Business funding advisory

Bridge loan rates, explained before you sign anything

You tell us about your business once, we give you a plain figure, and options from our partner network typically follow within a business day. Every request is read by a funding specialist rather than run through an algorithm.

Start your request → See how it works

24–48 hfrom statements to a decision
$10K–$2Mplaced through our partner network
No hard pullto see your options

What we fund

Four products. One honest conversation about which fits.

Merchant cash advance
A fixed amount of future receivables is purchased, and you repay it through a daily or weekly remittance. It's quick and adaptable, and you should understand it completely before you accept it.
Funding in 1–3 days
Revenue-based financing
Funding you pay back as a share of each month's revenue, so the payments rise and fall with your sales. Suits seasonal or fast-growing businesses.
Up to 12–18 months
Equipment financing
Because the equipment itself is the collateral, the financing tends to cost less and run longer than unsecured capital does.
Terms of 2–7 years
Business line of credit
Take funds as the need comes up and only pay on the amount you've actually drawn. It fits gaps that keep coming back, not projects you only do once.
Revolving

Read the guides

The desk

The path a request takes, and how long each step lasts.

01About 3 minutes
Tell us the number and the why
How much you need, by when, and a rough idea of the business's revenue. No credit pull at this step.
02Same day
Send three months of statements
Bank statements are enough to start. We review them as a funder would and let you know where you stand before anything goes out.
0324–48 hours
Options in writing, in plain numbers
For each option, your specialist goes over the amount, the total payback, the remittance, and the terms for paying early. You decide.
04Next business day
Sign and fund
Nothing changes between the agreement we reviewed with you and the one you sign. The money arrives by wire transfer, frequently on the same day.

How we work

Advice first. The product second.

One point of contact, not a queue
A single specialist reads your file, replies to you, and sees it through to funding.
Costs in writing before you sign
The full payback amount, the factor rate in dollars, how often payments are made, and the terms for paying early. We won't place a deal with a partner who refuses to commit the terms to writing.
The right product, or no product
In some cases the better fit is a credit line or equipment financing, and in others it's holding off for three months. We say so.
Published minimums
A business bank account, at least 6 months in operation, and roughly $15,000 a month in deposits. Ask us even if you're only close, since the numbers don't tell you everything.

Published minimums

What a partner needs to see

Time in business: 6+ months
Monthly deposits: $15,000+
Credit: 500+ FICO considered; statements weigh more
Location: A business based in the U.S. that has a business bank account
Industries: Most industries; ask about restricted ones

Close but not quite? Ask. Your deposits and the direction they're heading count for more than any one line item.

Check your fit

What we never do

Five things you will not find here.

Ask you to pay to apply, to view options, or to be told no
Pull a hard credit check just to show what you qualify for
Send a request to a partner who refuses to state the cost in writing
Refer to an advance as a loan, or give a rate without showing what it costs in dollars
Sell your information for unrelated purposes

Questions owners ask

Plain answers before you talk to anyone.

Is a merchant cash advance a loan?

No. With an MCA, a funder buys a fixed amount of your future receivables for less than its face value. You get a single lump sum up front, then pay a fixed amount each day or week (or a share of your card sales) until the full purchased amount has been delivered. Since an advance isn't a loan, it carries no interest rate; what it costs you is the gap between the amount you get and the amount you pay back, which is typically shown as a factor rate.

How fast can funding arrive?

Once your statements are in, most requests hear back within 24–48 hours. Once the agreement is signed, money usually arrives within one business day and occasionally on the same day.

What does it cost?

The answer turns on the product, your deposits, how long you've been in business, and what you already owe. Before you sign anything, we lay out every option as a total payback in dollars, along with the remittance schedule and the prepayment terms. Example figures shown here are for illustration and do not count as offers.

Will requesting funding affect my credit?

The initial request does not pull credit. The funding partner may run a soft or hard inquiry if you proceed with a specific offer, and we'll let you know which one before it happens.

Can I qualify with existing advances?

In many cases, yes, depending on how many positions you carry and how they're performing. Piling on advances without care is how businesses end up in trouble, so we check how much you're already remitting before we suggest anything.

What if the answer is no?

We explain the reason in plain language, along with what could change the outcome, which is usually more time, more deposits or paying down a position. No fee for a no.

Guides

Read this before you sign anything.

Plain answers to what owners ask us most often: what an advance costs in dollars, what happens if things go wrong, and which alternatives are worth knowing about.

business bridge loan