Funding for Established Businesses

You've built real revenue. Now get capital that matches it — $10K to $5M, approved on your deposits, funded in as little as 24 hours.

Who this is for

This is funding built for operators who are past the survival stage. You've been in business two years or more, your bank statements show consistent, healthy deposits, and you're doing real monthly volume — think $50,000 to $100,000+ a month in revenue, or roughly $600K to $1M+ a year. You're not looking for a lifeline. You're looking for capital that moves at the speed of a real opportunity.

If that's you, you're in the strongest position an applicant can be in. Established businesses with strong deposits get the largest amounts, the best terms, and the fastest turnaround we offer. The stronger and more consistent your monthly numbers, the better this works for you.

How much you can get — and how it scales

Facilities run from a $10,000 minimum up to $5,000,000. Where you land inside that range is driven mostly by one thing: your average monthly deposits. As a working rule, established businesses can typically access somewhere in the range of one to two times their average monthly revenue for working capital — often more when deposits are large and consistent.

• Higher deposits → higher amount. A business doing $80K/month in steady deposits qualifies for far more than one doing $20K.
• Consistency → better terms. Smooth, predictable month-over-month revenue earns longer terms and lower cost than choppy, seasonal swings.
• Time in business → confidence. Two-plus years of history tells us this is a real, durable operation — and that lowers your cost of capital.

Real example: An HVAC company in its fourth year is depositing an average of $95,000 a month. Statements came in before early afternoon on a Tuesday, the file was signed the same day, and roughly $180,000 landed in the account inside 24 hours — used to buy out a supplier's bulk pricing before the season hit. Strong deposits made both the size and the speed possible.

How it works — three steps

• 1. Apply and share statements. A short application plus your last few months of business bank statements. Checking your options is a soft pull — it does not hurt your credit.
• 2. Get a real offer. We read your actual deposits and come back with the amount, term, and cost you qualify for. No guessing, no fake numbers.
• 3. Sign and get funded. Once you approve the terms and sign, funding can hit in as little as 24 hours. Get everything in before early afternoon ET on a weekday and same-day is on the table. Friday afternoon typically funds Monday.

What serious operators use it for

• Buying inventory or materials in bulk to lock in supplier discounts before a busy season
• Taking on a larger contract or client that requires upfront outlay
• Hiring and payroll to staff up for growth
• Opening a second location or expanding an existing one
• Purchasing or upgrading equipment that pays for itself
• Bridging a timing gap between work delivered and receivables collected
• Consolidating or refinancing higher-cost debt into cleaner terms

The common thread: capital deployed to make more money, not to plug a hole. That's exactly the position established businesses are built to use.

Who qualifies

• Time in business: 2+ years (this is the sweet spot for the best terms)
• Revenue: Strong, consistent monthly deposits — serious operators typically run $50K–$100K+ per month
• Credit: FICO 500+ is fine; we lead with your deposits, not your score
• Collateral: None required for working capital
• Paperwork: A short application and your recent business bank statements

Straight answers

How is this different from a bank loan for an established business?

A bank can take weeks and leans heavily on credit, tax returns, and collateral. We underwrite on your bank deposits, decide fast, and can fund in as little as 24 hours. If you have the time and the profile for a bank, that's often cheaper — this is for when speed and certainty matter.

Does checking hurt my credit?

No. Checking your options is a soft pull. Your credit isn't affected unless you move forward and accept an offer.

How fast can an established business actually get funded?

If you're approved and your signed documents are in before early afternoon ET on a weekday, same-day funding is realistic. Later in the day or Friday afternoon typically means the next business day.

My credit isn't perfect but my revenue is strong. Can I still qualify?

Yes. That's the whole point of underwriting on deposits. Strong, consistent monthly revenue can carry a 500s FICO to a real offer.

Do I need collateral?

Not for working capital. Your business revenue is the basis for approval.

How large a facility can I get?

Anywhere from $10,000 to $5,000,000. Your average monthly deposits are the biggest factor in where you land — the stronger and steadier they are, the higher the amount and the better the terms.

Ready when you are

You've done the hard part — you built a business with real, provable volume. Getting capital that matches it should be simple. Apply in a few minutes, share your statements, and see the real numbers you qualify for. Checking costs you nothing but a soft pull.