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Fast funding that leaves your assets alone

Revenue-based funding for established businesses doing $60K+ a month. Quick decisions, funding in as little as 24 hours for qualified files, no specific assets pledged.

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Revenue-Based Funding

Keep the trucks, the building and the gear off the table

Revenue-based funding is generally not secured by specific assets, available through our partner, Merchant Fund Express.

As fast as
24 hours

Amount to request

$85,000.00

Funding range$25K to $5M

*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.

Built on revenue, not pledged property

Move while the window is open

Qualified businesses can be funded in as little as 24 hours. About three months of statements, no tax returns, and a 5-minute application.

Credit is one input, not the gate

FICO 500+ is considered, the first look is a soft pull, and current deposits carry real weight in the review.

Costs you can see before signing

The full repayment amount sits in your offer before you accept. No surprise costs show up after you sign.

A schedule you know in advance

Your repayment schedule is spelled out in the offer, so you can plan cash flow from day one.

Why owners search for no-collateral funding

A growing business often has its assets already working: the building is mortgaged, the equipment is financed, and the receivables are spoken for. Pledging something else to get capital is either impossible or a risk you would rather not take. That is why so many owners look for funding that is evaluated on cash flow.

Products like working capital and merchant cash advances are generally underwritten on your bank deposits rather than on specific property. Any requirements tied to a particular offer are written into that offer, so you know exactly what you are agreeing to before you sign.

Fast, but honest about timing

The search phrase says same day. Our answer is this: the application takes about 5 minutes, the review is quick, and funding can arrive in as little as 24 hours for qualified businesses. A faster turnaround is not something we promise, because it depends on your documents and on how quickly the banks move money. What we can control is a short checklist so your file is not the bottleneck.

What the reviewer looks at instead of collateral

  1. Monthly deposits. Built for established businesses doing $60K or more a month.
  2. Consistency. Steady deposits over about three months of statements.
  3. Daily balances. Whether the account regularly runs near zero.
  4. Existing obligations. Other advances or payments already coming out.
  5. Credit. FICO from 500 is considered, and the process starts with a soft pull.

See how strong revenue offsets weaker credit for a deeper walkthrough.

A planning example

For illustration only: a regional landscaping company deposits about $95,000 a month. It lands a commercial maintenance contract that needs two extra crews before the first invoice is paid. Rather than refinance its equipment, the owner applies for $60,000 in working capital, sized to cover roughly six weeks of added payroll and fuel. The offer, if one is made, shows the full cost and repayment schedule so the owner can check it against the contract's margin.

For bigger jobs, see funding for big contracts.

Options that fit the no-collateral search

Equipment financing is different: the equipment itself typically secures the deal. Amounts range from $25,000 to $5,000,000, provided through our partner Merchant Fund Express. Apply in about 5 minutes.

Frequently Asked Questions

Is any funding truly collateral-free?

Revenue-based products are generally evaluated on deposits rather than pledged property. Each offer lists its own requirements, so review it fully.

How quickly can no-collateral funding arrive?

In as little as 24 hours for qualified businesses. Faster timing depends on your file and the banks involved and is not promised.

Do I need tax returns?

No. About three months of business bank statements and a short application are the starting point.

Does my credit repair work with TrueCredit Partners affect funding?

They are separate services. You can apply for funding based on revenue now and keep working on credit on your own schedule.

Payroll bridge $40,000.00
Bulk materials $27,500.00
Second location $65,000.00
Vehicle repairs $14,200.00

Example uses for illustration only.

How to improve your chances

Without collateral in the picture, your deposit history tells the story, so make it a clear one.

  • Route all revenue through one business account
  • Cut down on NSFs and negative-balance days
  • Keep three months of statements ready to send
  • Build a track record of growing monthly revenue

How TrueCredit funding compares to a collateral-backed bank loan

TrueCredit Business Funding
Traditional bank loans
Collateral
Not tied to specific assets
Often secured by assets
Speed
As little as 24 hours
Weeks to months
Documents
About 3 months bank statements
Tax returns, financials, more
Credit
FICO 500+ considered
Strong credit usually expected
Amounts
$25K to $5M
Varies, often slower to scale

Fund the next step and keep your assets clear

One secure application. A soft credit pull to start. No obligation to accept an offer.

Apply for Funding