Where things stand
Why a handful of states sit outside
State lending and disclosure law is not uniform. A few states impose licensing or disclosure obligations that a given funder has not taken on, so those states come off the map entirely rather than being handled case by case.
It has nothing to do with the strength of your file. A business in Vermont with perfect statements is excluded for the same reason as one with thin statements.
How it works
1. Apply in minutes
A short application. No impact to your credit score to see what you qualify for.
2. Same-day decision
We review revenue, time in business and bank activity — not just a credit score.
3. Review your terms
You see the amount, the term and the total cost before you sign anything.
4. Funded next business day
Money in your account, typically the next business day after signing.
Common questions
What states do you fund?
Every state except Vermont, North Dakota and South Dakota.
Can a business in Vermont get funded?
Not on the products published here.
Are California businesses eligible?
Yes. Extra restrictions apply on the revenue-based tier.
Are New York businesses eligible?
Yes, with the same note as California.
Does it matter which state I live in?
No — what matters is where the business operates and is registered.