Small Business
Cash Flow
Loans

A cash flow loan provides unsecured working capital to help your business manage gaps between revenue and expenses. Unlike asset-backed financing, approval is based on your business's revenue performance, not collateral. It gives you immediate access to capital to cover payroll, rent, inventory, and other operating costs while you wait on receivables or navigate slower periods.

Your business must be operating for at least 6 months, generate $240,000 or more in annual revenue, maintain a business checking account, and have a FICO score of 570 or above. There should be no open bankruptcies and no conflicting existing financing. Both for-profit and specific non-profit business types may qualify.

After submitting your application and required documentation, you can receive an approval decision in as little as 4 hours. Funds are typically deposited within 24 hours of offer acceptance, so you can respond immediately to payroll deadlines, supplier invoices, or other time-sensitive obligations.

Yes. Most of our cash flow financing products, including Small Business Loans and Revenue Advances, are unsecured. Approval is based on your business's revenue performance, not on pledging equipment, real estate, receivables, or personal assets as security.

Cash flow loans have no restrictions on use. Common applications include covering payroll during slow periods, paying rent and utilities, purchasing inventory ahead of peak seasons, funding marketing campaigns, hiring new staff, or bridging the gap while waiting on outstanding invoices. You deploy the capital however your business needs it most.

A Revenue Advance provides upfront capital repaid as a percentage of your daily revenue, so payments flex up and down with your business performance. A traditional Small Business Loan or Line of Credit has fixed repayment terms. Both solve cash flow challenges, but the Revenue Advance is particularly well-suited for businesses with variable daily sales.

Yes. A Line of Credit is often the most efficient tool for recurring cash flow needs. You draw what you need, repay when receivables clear, and draw again. Unlike a lump-sum loan, you only pay for the capital you actually use, making it ideal for managing seasonal cycles, bridging invoice payment delays, or handling unpredictable operating expenses.

Traditional bank loans typically require extensive documentation, strong credit history, collateral, and long approval timelines, often weeks or months. Our cash flow financing is designed for speed and accessibility: minimal paperwork, decisions in hours, and approval based primarily on your business's revenue performance. We serve businesses that may not qualify for traditional bank financing or simply need capital faster than banks can provide.

Most programs look for at least six months in business, consistent monthly revenue, and three to six months of business bank statements. Credit is reviewed but is rarely the deciding factor on revenue-based products. Meeting these does not guarantee approval, and a lender reviews the file before any offer exists.

There is no fixed minimum. Cash flow lenders weigh deposit history and revenue consistency more heavily than credit, and credit tends to affect pricing more than the approval decision. Conventional bank and SBA products treat credit as much closer to a gate.

Decisions can come back in as little as 4 hours on revenue-based products when the bank statements are ready, and funding can follow as fast as 24 hours. A line of credit usually takes a day or two. Bank and SBA timelines run weeks.