Built for American small business

Your number first.
Paperwork after.

Two minutes and a few questions give you a number you can plan around. No hard credit pull.

Check my number

$1B+ funded10,000+ businesses funded

What's my number?
$80,000
$10k$500k+
↓
You could qualify for up to$120,000

An estimate, not an offer. Your real number comes off your bank statements. Looking doesn't touch your credit.

Check my real number

What happens next

A rough number today.
Money in your account after.

Theo2 min
What do you need the money for?
Payroll, and materials for a job
What does the business bring in a month?
About $82,000
Your numberAbout $105,000
↑Bank statements0 of 4
PDF
Business checking · August
$79,300✓
PDF
Business checking · September
$84,100✓
PDF
Business checking · October
$81,900✓
PDF
Business checking · November
$83,260✓
Sign
Application
✓

In reviewAvg. deposits $82,140 · 0 negative days

$Your portal0 approvals
Credit line11:40 AM · draw as you need it
$75,000
Working capital Best fit1:05 PM · can wire today
$120,000AcceptAccepted
Equipment credit2:30 PM · paid to your seller
$60,000

Each one shows up on its own

✓Your pickSigned
Working capitalSigned on your phone, 2:41 PM
$120,000
Wire sent · today, 3:02 PM

Theo · your AI funding advisor

Ask Theo before you fill in anything.

  1. 1Tell Theo what's happening
  2. 2See your number and the best way to get it
  3. 3Your portal opens. Approvals show up in it.
Example
Up to $123,000 Roofing contractor bringing in $82,000 a month
  • Steady revenue
  • Time in business
  • No negative days
  • No open advance
Your portalOpens when you finish
Approval 1
Approval 2

Real approvals show up here, usually within a few hours of your statements.

TheoAI funding advisor · about two minutes

Rather fill in a form? Start the application. Rather talk? (484) 604-8704.

What we offer

Say what it's for.
We line up what fits.

Nobody expects you to know a credit line from an advance. Say what the money is for and we put every option your business could get side by side. Your advisor walks you through them.

Payroll is Friday and the check from your biggest job lands next month. This covers the gap.

  • Up to $750,000
  • As fast as the same day
  • Payments move with your sales
See working capital

Set it up once. Pull from it when the cooler dies or a big order comes in. Pay it down and it's there again.

  • Draw only what you need
  • Pay only on what you've drawn
  • Opens back up as you pay it down
See credit line

The truck, the oven, the lift. Get it now and let it pay for itself while it works.

  • New or used
  • Paid straight to the seller
  • The equipment backs the deal
See equipment credit

You did the work and sent the bill. Get most of it now instead of in 60 days.

  • Up to 90% of the invoice up front
  • Your customer pays on their normal terms
  • No new debt on your books
See invoice advance

Got an offer from someone else? Bring it. We'll work to beat it.

Working capitalOffer
$120,000
Wired today · payments follow your sales
Explore working capital
Credit line$75,000 limit
Available$75,000$50,000In use $25,000
Pull what you need. Pay only on that.
Explore credit line
Equipment credit$60,000
  1. Quote in
  2. Offer signed
  3. Seller paid in full
Paid
You never front the cash
Explore equipment credit
Invoice · net 60$48,200
Today$43,380Day 60$4,820
Up to 90% now. Your customer pays like always.
Explore invoice advance

Track it yourself

Apply once. Then sign in
and watch the approvals come in.

Pick the one you want and accept it right there. Your advisor is a call away if you want a second opinion.

Try the live demo Take the product tour
  1. Approvals show up on their ownUsually within a few hours.
  2. Compare, then acceptSide by side, in one click.
  3. Talk to someone. Or don't.Your advisor is one call away.

Real businesses

Owners who got their number.

What owners say

Called at 9, had my number by 9:15, money hit Thursday.
Steve L. · General contractor
No runaround. The terms they said on the phone were the terms I signed.
Maria C. · Restaurant owner
Second time using them. Same advisor picked up. That alone is worth it.
Gary W. · Trucking company

By trade

We know how
your business runs.

ConstructionPayroll between draws, materials up front RestaurantsSlow months, equipment that quits mid-service TruckingFuel, repairs, waiting on brokers RetailInventory before the season ManufacturingMaterial up front, customers on net 60

See where you land.

For a business bringing in $80,000 a month. Slide to yours.

Up to$120,000
Check my real number or talk to Theo first

For registered US businesses. An estimate, not an offer. Looking doesn't touch your credit. Rather talk? (484) 604-8704

Check my number Call now