How do I get a business line of credit?

Route all revenue through a dedicated business account, keep negative days at zero, hold personal revolving utilization under 30 percent, and apply once with a complete file rather than repeatedly across marketplaces. Revenue-based lines generally require six months in business and consistent deposits; unsecured lines for newer businesses lean on the guarantor's personal credit instead.

Can I get business funding without tax returns?

Yes. Bank-statement-only and low-doc programs underwrite the last three to twelve months of deposits rather than filed returns. Underwriters read deposit consistency, deposit count, negative days, average daily balance and existing debt service.

How much can I borrow on bank statements alone?

Most low-doc programs size at 75 to 150 percent of one month of true revenue. A business depositing $60,000 monthly typically sees $50,000 to $90,000, moving higher with two-plus years in business and clean statements.

Is same-day business funding with no collateral real?

Revenue-based advances and short-term loans genuinely fund in 4 to 24 hours, and a draw on an existing line is same-day. SBA loans, bank term loans and real-estate-backed facilities cannot close that fast regardless of what an ad says.

Can an LLC with only an EIN get funded?

Yes, when the guarantor's personal credit is strong. EIN-only business credit programs fund on personal credit strength and entity hygiene rather than revenue history. Revenue-based products require deposits.

Will applying hurt my credit?

Our consultation uses a soft review only. Once you choose a specific application, there may be a hard inquiry, and we tell you before it happens. Submitting to fifty lenders at once is exactly what damages your pricing — we submit to the right few.

Business funding

Working capital for owners the bank keeps stalling.

Unsecured business lines of credit, working capital loans, revenue-based funding and same-day options with no collateral. Underwritten on bank statements when returns understate your business, and on your credit strength when the entity is still young.

Call (346) 861-4255 Book a consultation

Range: $25k–$2M
Fastest funding: 24 hrs
Min. time in business: 6 mo
Docs required: Statements

Two business partners reviewing a tablet in a bright workshop

You are not short on options. You are short on the right one.

The bank takes six weeks to say no

Two years of returns, a full financial package, and a decision that arrives after the opportunity closed. Meanwhile the inventory buy, the equipment, or the contract is gone.

Marketplaces sell your file

One form generates forty calls, a stack of inquiries and offers priced for the worst-fit lender in the pile. Volume is not shopping — targeting is.

Your returns understate the business

You optimized for tax, and now the returns say you earn less than you do. Bank-statement underwriting reads the actual deposits instead.

Programs

Programs for small business owners with real revenue.

Unsecured business line of credit

Revolving capital you draw against as needed, paying interest only on the outstanding balance. The most useful facility a growing business can hold.

$25,000–$500,000 typical
Draw, repay, redraw — no reapplication
Bank-statement or credit-based underwriting
Funding in 3–21 days depending on structure

Working capital term loan

A fixed amount with a fixed schedule, best for a defined use with a defined return: an inventory buy, a build-out, a hire, a marketing push.

$25,000–$1,000,000
12–60 month amortizing terms
Weekly or monthly payments
No collateral required on most tiers

Revenue-based funding

Business loans based on revenue, sized from your deposits and repaid as a fixed periodic amount. The fastest capital available with no collateral.

Same-day to 72-hour funding
Bank statements only — no tax returns
Available from 500+ personal credit
3–18 month terms

Equipment & invoice financing

Asset-backed capital that prices below unsecured options because the collateral carries the risk. Invoice factoring underwrites your customer, not you.

Equipment secured by the asset itself
Factoring advances 80–90% of invoice value
Builds business credit history
Works well below 600 personal credit

Qualification

What we need to give you a real answer

Six or more months in business under the current entity
$15,000+ in average monthly deposits for revenue-based programs
Three or fewer negative days per month
A dedicated business checking account carrying all revenue
No undisclosed merchant cash advance positions
Six months of business bank statements as downloaded PDFs

No hard credit pullConsultations use a soft review only.
No upfront feesWe're paid by lenders on funded deals.
One advisorNot a call center or a lead marketplace.
Your data stays hereWe never sell or resell your information.

Request a funding readiness consultation

A few questions. No documents, no application, no hard credit pull.

Full name

Business name (optional)

Mobile phone

Email

Average monthly revenue

Personal credit range

Which describes you best?

By submitting, you also agree we may call or email you about your funding request. Mobile opt-in data and consent are never shared with third parties or affiliates for marketing.

Or book a time instantly

Your information is used only to prepare your consultation. We never sell your data, and this request does not affect your credit score.

Fast business funding without wrecking your file

Owners search for fast business funding for small business owners, small business loans with fast approval, business loans based on revenue and no doc business line of credit — and then apply everywhere at once. That is the single most expensive mistake in this market. Every submission leaves an inquiry, and the offers you receive are priced against the file the lenders can see, including how shopped it looks.

A better process: fix the two or three things in your statements that move pricing (negative days, average daily balance, deposit consolidation), assemble one clean package, and submit to the small set of lenders that actively fund your industry at your size. The spread between the best and worst offer on the same file is routinely forty percent.

If you have a two-year banking relationship, clean returns and strong coverage, go to your bank first and we will tell you so. We earn our keep on the harder files: thin history, low-doc business loans for startups, business loans for LLC with EIN only, and owners who need several products sequenced correctly rather than one product taken hastily.

How it works

Three steps. No application until it's worth filing.

Most funding sites push you into a form and sell the lead. We start with a conversation, because the right product depends on facts a form can't capture.

01

Funding readiness consultation

15–20 minutes, by phone

An advisor reviews your revenue, credit position, existing debt and timeline. No documents, no application, no hard credit pull. You leave the call knowing which products you actually qualify for today.

02

Your funding strategy

Same or next business day

We build a written plan: the specific programs to pursue, in what order, the realistic amount and cost of each, and what to fix first if a stronger approval is 30 days away.

03

Placement and close

24 hours to 90 days by product

We package your file, submit to the right lenders rather than every lender, negotiate terms, and stay on the file through funding. You get one point of contact, not a call center.

Questions

Straight answers before you call

: Route all revenue through a dedicated business account, keep negative days at zero, hold personal revolving utilization under 30 percent, and apply once with a complete file rather than repeatedly across marketplaces. Revenue-based lines generally require six months in business and consistent deposits; unsecured lines for newer businesses lean on the guarantor's personal credit instead.
: Yes. Bank-statement-only and low-doc programs underwrite the last three to twelve months of deposits rather than filed returns. Underwriters read deposit consistency, deposit count, negative days, average daily balance and existing debt service.
: Most low-doc programs size at 75 to 150 percent of one month of true revenue. A business depositing $60,000 monthly typically sees $50,000 to $90,000, moving higher with two-plus years in business and clean statements.
: Revenue-based advances and short-term loans genuinely fund in 4 to 24 hours, and a draw on an existing line is same-day. SBA loans, bank term loans and real-estate-backed facilities cannot close that fast regardless of what an ad says.
: Yes, when the guarantor's personal credit is strong. EIN-only business credit programs fund on personal credit strength and entity hygiene rather than revenue history. Revenue-based products require deposits.
: Our consultation uses a soft review only. Once you choose a specific application, there may be a hard inquiry, and we tell you before it happens. Submitting to fifty lenders at once is exactly what damages your pricing — we submit to the right few.

Know what you qualify for before you apply anywhere.

One phone call, no documents, no credit impact. You will leave with a realistic range, a realistic cost, and the order to pursue it in.

Call (346) 861-4255 Book a funding consultation

Free consultation · No hard credit pull · Mon–Fri 9am–8pm CST · Sat 10am–2pm CST