing — no surprises, no bait-and-switch.
Are there hidden fees?
+
No. We charge an origination fee (1–3%) on funded loans and that's the only fee. No prepayment penalties, no maintenance fees, no draw fees on the line of credit. Pay it off early and you save money.
What industries do you fund?
+
Almost all of them — restaurants, retail, trucking, construction, healthcare, professional services, e-commerce, auto, beauty, and more. If you've got a US business with steady revenue, we likely have a product for you.

Stop waiting
on the bank.

Check what your business qualifies for in 4 minutes. No commitment. No credit hit. Just an answer — today.

Get my offer →