Use retained earnings first, then match outside money to the project: a lump sum for a fixed project, a line of credit for ongoing needs, equipment financing for assets.
Check my optionsGrowth
Capitalizing growth means deciding how much comes from profits, how much from debt or revenue-based funding and how much from outside equity. The right mix protects cash while letting the business move fast enough to win.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
Existing balances of $100,000 or less can be bought out.
You can apply at 500; stronger credit opens more products.
A person reviews your revenue, time in business and bank activity, often within hours.
Approved files are usually funded the next business day.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
Profits retained in the business are the cheapest capital, but they arrive slowly. Debt and revenue-based funding are faster and let owners keep full ownership, with a cost paid in interest or a factor rate. Equity from partners or investors costs nothing monthly but gives up a share of future profits and control. Most small businesses grow on the first two, reserving equity for large, long-horizon bets.
A practical rule is to fund each growth step with capital whose repayment matches its return. If a new delivery van will add $4,000 a month in profit, financing it with a payment around half of that leaves room for slow months. If a marketing push is expected to pay back within one season, shorter capital such as an advance can make sense. When the return is uncertain, start small and scale funding as results come in.
Watch total leverage. Every new payment draws from the same cash flow, and funders review all existing obligations before approving more. Keeping a cash reserve, avoiding stacking several short-term products and documenting how each round produced revenue makes the next round easier and cheaper.
Here is a growth step funded with short-term capital, with the payback check. Illustrative numbers.
| Funding for the project | $25,000 |
| Total payback (factor 1.30) | $32,500 |
| Term | ~52 weeks |
| Payment per week | $625 |
| Monthly payment the project must cover | $2,706 |
| Your estimate of added monthly profit | $8,000 |
| Verdict | Pays back within the term |
Illustrative. Replace the estimate with your own numbers before applying.
| Retained profits | Cheapest, slowest |
| Line of credit | Flexible, needs stronger credit |
| Term or equipment loan | Matches long-lived assets |
| Revenue-based funding | Fast, sized on deposits |
| Equity partner | No payment, gives up ownership |
Good fit:
Probably not yet:
Debt or revenue-based funding keeps ownership; equity avoids payments but dilutes control. Many small businesses prefer debt for defined projects.
When combined payments leave little margin in your slowest month, it is too much.
Yes, for short-payback opportunities; longer projects usually suit longer terms.
Revenue-based funders focus on statements, but a clear use of funds helps larger or bank requests.
Start with a smaller round, prove the return, then request more on renewal.
A written view of how much growth will come from profit, debt or revenue-based funding and outside equity, and when.
Example uses for illustration only.
Before you apply:
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding