Latino owners can use revenue-based funding, merchant cash advances, business lines of credit, SBA programs and community lenders. Revenue-based options look mostly at deposits, so a strong account can matter more than a long credit file.
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Most Latino owners we hear from run cash businesses, service trades or restaurants, where deposits tell the real story better than a thin credit file does.
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.
Approved files are usually funded the next business day.
A human reads the file, not just an algorithm score.
A person reviews your revenue, time in business and bank activity, often within hours.
Advances, lines of credit and second-position options in one place.
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.
Revenue-based funding and merchant cash advances look at three to six months of business bank statements. If your sales go into one business account and the balance rarely dips below zero, that history is what gets reviewed first, ahead of a long credit report.
Lines of credit and term products lean harder on credit and time in business, while SBA-backed loans and community development lenders (CDFIs) add paperwork and weeks of waiting in exchange for lower cost. Many owners use fast funding for an immediate need and work on an SBA or CDFI file in parallel.
A practical order of operations: open or clean up the business bank account, collect three to six months of statements, check your credit report for errors, and then apply where your strongest number counts most. If deposits are strong and credit is still building, start with revenue-based funding; if credit is solid and the need can wait, compare an SBA or CDFI quote before signing anything faster.
Here is how a revenue-based offer might be priced for a family restaurant or contracting crew. The figures are illustrative, not a quote.
| Amount funded | $125,000 |
| Factor rate | 1.35 |
| Total payback (amount × factor) | $168,750 |
| Fees deducted at funding (5%) | $6,250 |
| Net cash you receive | $118,750 |
| Weekly payment over 44 weeks | $3,835 |
| Same total as daily debits (~220 business days) | $767/day |
Illustrative numbers only. Your offer depends on your file; always compare net cash and total payback in writing.
| Strong deposits, credit under 600 | Revenue-based funding or an advance |
| Two-plus years, credit 650+ | Line of credit or term product |
| Can wait 30–90 days | SBA 7(a) or microloan |
| Need bilingual help and lower cost | Community lender (CDFI) |
| Already carrying an advance | Second position or a buyout under $100K |
Good fit:
Probably not yet:
Some funders accept an ITIN when the business has an EIN and a business bank account with steady deposits. Tell us up front so the file goes to funders that work with ITIN holders.
No. The application is short, and bilingual help is available. What matters is clear bank statements and accurate business details.
SBA lenders generally want stronger credit and more paperwork than revenue-based funders, but microloans and CDFIs are built for owners who are still building a file.
They can coexist, but disclose every obligation. Stacking payments you cannot carry is the real risk, not the mix of sources.
With a complete file, same-day decisions are common and approved funding typically lands the next business day. SBA and CDFI programs usually take several weeks.
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