Instant Capital for
Your Business
From $10,000 to $300,000 — fast, flexible funding without the bureaucracy of traditional banking. Decision in as little as 30 minutes.
Two Ways to Get Funded
Take your capital in one lump sum, or keep an approved amount available and draw from it as needs arise.
Capital upfront. Simple and fast.
A lump sum based primarily on the strength and cash flow of your business.
- Lump-sum funding, delivered at once
- Fast underwriting, minimal documentation
- Daily or weekly remittance options
- All credit profiles considered
Capital available when you need it.
An approved amount you draw from as opportunities arise, subject to approval.
- Request capital as needed, without reapplying
- Availability restores as you repay
- Early Payment Discount Available
- Track your available capital anytime
Figures shown are illustrative and are not an offer. All funding is subject to underwriting approval, account standing, and the terms of the applicable agreement. Early payment discounts are arranged with Point Break Funding prior to payoff and are not automatic.
Funding in Four Simple Steps
We've eliminated the complexity of traditional lending so you can focus entirely on running your business.
We Say Yes
When Banks Say No
Built for business owners who've been let down by traditional financial institutions. Every great business deserves access to capital.
With a streamlined process, dedicated specialists, and repayment plans structured around your cash flow, we're the funding partner that works for you.
Built for Real Businesses
From the restaurant floor to the construction site — we fund the businesses that keep America moving.
Choose Your Advance Amount
Whether you need a quick injection or serious capital to scale, we have a solution built around your cash flow.
- 6+ months in business
- Quick turnaround
- Minimal documentation
- Bad credit considered
- All industries welcome
- Flexible repayment plan
- No prepayment penalty
- Dedicated account manager
- Established businesses
- Custom deal structuring
- Priority processing
- Renewal options available
Built Around Your Business
Ready to Grow Your Business?
Apply today and receive a funding decision in as little as 30 minutes. No obligation. No hard credit check.
Frequently Asked Questions
No. We work with all credit profiles, including bad credit. Our approval is based primarily on your business cash flow and revenue, not your personal credit score.
Most businesses receive funding within 24 hours of approval. Our 60-second application is followed by a specialist call within 30 minutes to structure your offer.
In most cases, just 3 months of business bank statements. No tax returns, no business plan. We keep it simple so you can stay focused on running your business.
No prepayment penalties on any advance. Pay off early anytime. We can also discuss a discounted early payoff. We build long-term relationships, not traps.
A Merchant Cash Advance is a purchase of your future receivables, not a loan. Repayment is structured around your cash flow — no fixed payments, no collateral. Banks say no. We say yes.
We fund from $10,000 up to $300,000 depending on your monthly revenue, time in business, and other factors. Apply and get your best options — no obligation, no hard credit check.