Business Loan to Cover Commercial Rent

Rent's due, the deposits haven't landed yet, and eviction isn't an option. Get funding in as little as 24 hours — approved on your bank deposits, not your credit score. Checking rates is a soft pull.

You're not behind — you're just early on the money

The lease payment is due on the first. Your customers pay on the fifteenth. That gap is the whole problem, and it has nothing to do with whether your business is healthy. A good month is coming — it just isn't here yet, and your landlord doesn't care about your accounts receivable.

Maybe a big client stretched their payment terms. Maybe you had a slow two weeks. Maybe an equipment repair or a payroll run ate the cushion you were counting on for rent. Whatever put you here, the clock is the same: miss commercial rent and you risk late fees, a default notice, a damaged relationship with a landlord you need, or in the worst case, eviction and the loss of the location your whole business runs on.

Funding to make rent this month isn't about being irresponsible. It's about not letting a timing gap cost you a lease you've spent years building. We approve on the deposits flowing through your bank account — so if the revenue is real, the short-term shortfall doesn't have to sink you.

How funding to make rent works

Three steps, built for people who need an answer today — not a two-week underwriting process.

• 1. Apply in minutes. Tell us the basics about your business and how much you need to cover rent (and anything else that's tight). Checking your rate is a soft pull — it will not ding your credit.
• 2. We look at your deposits, not just your score. Connect or send your last few months of bank statements. We're reading the money moving in, so FICO 500+ is fine and a rough credit history won't automatically stop you.
• 3. Get funded — often in as little as 24 hours. Once you're approved and sign, funds can hit your account fast enough to send the landlord this week. You use it for rent, back rent, or bridging the slow stretch — your call.

What this looks like in real dollars

Say your commercial rent is $9,000 a month and a delayed $22,000 client invoice left you short for the first. You take $12,000 in working capital — enough to cover rent plus a little breathing room for utilities and payroll. The invoice clears two weeks later, and you're back on your feet with the lease intact and no default on your record.

That's the point of bridge funding: you're not borrowing because the business is failing, you're borrowing to close a two-week gap that would otherwise cost you your location. The cost of the funding is almost always smaller than the cost of losing the space, eating eviction and legal fees, or paying to relocate and rebuild your customer traffic somewhere new.

Who qualifies: businesses in any industry — retail, restaurants, salons, gyms, offices, warehouses, medical, trades, e-commerce with a storefront lease. Generally you'll want a few months in business and steady deposits. No collateral required for working capital, and a low credit score alone won't disqualify you.

Straight answers

Can I really get a business loan just to cover rent?

Yes. Working capital can be used for whatever your business needs, including commercial rent, back rent, and other bills. We don't restrict how you spend it.

How fast can I get the money?

After approval and signing, funding can arrive in as little as 24 hours. Timing depends on your bank and how quickly you get us your statements, so apply as early in the crunch as you can.

My credit isn't great. Am I out of luck?

No. We approve based on your bank deposits, not your credit score. FICO 500+ is considered, and strong, steady revenue can matter far more than your number.

Will checking hurt my credit?

No. Checking your rate is a soft pull with no impact on your credit. You only move to a hard pull if you decide to move forward.

I'm already behind on rent. Can this cover back rent too?

Yes. As long as your deposits support the amount, you can use funding to catch up on past-due rent and get current with your landlord, not just cover the coming month.

Do I need collateral?

Not for working capital. Most rent-bridge funding is unsecured, so you don't have to pledge equipment or property to get it.

Don't let a timing gap cost you your lease

Rent is one of the few bills where a single late payment can threaten your entire business. If the money's coming but not fast enough, bridge the gap before it becomes a default. Check your rate now — it's a soft pull, and you could be funded in as little as 24 hours.