Apply online from anywhere. Working capital from $25,000 for established small-town and country businesses with steady deposits.
Apply From AnywhereRural Business Funding
Rural businesses run on seasons and long relationships. We review your deposits online, account for your busy and slow months, and show the full cost before you accept.
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.
A 5-minute application and about three months of statements. Funding in as little as 24 hours for qualified businesses.
FICO 500+ is considered. Your deposit history counts as much as your score.
Your offer shows the full repayment amount before you accept. No surprise costs after you sign.
The repayment schedule is laid out in your offer, so you can plan it around harvest or tourist season.
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.
A feed store, a rural auto shop, a family restaurant off the state highway, an outfitter near a lake, a contractor serving three counties. Rural businesses often run on long relationships and seasonal rhythms, but their banking options can be thin. The nearest branch may be a long drive away, and a small community bank may not have room for the request.
We offer funding for businesses in rural areas entirely online. Working capital runs from $25,000 to $5,000,000, and the 5-minute application starts with a soft credit pull.
Location is not the deciding factor. The review looks at the same things it does for any established business:
No tax returns are required.
Rural owners use working capital for equipment repairs before planting or peak season, for stocking up while a supplier has product, for payroll through a slow winter, and for repairs after storms. A tractor, a service truck or a walk-in cooler often matters more out here because the nearest replacement is far away. If weather is the issue, see funding for recovering after a storm. Family-run operations may also find funding for family-owned businesses useful.
Equipment financing covers vehicles and machinery. A business line of credit fits the up-and-down cash flow of seasonal work. Working capital or revenue-based financing suits a one-time need. Sole proprietors, who run many rural businesses, can apply.
Gather about three months of business bank statements from the account your sales flow through. If you deposit cash from a farm stand, a bait shop counter or a small-town storefront, make sure it lands in that account so the statements tell the full story. A short note on when your busy season runs and what the funds will cover is helpful, and the application itself takes about 5 minutes.
Your offer lists the full repayment amount and repayment schedule before you accept, so you can plan it around your season without guesswork.
No. The whole process runs online, from the 5-minute application to reviewing your offer.
Yes. Funders look at about three months of statements and weigh seasonality, existing obligations and credit together. Explaining your busy season helps.
Equipment financing can cover vehicles and machinery used in the business. The review considers your deposits and current obligations.
No. About three months of business bank statements and the application are what we start with.
Funding can arrive in as little as 24 hours for qualified businesses, depending on your bank's processing.
Example uses for illustration only.
These steps help a rural business present a clear picture.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding