Won't affect your credit score Funds as fast as 24 hours

When your business needs capital now, we deliver.

Cash flow gaps don't wait. Neither should you. From $10,000 to $5 million — see your options in 60 seconds with no impact to your credit score.

$2.8B+
funded to US businesses
48K+
businesses funded
★★★★★
4.8 · 3,100+ reviews
See your funding options
Takes 60 seconds  ·  No credit check  ·  No commitment
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Decision in 2 hoursFast application review
50+ lending partnersMore options, better rates
A+ BBB RatedAccredited business
No credit pullChecking won't hurt your score
Real results

Business owners like you,
funded fast.

Specific industries. Real dollar amounts. Actual timelines.

Home services
$185,000
Working capital loan · 18 months

"We had three big contracts lined up and no cash to buy materials. USFundly had money in our account before the week was out."

MR
Marcus R.
HVAC contractor · Texas
3 days
to funding
Med spa
$92,500
Revenue advance · 12 months

"I needed new laser equipment before the summer rush. The application took four minutes. Approved same day — I couldn't believe it."

DK
Dr. Dana K.
Aesthetic clinic · Florida
Same day
approved
Restaurant
$47,000
Line of credit · revolving

"Payroll was short by $40K. I applied at 9am and had the funds before I sat down for lunch. I've since renewed twice."

TW
Tony W.
Restaurant group · Chicago
4 hours
to funding
4.8/ 5
★★★★★
3,147 verified reviews · Trustpilot
★★★★★
"Fastest I've ever gotten business funding. The whole process felt designed by someone who actually understands small business."
James P. · 2 days ago
★★★★★
"No runaround, no confusing terms. My advisor walked me through every option and helped me pick what actually made sense."
Sofia M. · 5 days ago
★★★★★
"I was skeptical — checked my options with no credit hit and got an offer better than my bank. Funded in 48 hours."
Robert C. · 1 week ago
The process

From application to
funded in 4 steps.

Most applicants are funded within 24 hours of approval.

1
Tell us about your business
4 simple questions. No paperwork yet. No credit pull. See which products you qualify for instantly.
60 seconds
2
Review your offers
We match you with the best options from 50+ lending partners. Compare rates, terms, and repayment side by side.
2–4 hours
3
Choose and sign
Pick the offer that fits. Your advisor walks you through every term. Sign electronically — no branch visit required.
Under 30 min
4
Funds in your account
Capital deposited directly to your business bank account. Most funded same day or next business day.
Same / next day
Do you qualify?

Most businesses
are a great fit.

You don't need perfect credit or years of history. Consistent revenue matters most.

  • 6+ months in businessEstablished operations with predictable revenue flow
  • $10,000+ monthly revenueConsistent income matters far more than big one-off numbers
  • Credit score of 500 or aboveWe work with a wide range of credit profiles — not just perfect scores
  • US-based business bank accountWhere we'll deposit your funds on approval

Find out in
60 seconds

Answer a few quick questions and see exactly what you qualify for — with zero impact to your credit score.

No credit check  ·  No commitment  ·  Free
Funding options

The right capital for
every business need.

We match you with the product that fits your situation — not the one that's easiest to sell.

Most popular
Working capital loan
$10K – $500K

Fast lump-sum funding for anything — payroll, inventory, marketing, expansion. Fixed repayment, no surprises.

  • Terms 3–24 months
  • Funded as fast as 24 hours
  • Credit score 500+
Apply now
Business line of credit
$6K – $250K

Draw only what you need, when you need it. Interest applies only to what you use. Your always-ready safety net.

  • Revolving access anytime
  • Pay only on what you draw
  • Credit score 600+
Apply now
Revenue advance
$5K – $1.5M

Trade a portion of future revenue for capital today. Repayment flexes with your cash flow — slower months mean smaller payments.

  • Payments tied to revenue
  • No fixed monthly payment
  • Credit score 500+
Apply now
Equipment financing
$5K – $150K

The equipment is the collateral. Finance anything from delivery vehicles to medical devices without tying up working capital.

  • Equipment as collateral
  • Potential Section 179 savings
  • Terms up to 60 months
Apply now
SBA loan
$50K – $5M

Government-backed loans with the lowest rates available for small businesses. Longer terms, larger amounts for those who qualify.

  • Lowest rates available
  • Terms up to 25 years
  • Credit score 650+
Apply now
Invoice factoring
$10K – $5M

Turn unpaid invoices into immediate cash. Stop waiting 30–90 days for clients to pay. Get up to 95% of invoice value upfront.

  • Up to 95% of invoice value
  • No debt on your balance sheet
  • B2B businesses only
Apply now
FAQ

Questions answered plainly.

No jargon. No fine print buried in paragraph 14.

Still have questions?

Our advisors are available Mon–Fri, 8am–7pm ET.

Will checking my eligibility hurt my credit score?
No — not even a little. Our pre-qualification uses a soft credit inquiry only, which has zero impact on your score. A hard pull only happens if you choose to proceed with a specific offer and give explicit consent. You should be able to explore your options freely, without penalty for looking.
How fast can I actually get funded?
Most applicants receive an approval decision within 2–4 hours of submitting documentation. Once approved and signed, funds are deposited to your business bank account same day or next business day in most cases. The full timeline from first click to funded is typically under 24 hours for working capital loans and revenue advances.
My credit isn't great. Can I still qualify?
Yes. We work with business owners across a wide range of credit profiles. Several products — including working capital loans and revenue advances — are accessible with scores as low as 500. Your revenue consistency and business health matter more to most lenders than your personal credit score. Check your eligibility to see which options are available to you.
What documents will I need to apply?
For most products, you'll need: 4 months of business bank statements, a government-issued photo ID, and basic business information (legal name, EIN, address). Some products — like SBA loans — require additional documentation. We'll tell you exactly what's needed before you start, so there are no surprises mid-application.
Is USFundly a lender, or a marketplace?
We're a funding marketplace — we match you with the best available offer from our network of 50+ vetted lending partners rather than locking you into a single product. This means more options, more competitive rates, and a better chance of finding a fit regardless of your situation.
Are there prepayment penalties?
This varies by product and lender, and we'll always make it explicit before you sign. Many of our lending partners offer prepayment discounts — meaning you pay less if you repay early. Your advisor will walk you through the specific terms before any commitment is made.
Ready to move forward?

Your business can't wait.
Neither should you.

Join 48,000+ US business owners who got the capital they needed — on their terms, on their timeline. It starts with 60 seconds.

Talk to an advisor
No credit check 60 seconds 256-bit encrypted Zero commitment