Get $10,000 – $500,000 for your business in as fast as 24 hours.
Banks take 30–90 days and say no. We look at your revenue — not just your credit score. Apply in 2 minutes, get a real offer, and fund without collateral.
- No collateral required
- Bad credit? You can still qualify
- Approvals in as little as 2 hours
- No hard credit pull to check options
- Use funds for anything business-related
- Early payoff discounts available
Secure & confidential — checking options won’t affect your credit. No obligation to accept any offer.
How much can you qualify for?
Move the slider — see your estimated range instantly. No obligation.
Takes ~2 minutes • 3 months of bank statements is all we need to start
Funding Range
Fastest Funding Time*
Minimum Time in Business
Credit Scores Considered
Your revenue is your creditworthiness.
Traditional lenders judge you on collateral, years of tax returns, and a perfect credit score. A merchant cash advance is based on the money your business already makes — so growing businesses get funded, fast.
Opportunity won’t wait 90 days
Equipment breaks. A big order lands. A competitor’s space opens up. When timing is money, waiting on a bank committee costs more than funding does.
Seasonal? Newer? Lower credit?
If you’ve been in business 6+ months and process at least $10K/month in revenue, you may qualify — even with credit challenges or uneven months.
Use it your way
Payroll, inventory, marketing, renovations, taxes, expansion, or bridging a slow month. No restrictions, no receipts to submit, no lender telling you how to run your business.
Estimate your funding in 10 seconds
This is an estimate only. Your exact offer depends on revenue consistency, time in business, and industry. Checking takes 2 minutes and won’t affect your credit.
Most businesses qualify for roughly 1.0×–1.5× their average monthly revenue, subject to underwriting.
From application to money in your account — in 4 steps
Apply in 2 minutes
Fill out the short form below or call us. Tell us about your business and how much you need. No hard credit pull.
Send 3 statements
Upload or email your last 3 months of business bank statements. That’s it to get a real, underwritten offer.
Review your offer
A dedicated funding advisor walks you through amount, cost, and daily/weekly payment — in plain English, no surprises.
Get funded fast
Sign electronically and receive funds by wire — often the same or next business day after approval.*
One application. Multiple ways to get funded.
We match you to the product that fits your revenue and goals — not the one that pays us the most.
$10K – $500K
An advance against your future sales. Remit a small % of daily revenue or a fixed daily/weekly amount.
- Fund in 24–48 hours*
- Credit from 500+ considered
- 6+ months in business
- No collateral, no restrictions
$25K – $750K
Payments flex with your sales — lower in slow weeks, higher when you’re busy. Built for seasonal businesses.
- Payments track your revenue
- Terms up to 18 months
- $25K+/mo revenue preferred
- Early payoff discounts
$10K – $250K
Draw what you need, when you need it. Only remit on what you use. Perfect for ongoing working capital.
- Revolving access to capital
- Draw in minutes once approved
- Renewals as you repay
- Great for repeat needs
Also available through our partner network: equipment financing, SBA guidance, and term products for qualified businesses. Ask your advisor.
If you can check these boxes, you’re likely in.
No perfect credit. No business plan. No collateral appraisal. If your business is making money, we want to talk.
Check in 2 Minutes →- In business for at least 6 months
- $10,000+ in monthly business revenue
- Business bank account in the U.S.
- Credit score 500+ (all profiles reviewed)
- Not in active bankruptcy
-
Collateral or home as security— not required -
Tax returns & financial statements to pre-qualify— not required
We fund the businesses banks overlook
If your industry is cash-flow strong but “too risky” for a traditional lender, you’re exactly who we built this for.
The honest comparison
| Quick Funds Capital | Traditional Bank Loan | Typical Online Lender | |
|---|---|---|---|
| Time to fund | 24–48 hours* | 30–90 days | 3–14 days |
| Approval basis | Business revenue | Credit + collateral + tax returns | Mostly credit score |
| Minimum credit | 500+ considered | 680–720+ typically | 620–660+ typically |
| Collateral | None required | Usually required | Sometimes required |
| Paperwork to start | Application + 3 bank statements | Extensive financial package | Moderate |
| Use of funds | Unrestricted | Often restricted | Varies |
| Human advisor | Dedicated, U.S.-based | Branch / committee | Mostly automated |
Fast working capital for American small businesses, wherever you are
Whether you searched for a merchant cash advance near me, bad credit business funding, same-day working capital, or an alternative to a bank loan — the process here is the same in every state: apply online in 2 minutes, send 3 bank statements, and get a revenue-based decision in hours.
Merchant cash advance (MCA) funding nationwide. A merchant cash advance gives your business a lump sum today in exchange for a purchased portion of future sales. Because underwriting is based on your monthly revenue and bank activity — not just a credit score — restaurants, retailers, contractors, trucking companies, medical and dental practices, salons, auto repair shops, e-commerce stores, gyms, hotels and landscapers across the USA can qualify even after a bank decline.
Bad credit business funding. Credit scores from 500 are considered. A lower score does not automatically disqualify you if your business is generating consistent revenue of $10,000 or more per month and has been operating for at least 6 months. Checking your options uses a soft inquiry only, so it will not affect your credit score.
Revenue-based funding & business lines of credit. In addition to a cash advance, qualified businesses can access revenue-based funding up to $750,000 with payments that flex with sales, and revolving business lines of credit up to $250,000 for payroll, inventory, equipment, marketing, renovations, expansion, tax payments and seasonal gaps.
Why owners choose funding over a traditional loan. Banks typically take 30–90 days, require collateral, tax returns and scores of 680–720+. Quick Funds Capital requires no collateral to apply, no tax returns to pre-qualify, and no restrictions on how you use the funds — with funding in 24–48 hours for approved applications.* Compare total cost, factor rate, payment amount and estimated term in writing before you sign anything.
Real needs. Real timelines.
A walk-in cooler dies on a Friday. A bank timeline is measured in weeks. Fast working capital is what keeps the doors open and the weekend service running.
After a rough year, credit alone does not tell the story. Revenue-based review lets a busy shop stock up before peak season instead of missing it.
Total cost, payment amount, and estimated term shown up front — before signing. That transparency is the point: no surprises after you commit.
A second truck and another driver turn turned-down jobs into booked work. Payments aligned with deposits keep growth from starving cash flow.
No collateral should not mean no options. Working capital can renovate a space and add capacity without pledging personal assets.
“When you need a straight answer fast, having an advisor who actually answers the phone matters — that is the service standard this site is built around.”
Apply now — get your funding options
3 short steps. Most owners finish in under 2 minutes.
Your information is encrypted and never sold. No spam, no robocalls — a real advisor reviews every request.
Frequently asked questions
Business funding in all 50 states
Quick Funds Capital works with U.S. businesses in every state by phone and online — no branch visit required. Find your state below: the same $10K–$500K merchant cash advance, revenue-based funding and line of credit programs, requirements, and 24–48 hour funding timeline* apply nationwide.
Northeast
- Connecticut — business funding in Hartford, New Haven, Stamford
- Maine — Portland, Bangor, Lewiston
- Massachusetts — Boston, Worcester, Springfield
- New Hampshire — Manchester, Nashua, Portsmouth
- New Jersey — Newark, Jersey City, Trenton
- New York — New York City, Buffalo, Rochester, Albany
- Pennsylvania — Philadelphia, Pittsburgh, Harrisburg
- Rhode Island — Providence, Warwick, Cranston
- Vermont — Burlington, Rutland, Montpelier
Southeast & South
- Alabama — Birmingham, Huntsville, Mobile
- Arkansas — Little Rock, Fort Smith, Fayetteville
- Delaware — Wilmington, Dover, Newark
- Florida — Miami, Orlando, Tampa, Jacksonville
- Georgia — Atlanta, Savannah, Augusta
- Kentucky — Louisville, Lexington, Bowling Green
- Louisiana — New Orleans, Baton Rouge, Shreveport
- Maryland — Baltimore, Annapolis, Frederick
- Mississippi — Jackson, Gulfport, Hattiesburg
- North Carolina — Charlotte, Raleigh, Durham
- South Carolina — Charleston, Columbia, Greenville
- Tennessee — Nashville, Memphis, Knoxville
- Virginia — Richmond, Virginia Beach, Norfolk
- West Virginia — Charleston, Huntington, Morgantown
- District of Columbia — Washington, DC
Midwest & Central
- Illinois — Chicago, Springfield, Rockford
- Indiana — Indianapolis, Fort Wayne, Evansville
- Iowa — Des Moines, Cedar Rapids, Davenport
- Kansas — Wichita, Kansas City, Topeka
- Michigan — Detroit, Grand Rapids, Ann Arbor
- Minnesota — Minneapolis, St. Paul, Rochester
- Missouri — St. Louis, Kansas City, Springfield
- Nebraska — Omaha, Lincoln, Grand Island
- North Dakota — Fargo, Bismarck, Grand Forks
- Ohio — Columbus, Cleveland, Cincinnati
- Oklahoma — Oklahoma City, Tulsa, Norman
- South Dakota — Sioux Falls, Rapid City, Aberdeen
- Texas — Houston, Dallas, Austin, San Antonio
- Wisconsin — Milwaukee, Madison, Green Bay
West & Pacific
- Alaska — Anchorage, Fairbanks, Juneau
- Arizona — Phoenix, Tucson, Mesa
- California — Los Angeles, San Diego, San Jose, San Francisco
- Colorado — Denver, Colorado Springs, Boulder
- Hawaii — Honolulu, Hilo, Kailua
- Idaho — Boise, Meridian, Idaho Falls
- Montana — Billings, Missoula, Great Falls
- Nevada — Las Vegas, Reno, Henderson
- New Mexico — Albuquerque, Santa Fe, Las Cruces
- Oregon — Portland, Eugene, Salem
- Utah — Salt Lake City, Provo, Ogden
- Washington — Seattle, Spokane, Tacoma
- Wyoming — Cheyenne, Casper, Laramie
Popular funding searches we serve
Don’t see your city? If your business banks in the U.S., does $10K+/month in revenue, and has been open 6+ months, you can still apply — service is nationwide by phone and online. Email customerservice@quickfundscapital.com or start your application.
Real people. Real answers. No phone trees.
Call, email, or apply online — whichever is easiest. If we can’t help, we’ll tell you why and what would need to change.
Send your 3 bank statements here to jump-start underwriting.
Sat: 9:00am – 5:00pm ET • Sun: Closed
Applications and email go to customerservice@quickfundscapital.com — call (754) 280-2842 to reach a funding advisor.
Your next big move shouldn’t wait on a bank.
Check your options in 2 minutes. If you qualify, you could be funded tomorrow.* No collateral, no hard credit pull, no obligation.
No collateral • No hard credit pull • No obligation