Truck totaled, customer defaulted or tax bill landed? Apply in 5 minutes. Qualified shops can be funded in as little as 24 hours.
Get Help FastEmergency Funding
We review your bank statements, not your tax returns, so a decision doesn't wait on paperwork while your shop is losing calls.
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 minutes to apply and about three months of bank statements. Qualified shops can be funded in as little as 24 hours.
FICO 500+ is considered, so a past credit issue doesn't end the review.
Your offer shows the full repayment amount before you accept, with no surprise costs after you sign.
The repayment schedule is laid out in the offer up front, so you can plan your recovery.
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.
You spend your days fixing other people's emergencies: burst pipes, dead furnaces, flooded basements. Then one hits your own shop. A van gets totaled, a big customer goes under owing you money, a tax bill arrives bigger than expected, or a lawsuit forces you to pay for counsel. Emergency funding gives you cash quickly so a bad week doesn't become a bad year.
If your emergency is a building repair at your own shop, also see funding for emergency roof or HVAC repairs.
The worst time to make a financial decision is during a crisis, so we keep the numbers plain. Compare the total repayment amount with what the emergency is actually costing you per day in lost calls or penalties. Request what you need, not the most you can get. The amount available depends mostly on your deposits and existing obligations, and FICO 500+ is considered.
For the right product, working capital fits most one-time emergencies. If you'd like a standing reserve for the next one, a business line of credit may make sense. Owners worried about credit can also read bad credit business loans for plumbing and HVAC.
Decisions move fast. Qualified businesses can be funded in as little as 24 hours after approval.
Yes. Many contractors use working capital to replace a van or tools while an insurance claim is processed.
The 5-minute application and about three months of business bank statements. No tax returns.
Funders look at the overall deposit pattern. One rough month is weighed in the context of your history, not on its own.
Yes. Sole proprietors can apply. We look at the business bank account and deposit history the same way we would for a larger shop.
It depends on what the emergency costs you each day. If a missing van means turning away several calls a day, waiting can cost more than the funding. Compare the full repayment amount in your offer with those lost jobs before you decide.
Example uses for illustration only.
Even in an emergency, a few steps lead to a better offer.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding