Apply today. Funding Approved as soon as tomorrow.*
Our promise is to find you the funding you need as quickly as possible to support your business or to ensure you get the best information possible to help your business qualify in the future.
About five minutes. No documents needed to start.
Five ways to fund your business.
One application. We submit your file for every option it fits.
Line of credit
Draw what you need, when you need it, up to your approved limit. Repay what you use, then draw again.
Business term loan
Funding for your business, approved as soon as next day.*
Consolidation funding
Already carrying advances or loans? Consolidation can help lower or simplify your payments.
Real estate funding
Loans secured by commercial property, fix-and-flip projects, or rental properties. Owner-occupied homes are not eligible.
Revenue-based advance
A set amount of future receivables purchased up front, repaid as a percentage of deposits. The fastest option available. We can provide your payment schedule and exact total cost of funding down to the penny.
Not sure which fits?
You don’t have to pick. Apply once and we’ll tell you which options your file fits.
Not every product is available in every state or for every business. We’ll tell you which ones your file fits.
The deal
Four promises that we work by.
Nobody can promise you an amount before a funder has looked at your file. So here’s what we can promise instead.
Confirmation the second you submit
An instant email confirming we have your application, what happens next, and when — plus a text, if you opted in.
You’ll know where you stand in one business day
An actual answer. Approved, declined, or the specific thing we still need from you.
We won’t chase you
No rep calling six times a week from numbers you don’t recognize. No pressure to take a deal you’ve already said no to. You may hear from us now and then afterward, and if you’re not interested one word ends it for good.
We’ll tell you when it’s a bad deal
If a third position is going to sink your cash flow, or the offer on the table costs more than the problem it solves, we’ll say so. You can decide anyway — but you’ll decide knowing.
How it works
Three steps, and you control all of them.
Apply — about five minutes
Basic business info and your last 4 months of business bank statements. Your confirmation email lands before you’ve closed the tab, with a secure link so you can send statements whenever you like
We review your file
Your file gets reviewed on our side before it goes anywhere. Then it goes to funders who actually fund your industry, your deposits, and are the best fit for your specific needs.
A straight answer, one business day
Offers side by side: total repayment, payment amount, frequency, every fee, and the funder’s name. Or a decline. Or the one document we still need for approval. Take the offer that works for you or take none; nobody here is going to chase you about it.
Why work with us
We’d rather lose the deal than waste your week.
Applying to funders one at a time means a separate application each time, a separate document pull, and weeks of waiting to find out you didn’t fit their box. We submit once and give you an honest answer fast.
If your file can’t be placed, you’ll hear that from us tomorrow rather than in three weeks. Then we’ll tell you what would need to change, and we’ll be happy to answer any questions you have.
Industries
We know what your cash cycle actually looks like.
A general contractor waiting 45 days on a progress payment and a restaurant heading into a slow February have different problems. Your file gets placed accordingly.
Not listed? It doesn’t mean no. Apply anyway and we will try everything possible to get you approved. We can’t list every industry out there but we’re happy to try and help.
Common questions
The things owners actually ask us.
What does “a straight answer in one business day” actually mean?
Within one business day of your application you’ll have one of three things: an offer or offers, a decline, or a specific list of what we still need from you.”
It does not mean you’ll be approved in a day — nobody can honestly promise that, because funders make approval decisions, not us. It means you won’t be left hanging while you’re deciding whether to keep looking elsewhere.
Business days are Monday through Friday. Apply on a Saturday and you’ll hear from us Monday. Apply Monday morning and you’ll hear by Tuesday at the latest — usually sooner.
How much are you going to call me?
Not the way you’re used to. No rep dialing you six times a week, no rotating numbers, no pressure to take a deal you’ve already turned down. If you say you’re not interested, we’re not going to argue with you about it.
We do stay in touch occasionally after that — most businesses that don’t need capital in March may need it in September, and we’d rather be the name you remember. It’s low-frequency and it’s easy to end: reply STOP to any text, click unsubscribe in any email, or just tell us and we’ll take you off entirely.
What does it cost me to apply?
Nothing. No application fee, no cost to find out where you stand.
If anyone in this industry asks you for an upfront fee to “secure” or “release” funding, stop and check who you’re dealing with. That’s not how legitimate funding works.
Are you a lender?
No. InstaCapital Funding is a business financing brokerage. We don’t underwrite, we don’t make credit decisions, and we don’t fund transactions. We present your application to third-party funding sources, and those funders decide the amount, the terms, and whether to approve at all.
What does it cost me to apply?
Nothing. There’s no application fee and no cost to see what you qualify for.
If anyone in this industry asks you for an upfront fee to “secure” or “release” funding, stop and check who you’re dealing with.
How long until the money actually lands?
Your answer usually comes within one business day. Funding is a separate clock, and it depends on the product and on how fast your documents come back. Revenue-based funding moves fastest of the options out there. Funding same or next day is possible in some cases.
The honest answer is that the biggest variable is you. The quicker we get paperwork the quicker funding is on the way. That’s why the secure link goes out with your confirmation instead of waiting for a phone call. Send them at 2am if that’s when you have a minute.
We’ll be able to give you a real timeline for your file once we’ve reviewed it.
What documents do you need?
To Start: A signed application and the last four months of business bank statements.
Application documents are collected through a secure e-signature platform.
To Fund: Usually a drivers license, voided check, and a bank verification.
Other documents to prove ownership or clear up other issues can be requested but they are not required on every deal.
I already have an advance. Can I still get funded?
Often, yes. It depends on how many positions you’re carrying, how the existing balances are performing, and which funders will look at the file. Please tell us on the application to speed things along. If your current payments are too heavy, ask us about consolidation.
What happens to my information?
We submit your application to third-party funding sources in order to obtain offers for you. That’s what it’s used for.
Our Privacy Policy covers what we collect, who receives it, how long we keep it, and how to reach us about it. Ask us at any point which funders received your file and we’ll tell you.
Five minutes now. A real answer by tomorrow.
No obligation, a quick answer, and a team here to help