FynCap
Working capital · Most popular · Fastest

Funding based on what your business brings in, not your credit score.

Funding offers up to $2,000,000. A decision within hours, funds within 48 hours of approval, and no upfront fees.

One specialist, from your first call to the day you are funded
Plain-English terms: amount, total payback and term in writing before you sign
Businesses funded nationwide, in almost every industry

Get a call back.

Request a call and a specialist takes your details on the phone, or apply online in two minutes. No upfront fees, no obligation.

Calls and texts may use automated technology. Message and data rates may apply. Reply STOP to opt out. Privacy policy
or apply online in 2 minutes, any time. We call Mon–Fri 9am–6pm Eastern.
Within hours
To a decision, once we have your statements
Within 48 hours
To fund, after approval
Up to $2M
Funding amounts
No upfront fees
And no obligation
Funded
businesses
Names withheld
$250,000ConstructionNY
$45,000RestaurantFL
$100,000RestaurantKS
$200,000Management companyFL
$40,000Medical spaCA

Examples, names withheld. Every offer depends on the business and is subject to approval.

What we offer

The advance first. Five more ways when they fit.

If an advance isn't the right fit, your specialist will say so and suggest one of these instead.

Working capital · Most popular · Fastest

The funding your business needs next, without the wait.

A lump sum now, repaid in fixed automatic payments from your business bank account over a term that fits your business. The decision rests on what your business deposits, not on a spotless credit history.

Used for expansion, inventory, payroll, renovations, equipment, tax bills and day-to-day operations.

  • A decision within hours
  • Funds within 48 hours of approval
  • No upfront fees, no obligation
  • Credit score is not the deciding factor
Payments can be daily, weekly, bi-weekly or monthly depending on the program. You'll see the exact schedule and amount, in writing, before you sign. We tell you which applies when we go over your offer, and nothing is taken from your account until you've agreed to it.
How it works

What happens next.

Four steps. One person looking after your file.

01ApplyAbout two minutes online, or on the phone. No account to create, no documents needed to start.
02A specialist callsAs soon as possible during business hours. We confirm a few details and tell you the easiest way to send your bank statements.
03Your offerA decision within hours of receiving your statements. We explain the amount, the total payback and the term before you sign anything.
04FundedSign the agreement electronically, after you and your specialist go through it together. Funds arrive within 48 hours of approval.
Request a callSee the whole process
Payment calculator

Play with the numbers.

Pick an amount and a term to see what a payment could look like. These are estimates, not a quote. Your exact number comes with your written offer.

$10,000$2,000,000
3 months24 months
Payment frequency
Estimated weekly payment
Estimated total payback
Estimate only. Your exact cost is one fixed number written on your offer before you sign. It depends on your deposits, time in business and industry. A longer term usually means a higher total payback.
Need longer than 24 months?

The calculator covers the advance. These run longer.

Tell us what you are financing and your specialist will point you to the right one on the first call.

Line of credit

Draw what you need, when you need it.

Learn more

Equipment financing

The equipment now, paid over time.

Learn more

Term loans and SBA loans

Longer terms for established businesses.

Learn more
Working with us

What you can expect from us.

Businesses funded nationwide, in almost every industry, one specialist at a time.

A dedicated funding specialist

One name, one number, from your first call to the day you're funded.

(646) 389-1704

Save our number so you know it's us.

Plain-English terms

You'll know the advance amount, the total payback and the term before you sign.

Your documents, secured

Statements travel over an encrypted connection and are used only to arrange your funding.

No upfront fees

It costs nothing to apply or to get a decision, and there's no obligation to accept an offer.

Funding nationwide

Based in New York, funding businesses nationwide.

Questions

Questions merchants ask.

Anything else, a specialist is one call away.

Request a call
Two minutes, a phone number and an email for your written offer. Your last 3–4 months of bank statements get you a decision within hours, and you can send them after you apply.

Ready when you are.

Two minutes online, or one call.

Request a callApply in 2 minutes
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