Fast capital for businesses that can’t wait on a bank
From $10,000 to $5 million. Apply in five minutes, speak with a real funding advisor, and get money in your account in as little as 24 hours.
- No impact to credit
- No application fees
- Bad credit considered
24 hrs
Average time to funding
$780M+
Capital deployed
12,000+
Businesses funded
94%
Approval rate
4.9/5
Client rating
Funding Solutions
The right kind of capital for the job
We match your business with the funding structure that actually fits your cash flow — not whatever product happens to be on the shelf.
Working Capital
Cover payroll, inventory or slow seasons with $10K–$5M in flexible funding.
Learn moreMerchant Cash Advance
Repay as a small percentage of daily sales — payments flex with your revenue.
Learn moreEquipment Financing
Buy or upgrade equipment with terms up to 72 months and low monthly payments.
Learn moreBusiness Line of Credit
Draw what you need, when you need it. Only pay for the capital you use.
Learn moreSBA & Term Loans
Longer terms and lower rates for established businesses ready to expand.
Learn moreInvoice Factoring
Turn unpaid invoices into cash today instead of waiting 30, 60 or 90 days.
Learn moreHow It Works
Three steps. One business day.
Apply in 5 minutes
One short online form and three months of bank statements. No stacks of paperwork.
Get a real offer
A dedicated funding advisor reviews your file and calls you with clear, no-obligation terms.
Funds in 24 hours
Sign electronically and the capital lands in your business account — often the same day.
Why FinFunders
Direct funding. Clear decisions. Real support.
FinFunders works directly with business owners. We learn what your company needs, review the application in house and present clear terms designed around your revenue and cash flow.
One team for every funding option
We provide some funding products directly and match other requests with outside lenders, so you have one representative throughout the process.
Fast, in-house decisions
Our team reviews your application directly, which keeps communication clear and helps qualified businesses move from application to funding quickly.
Clear terms before you sign
We explain the approved amount, payment schedule, term and total payback in plain English so you can make an informed decision.
A long-term funding relationship
We're not looking for a one-and-done deal. Most growing businesses need capital again down the road — and when you do, we want to be the call you make, not the 50 calls you dodge.
Honesty over a quick close
If the terms don't make sense for your business, we tell you. If we don't have a strong offer, we say so instead of pushing a weak one — that's what earns the next call, and the referral.
Bad advice is the real risk — not capital
It's rarely the funding itself that hurts a business; it's being stacked into payments you can't handle by someone who wasn't straight with you. You run your business — we worry about the capital.
1-on-1
Dedicated funding advisor
Real People
A real advisor, not an algorithm
When you apply, you’re assigned a dedicated funding advisor whose first job is to understand your business — not pitch you a product. They compare real offers side by side, explain every term in plain English, and stay with you from first call to renewal.
- You deal directly with the team funding your business — no middlemen
- Clear, written terms explained line by line, with nothing hidden
- If the numbers don't work for your business, we tell you honestly
- One advisor for the life of your business, not a one-and-done deal
Client Reviews
Business owners who got funded
“Our walk-in freezer died two days before a catering weekend. FinFunders had the money in my account the next morning. My banker was still asking for a business plan.”
Miguel Serrano
Serrano's Kitchen · Austin, TX
“They explained the payments in plain English, no hidden fees, no surprises. I opened my second location six months earlier than I planned.”
Alicia Barnes
Luxe Hair Studio · Atlanta, GA
“I've been turned down by three banks for being 'seasonal.' FinFunders looked at my actual revenue and funded a new excavator in under 48 hours.”
Dave Whitmore
Whitmore Contracting · Columbus, OH
“My advisor still calls to check in a year later. That's not something you get from an online lender — it feels like a real partnership.”
Karen Lim
Petal & Co. Retail · Seattle, WA
“We needed inventory before a big hospital contract. FinFunders approved us in hours and the funds hit before our supplier's deadline. That kind of speed saved the deal.”
Isabela Morales
Morales Medical Supply · Miami, FL
“I was skeptical about online funding, but the advisor walked me through every document. Got terms I understood and fuel in the tanks within two days.”
Robert Jennings
Jennings Freight Lines · Chicago, IL
“Upgrading our imaging equipment was going to wait another year. FinFunders made it possible in a week, and the new revenue is already paying for itself.”
Sarah Mitchell
Mitchell Family Dental · Denver, CO
“My credit took a hit during the slow season. Banks wouldn't even look at me. FinFunders focused on my shop's revenue and got me the lift I needed.”
David Chen
Chen's Auto Care · Portland, OR
Industries we fund every day
Get Started
See how much your business qualifies for
Takes about five minutes. Checking your options never affects your personal credit score, and you’ll speak with the same advisor from first call to funding.
- Funding from $10,000 to $5,000,000
- 6+ months in business, $15K+ monthly revenue
- Approvals in hours, funding in as little as 24 hours
- No obligation, no application fee
Free funding quote
Our quick 3-step application takes about five minutes. Soft credit check only — your information is encrypted and never sold.
Get My Free QuoteNo obligation, no application fee, no impact to your credit.
Frequently asked questions
Is FinFunders a direct funder?
FinFunders provides some funding products directly and matches applicants with outside lenders for others. Your FinFunders representative explains who provides the capital and the full terms before you sign.
How fast can I actually get funded?
Most approved clients receive funds within 24 hours of signing. Larger or SBA-backed requests can take a few business days.
Will applying hurt my credit score?
No. We start with a soft pull to prequalify you. A hard inquiry only happens if you accept an offer.
What do I need to qualify?
Six or more months in business, at least $15,000 in monthly revenue and a business bank account. Credit scores from 525 are considered.
What does it cost to apply?
Nothing. There are no application fees and no obligation to accept any offer we present.
What does it cost to work with FinFunders?
There is no cost to apply and no obligation to accept an offer. Any funding costs and fees are disclosed in your offer before you sign.