Startup & New Business Funding
Capital advanced against future sales for businesses still in their first year — three months of deposits is enough to work with.
- No upfront fees
- Soft credit pull
- All 50 states
- Funding range
- $2K – $250K
- Funding speed
- Same day to 24 hours
- Typical term
- 3 – 12 months
At a Glance
The short version
Capital advanced against your future sales, underwritten for businesses that are still new. Most funders want a full year of history and turn away anything younger or smaller — this program exists for exactly the businesses they send home.
Amounts
$2,000 – $250,000
Speed
Same day to 24 hours
Payback
Daily or weekly remittances
Term
3 – 12 months
Credit
Thin or bruised credit is workable — revenue matters more than the score
Requirements
3+ months in business · $5K+ monthly revenue · business bank account
The Process
How startup & new business funding works
Three months of deposits is the whole file
Most programs want a year in business and a seasoned credit profile. This one starts at three months. Send your three most recent business bank statements and underwriting works from what the account actually shows — not from how long the doors have been open.
An offer sized to where you are now
Early approvals start small on purpose: enough to move, sized to what your deposits can comfortably carry. The offer states the amount funded, the total payback, the remittance, and the schedule on one page, before you sign anything.
Fund now, grow into more later
Funds are wired to your business account, often the same or next business day, and fixed remittances begin on the following business cycle by ACH. A clean payback history is what unlocks a larger amount and better pricing the second time around.
Use Cases
Best used for
First inventory orders, early payroll, equipment deposits, and the first real push for growth.
- Businesses turned away elsewhere for being too new or too small
- First real inventory order ahead of a busy season
- Covering payroll before customer payments catch up
- A deposit on equipment or a build-out you can't pay for outright
- Getting a first marketing push running before it pays back
- Owners with thin or bruised credit but steady deposits
Compare
Is this right for you?
This is the entry point. It's the only program that will look at a business three months old, and it works from the lowest revenue floor we have — $5,000 a month. As you season past six months and your deposits grow, working capital runs the same structure over a longer term and generally prices better. If the money is going toward a titled machine or vehicle, equipment financing uses the asset itself to bring the cost down. If your need comes and goes rather than arriving all at once, a line of credit fits better.
FAQ
Startup & New Business Funding questions
I've only been open a few months — is that really enough?
If you have three months of deposits running through a business bank account and roughly $5,000 or more coming in each month, apply. That's the floor, and it's genuinely lower than what most funders will look at. Below three months there is no deposit history to underwrite, so pre-revenue businesses don't fit this program.
My credit isn't good. Does that end it?
Usually not. Approvals here key off how consistently money lands in your business account, so a thin file or past damage is workable in a way it isn't for a bank. Credit still affects sizing and pricing — it just isn't the first question.
How is the cost expressed?
Revenue-based advances are usually quoted as a factor — a multiple applied to the amount advanced — rather than an interest rate. Your offer states the amount funded, the total you'll repay, the remittance, and the schedule. Ask your advisor to walk through the total dollar cost before you sign; that's the number that matters.
Can I come back for more once I've paid this down?
That's the usual path. A completed or well-seasoned first advance plus a few more months of deposits is the strongest case for a larger second one — often at better pricing, and frequently as standard working capital rather than a startup program.
More questions? Read the full FAQ
Ready to see startup & new business funding offers?
One application, real offers to compare, and no fee unless your business is funded.