Restaurant
From One Location to Two
“With $120k in sales and fair credit, they secured funding to open their new location in weeks, not months.”
$250,000 funded
Working Capital for
Growing Businesses
Funding that scales with your business. From $5K to $1.5M across 250+ industries, with decisions in 24 hours and funds in your account within 7 days.
- $5,000 to $1,500,000 in funding
- 575+ credit score, just 1 month in business required
- Decisions within 24 hours, funds in under a week
- Dedicated specialist assigned to your account
Takes about 2 minutes. No obligation to accept an offer.
SSL Secure
Data Encrypted
2,800+Businesses Funded
$160M+Deployed
$5K to $1.5MFunding Range
Three Steps to Funded
Our process is designed for efficiency so you can focus on running your business, not chasing paperwork
Apply In Minutes
Complete our streamlined 10-minute application. We focus on your business performance, not just credit scores.
Get Matched
Your dedicated funding specialist analyzes your needs and matches you with optimal terms from our lending partners. Transparent pricing, always.
Receive Funds
Most approvals within 24 hours. Funds transferred to your business account in 3-7 business days.
Funding Businesses Across America
We serve 250+ industries, from restaurants to retail, healthcare to construction, and everything in between.
Construction & Trades
Restaurants & Food
Retail
E-Commerce
Healthcare
Professional Services
Transportation
Manufacturing
Hospitality
Home Services
Automotive
Personal Services
View All 250+ Industries
Don't see your industry? Contact us. We likely fund it.
Built for Business Owners Who Need More Than Banks Offer
Whether you're opening your first location or your fifteenth, need $5K or $1.5M, we provide flexible funding solutions that banks can't, or won't, match.
| Feature | Platinum Funding | Big Banks | Merchant Cash Advance |
|---|---|---|---|
| Time to decision | Same day | Weeks or longer | 1 to 3 days |
| Time to funding | Under 7 days | 30 to 90 days | 1 to 3 days |
| Min. credit score | 575+ considered | 680+ | Varies widely |
| Early payoff penalty | None on many offers | Often | Often |
| Dedicated Support Team | Always | Rarely | Sometimes |
Minimum Criteria And Benefits
To qualify, you usually need:
- 575+ Equifax credit score (some exceptions)
- At least 1 month in business
- Min. $17,000/month in sales ($200K/yr)
- Valid business checking account
Don't meet every requirement? Contact our support team. We may still be able to help.
What you can access:
- Funding up to $1,500,000
- Terms up to 36 months
- Consolidate high-cost MCAs
- Early payoff options (no penalty often)
Real Results.
See how we've helped businesses like yours.
Construction
Escaped the MCA Trap
“We helped refinance expensive daily-debit advances into a manageable term loan, saving their cash flow.”
Payments cut by 60%
E-commerce
Scaled Inventory Fast
“Secured a line to buy inventory in bulk, negotiating better pricing and increasing profit margins.”
$150,000 inventory line
What Our Clients Say
Trusted by business owners across the country.
“Outstanding experience! Needed a lump sum of $ for a business loan for expansion. Approved in 48 hours with a competitive APR. Luke was a pro, explained everything clearly, no hidden fees. Funds hit my account same day. Highly recommend for fast capital lending!”
Alfredo Sanchez
“I worked with Luke and had a tremendous experience! He helped me through every step of the process. We ran into multiple road blocks along the way, but each time Luke was able to come up with a solution. I couldn't recommend working with them any higher!”
Cody Peterson
“Working with them has been an amazing experience. Luke took the time to really understand my business and the challenges I was facing. He worked through every kink with patience and persistence, making the entire process clear and stress-free. This wasn't just about securing funding. Luke helped strengthen my business.”
Veronica Foster
“They were able to help one of my clients who was a business owner of a local pool cleaning company. His personal credit and bank did not provide good options. Because of Luke's help he was able to get approved for business credit card stacking which he was able to use to invest in his business.”
Maksim Shapovalov
“They provide the absolute highest quality of support and the owner Luke is professional, patient, and kind hearted individual as I genuinely feel he is on the lookout to truly support my financial needs. It has been a tremendous pleasure working with them and I look forward to a long partnership.”
Rodrigo A Henriquez
“Luke is a rock star. He helped save my business from closing down. Looking forward to doing more business with them as we grow our band nationwide. I would give 10 stars not 5. Thanks!!!!”
Tony Sharpe
“I've worked with Zach for a while now; he has been awesome to work with, always goes above and beyond the call, and works within the parameters I set to come up with the best solution. He is with his clients from the beginning to the end of the process, and is always there.”
Marc Schnoll
“Zach was very helpful. I had multiple MCAs, and he was a great help in getting me financing that would help me to get out of that situation. I honestly may not be in business without his help. Honest and very helpful, great guy to work with. Thanks Zach.”
Larry Green
Frequently Asked Questions
We start with a soft review of your information to pre-qualify you and present options. A hard credit pull may only be required if you decide to move forward and accept a specific offer. Checking your options will not impact your credit score.
Most clients receive approval decisions within 24 hours of submitting a complete application. Once approved, funds are typically transferred to your business account within 3-7 business days. Some programs can fund even faster depending on your specific situation.
Our core programs start at a 575 credit score, but we evaluate your entire business profile, not just your credit. If you're close to 575 or have strong business performance in other areas, we encourage you to apply. We can assess your specific situation and guide you on the best path forward, or recommend steps to improve your eligibility.
MCAs typically take a percentage of your daily or weekly sales, which can strain cash flow during slow periods. We focus on structured term loans and lines of credit with fixed payment schedules, giving you more predictability and typically lower overall costs. Additionally, many of our programs offer no early payoff penalties, unlike most MCAs.
You can use the funds for virtually any legitimate business purpose: inventory purchases, equipment, hiring, marketing, expansion, refinancing expensive debt, seasonal cash flow gaps, or general working capital. We don't restrict how you deploy the capital to grow your business.
Rates and fees vary based on your business performance, credit profile, time in business, and the specific program you qualify for. We work with multiple lending partners to find you competitive terms. Your dedicated funding specialist will provide transparent pricing and a complete breakdown of all costs before you make any commitment. There are no hidden fees.
Have more questions?
View All FAQsGet The Funding Your Business Needs
Stop waiting on banks. Get a simple process, dedicated support, and funding options that respect your cash flow.