Large Business Loans $100K–$5M, Funded Fast on Your Deposits

Serious funding for established businesses doing real monthly volume. Approved on your bank deposits, not your balance sheet — soft pull to check, funded in as little as 24 hours.

Who this is for

This is large-facility funding for operators who are already doing the numbers. If your business is putting $50,000, $100,000, or more through the bank every month, you are exactly who this is built for. The stronger and more consistent your deposits, the larger the amount you can access and the better the terms you'll see.

We are not a bad-credit-first lender and this is not a small starter loan. This is capital for established businesses that need real money to move on real opportunities — inventory buys, expansion, payroll through a growth phase, buying out a competitor, or funding a large contract. Minimum facility is $10,000, but the businesses on this page are typically looking at $100,000 to $5,000,000.

How much you can get — and how it scales with your deposits

Approval here is driven by your bank deposits, not a rigid credit box. We look at your monthly revenue and how steady it is, then size the offer to what your cash flow can comfortably support. That's why volume matters so much: bigger, more consistent deposits unlock bigger facilities and stronger pricing.

Real example: a business running roughly $100,000 a month in deposits — call it $1.2M a year — with a steady 12 months of statements can typically access somewhere in the range of $100,000 to $200,000+ in working capital, funded in as little as 24 hours. Push that monthly volume higher, or add strong seasonality and time in business, and facilities scale up toward $500K, $1M, and beyond for the right revenue profile.

• $10K–$5M in available funding, with larger facilities reserved for higher-volume operators.
• Sized to your deposits — the amount tracks your real monthly revenue, not a generic formula.
• Better terms as you scale — stronger, more consistent volume means larger amounts and improved pricing.
• No collateral required for working capital.

How it works — three steps

• 1. Apply and share your numbers. Quick application plus your recent business bank statements. Soft pull only to check — it won't affect your score.
• 2. Get an offer sized to your deposits. We review your revenue and cash flow and come back with an amount and terms that fit what your business actually does.
• 3. Sign and get funded. Approve the offer and funds can hit your account in as little as 24 hours. Statements in and signed before early-afternoon ET on a weekday can fund the same day.

What serious operators use it for

• Buying inventory in bulk to hit better supplier pricing and protect margin.
• Funding payroll and operations through a fast-growth or seasonal ramp.
• Taking on a large contract or order that needs cash up front to deliver.
• Opening a new location, expanding a facility, or adding equipment capacity.
• Acquiring a competitor or buying out a partner.
• Bridging a timing gap between receivables without slowing the business down.

Who qualifies

• Established business with consistent monthly bank deposits — ideally $50,000–$100,000+ per month.
• Time in business showing a real operating track record.
• FICO 500+ is workable; approval leans on revenue, not just credit.
• Business bank statements available to verify deposit strength.
• No collateral needed for working capital facilities.

Short close

If your business is doing real volume, you shouldn't be squeezed into a small loan or a slow bank process. Show us your deposits and we'll show you how large a facility your revenue can support — with a soft pull to check and funding possible in as little as 24 hours.

Straight answers

How large a loan can I actually get?

Facilities run from $10,000 up to $5,000,000. For businesses doing $100K a month in deposits, $100K–$200K+ is a typical starting range, and it scales up from there with higher, more consistent volume, time in business, and overall cash-flow strength.

Do you look at my credit or my revenue?

Primarily your revenue. We approve on your bank deposits, so strong, steady monthly volume matters most. FICO 500+ is fine, and checking is a soft pull that won't affect your score.

How fast can a large facility fund?

As little as 24 hours. If your statements are in and you sign before early afternoon ET on a weekday, same-day funding is possible. Sign on a Friday afternoon and funds typically arrive Monday.

Do I need collateral for a large amount?

No collateral is required for working capital, even at larger facility sizes. Approval is based on your deposit strength and cash flow.

What makes the amount and terms go up?

Volume and consistency. The more your business deposits each month and the steadier that revenue is, the larger the facility you can access and the better the pricing you'll qualify for.