Paid by clients, insurers, or platforms instead of card terminals? We read your bank deposits. $25,000 to $5,000,000, FICO 500+ considered.
Check EligibilityACH Deposit Business Funding
Contractors, staffing firms, B2B suppliers, and practices paid by ACH can apply in 5 minutes with about three months of statements.
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.
Five-minute application, about three months of statements, funding in as little as 24 hours for qualified businesses.
FICO 500+ is considered. ACH deposit history carries weight.
Your offer shows the full repayment amount before you accept. No surprise costs after you sign.
The repayment schedule is in your offer up front so you can line it up with client pay cycles.
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.
Contractors paid by general contractors, staffing firms paid by clients, medical practices paid by insurers, B2B suppliers, and ecommerce sellers paid out by platforms all get most of their revenue by ACH. Some funders build everything around card processing, which leaves these businesses out. We look at the bank account, where every ACH deposit already shows up.
We fund established businesses with steady deposits from $25,000 to $5,000,000. The 5-minute application starts with a soft credit pull.
ACH deposits are often larger and less frequent than card settlements, so funders look at a few things closely:
Working capital with a set repayment schedule is common. A business line of credit helps smooth the wait between invoice and payment. Revenue-based financing can tie repayment to incoming deposits. Waiting on one big payer? See funding for a slow-paying client. Practices waiting on insurers can look at funding for medical billing delays.
For illustration: a staffing firm paid by four clients on net-30 might show weekly payroll going out and lumpier ACH deposits coming in. A short note listing main payers and their usual pay cycle helps a reviewer understand the pattern. Every offer shows the full repayment amount and schedule before you accept. No tax returns are required.
Few businesses are pure ACH. A contractor might take a card payment from a homeowner, a check from a property manager, and an ACH transfer from a general contractor in the same week. A medical practice might see insurer ACH payments alongside patient card copays. That mix is normal, and it all shows up in the bank statements funders review. What helps is making sure every source lands in the same business account so the full picture is visible. If you run multiple accounts, include statements for each. Deposits scattered across personal and business accounts make it harder to see what the business actually earns, which can lower the amount offered.
No. We look at business bank deposits, so ACH revenue from clients, insurers, or platforms is part of the picture.
Client concentration is one of the factors funders weigh, along with payment consistency and existing obligations.
Funders read payment cycles in context. A short note on your main payers and their timing helps.
Working capital and a business line of credit are common fits. Revenue-based financing is another option.
Decisions move fast, with funding in as little as 24 hours for qualified businesses.
Example uses for illustration only.
ACH-paid businesses can make their deposits easier to evaluate.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding