Four ways in, priced openly
One of these fits your file. The qualification checker will tell you which, before you hand over a phone number.
Business Line of Credit
- 12–36 month terms, re-amortized on every draw
- Rates from 1% per month
- No origination or maintenance fee
- 2.49% draw fee, $10,000 minimum draw
- Can sit in second position
Business Term Loan
- 12–18 month terms, weekly payments
- 0% origination fee
- 50% off remaining interest on full early payoff
- Capped at 15% of annual revenue
- First position only
MCA Refinance & Buyout
- Buy out an existing position of $100K or less
- Move off daily debits onto weekly payments
- Up to 2 current positions allowed
- Renewal opens at 50% repaid
Check What You Qualify For
- Five questions against the published thresholds
- Tells you which tier you land in
- No credit impact to check
- Answers in seconds, no signup
The exact thresholds, not a sales range
We read twelve competitor websites in September 2026 and recorded what each publishes. Only one published an actual APR. Two published no rate at all. Here is everything we publish.
Miss one line and it is not over. The second tier exists for exactly those files — 6 months in business, a 600 score, $60,000 in revenue. See all three tiers side by side →
Work out the real number before you talk to anyone
Three tools, no email wall, no signup. If the answer is that you do not qualify yet, they say so.
Qualification checker
Five questions against the published thresholds. Tells you which tier you land in, including when the answer is no. Open →
Factor rate calculator
What an advance actually costs: total payback, cost in dollars, and what leaves the business each month. Open →
Advance payoff calculator
Where you stand on an advance you already have, and whether a buyout or renewal is open to you. Open →
From application to funded
Apply in minutes
A short application. No impact to your credit score to see what you qualify for.
Send statements
Three months of business bank statements. No tax returns required.
Same-day decision
Reviewed against every product, then matched to the one that actually fits the file.
Funded next day
Next-business-day funding once the file is complete and signed.
Nine comparisons that say when we are wrong
Factor rate against interest rate. An advance against a term loan. Daily payments against weekly. Each one states plainly where our product is not the right answer — because a comparison that always reaches the same conclusion is not a comparison.