Most AI tools are monthly subscriptions, so they fit cash flow; bigger projects (custom setup, hardware, training) are where working capital helps. Start with one process that has a measurable payoff.
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AI adoption in a small business is usually a series of small purchases plus one bigger push: data cleanup, integration and training. That bigger push is what owners sometimes finance.
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 human reads the file, not just an algorithm score.
Your file goes to funders that fit it, so offers can be compared.
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.
Start by listing the jobs AI would take over: answering common customer questions, drafting quotes, summarizing calls or predicting reorders. Price the tools, then add the one-time costs most owners forget, like moving customer data, connecting the tools to your POS or CRM, and a few weeks of reduced productivity while staff adjust.
If the one-time portion is large enough to dent payroll or inventory cash, short-term working capital can cover it while the monthly subscriptions come out of normal revenue. The goal is to keep the operating account positive through the transition, since negative days are what weaken future funding offers.
Phase it. Adopt one use case, measure the hours or sales it changes over 30 to 60 days, then expand. That approach keeps the funded amount small and gives you evidence before committing to the next step.
A practical first step is a 30-day pilot on one workflow, such as answering common customer questions or drafting quotes, with hours tracked before and after. If the pilot saves meaningful time, the implementation budget for a wider rollout becomes easy to justify; if it does not, the business has spent little.
This check shows whether a one-time AI setup cost, funded with working capital, earns back its payment inside the term.
| Funding for the project | $40,000 |
| Total payback (factor 1.20) | $48,000 |
| Term | ~44 weeks |
| Payment per week | $1,091 |
| Monthly payment the project must cover | $4,724 |
| Your estimate of added monthly profit | $8,000 |
| Verdict | Pays back within the term |
Illustrative. Replace the estimate with your own numbers before applying.
| Tool subscriptions | Monthly, usually paid from revenue |
| Data cleanup and migration | One-time, often outsourced |
| Integration with POS or CRM | One-time, may need a consultant |
| Staff training time | Hidden cost in lost hours |
| Hardware upgrades | One-time, sometimes financeable |
Good fit:
Probably not yet:
Pay small subscriptions from revenue. Consider funding only the one-time setup or hardware that would otherwise drain operating cash.
It depends on scope, but include setup, integration and training, not just the subscription price. Many owners underestimate the one-time portion.
Indirectly. If it improves response times, sales or bookkeeping, those gains show up in deposits and cleaner statements over time.
A narrow, measurable task such as answering frequent customer questions or automating invoice reminders.
Yes, working capital can pay for professional setup as long as the expected gains justify the cost within the term.
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