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Funding Program · Revenue-based

Working Capital (MCA).

Fast, flexible working capital through a Merchant Cash Advance (MCA). Repayment is revenue-based: a small, agreed-upon percentage of your daily or weekly sales is remitted until the total payback is reached. Designed for businesses that need quick access to capital without traditional loan requirements — working capital that moves as fast as your business does.

4.9/5 Trustpilot2,000+ businesses funded
Funding amount
$5K – $500K
Approval time
Same-day
Term length
3 – 18 mos
Credit score
550+
No collateral · Soft credit pull only
Use Cases

Best For

  • Bridging short-term cash-flow gaps
  • Purchasing seasonal inventory
  • Repairing or replacing essential equipment
  • Meeting payroll during slower months
  • Powering your next stage of growth
Requirements

Who Qualifies

  • 6+ months in business
  • $25,000+ in monthly revenue
  • 550+ credit score
  • Active business bank account

Don’t meet every requirement? Apply anyway — we fund potential, not perfection.

Key Features

Built around how you operate.

No collateral required

Approval is based on your revenue, not your assets. No lien on your home, vehicles, or equipment for most programs.

Quick approvals in hours

Most files are reviewed the same day. Funded files often hit your account within 24 hours of signing.

Payments adjust with sales

A small, agreed percentage of daily or weekly sales — repayment scales naturally with revenue.

Any business purpose

Use funds however your business needs — inventory, payroll, marketing, repairs, expansion, or seizing a new opportunity.

Funding in action

Real businesses, real outcomes.

Recent MCA approvals across industries we fund every day.

Approved
$35K
Restaurant

Stocked patio season inventory in 48 hrs

Approved
$120K
Construction

Covered payroll while waiting on draws

Approved
$75K
E-commerce

Pre-bought Q4 inventory at supplier discount

“We had a roof contract land with a hard deadline and no margin to wait on a bank. LendPeak had us funded the same afternoon. Our specialist actually picked up the phone — wild, in 2026.”
Marcus Yates
Yates & Sons Roofing · Construction

Compare funding programs side-by-side.

You’re hereWorking Capital / MCA
Funding amount
$5K – $500K
Approval time
Same-day – 24 hrs
Term length
3 – 18 mos
Credit score
550+
Collateral
Not required
Best for
Quick cash flow
Term Loans
Funding amount
$10K – $250K
Approval time
2 – 5 days
Term length
3 – 24 mos
Credit score
650+
Collateral
Optional
Best for
Major investments
Line of Credit
Funding amount
$10K – $100K
Approval time
1 – 2 days
Term length
Revolving
Credit score
600+
Collateral
Not required
Best for
Ongoing flexibility
Equipment Financing
Funding amount
$5K – $500K
Approval time
1 – 3 days
Term length
Up to 5 yrs
Credit score
550+
Collateral
Equipment
Best for
Asset purchases
Invoice Financing
Funding amount
Up to 90%
Approval time
Same-day
Term length
30 – 90 days
Credit score
550+
Collateral
Invoices
Best for
Payment delays
SBA Loans
Funding amount
$50K – $500K
Approval time
30 – 90 days
Term length
Up to 25 yrs
Credit score
680+
Collateral
Often required
Best for
Long-term growth

Not sure which option fits you?

Choosing the right funding program depends on your goals, timeline, and business stage.

Need funds immediately for an urgent expense?

Working capital (MCA)

Offers the fastest approvals and same-day funding for eligible applications.

Learn more

Want ongoing access without reapplying each time?

Business lines of credit

Provides flexible, reusable capital you can draw and repay as needed.

Learn more

Planning a major investment with predictable repayment?

Term loans

Delivers larger amounts with fixed rates and consistent monthly payments.

Learn more

Buying specific equipment for your business?

Equipment financing

Uses the asset itself as collateral for faster, easier approval.

Learn more

Seeking the lowest rates for long-term growth?

SBA loans

Features government-backed financing for established businesses ready to scale.

Learn more

Need help deciding?

Our Funding Specialists will review your situation and recommend the best solution for your business — at no cost and with no obligation.

Get funding started(888) 744-8119

From application to funding — simplified.

  1. Step 1

    See if you qualify

    Share a few business details — it takes less than a minute. No paperwork or hard credit pull; we'll start your funding review right away.

  2. Step 2

    Connect with a funding specialist

    A real human reviews your info and calls to understand your goals. If you qualify, you'll receive a simple one-page application to continue.

  3. Step 3

    Finalize your application

    Complete the one-page form so underwriting can review and prepare your approval. Your specialist keeps the process fast, clear, and completely transparent.

  4. Step 4

    Sign & fund fast

    Review and e-sign final paperwork — most approvals fund within hours. Funds land directly in your business account.

A small business owner using LendPeak from her laptop, with a 5-star testimonial card overlay
Ready to grow?

Get matched with a funding specialist today.

Pre-qualify in 60 seconds — soft credit pull, no documents, no obligation.

See if you qualify