Business funding

Funding judged on what your business has already done

Lenders look at your trading record: how long you have been open, what comes in each month, what the bank statements show. Tell us yours in one short application, with no fee to apply.

Five questions, no documents
No fee to apply
No obligation to accept

The application is the way in, and it takes about two minutes.

What you'll be asked to show

Five things a lender reads, and what each one tells them

No lender funds a promise. What they fund is a record, and it comes down to the same handful of items whichever program you end up in. Here they are, with every published requirement named and nothing guessed.

An hourglass among stacked coins: months of trading, and what they added up to.

Time in business

How long the business has been trading. The application asks it in bands, from under a year to ten years or more.

What it proves
That the business has lasted through more than one season, and that its revenue has a history rather than a start date.
Which programs lean on it
- Equipment financing12+ months in business, usually
No other program publishes a minimum. The lender decides.
Monthly revenue

Roughly what comes into the business in a month. The application asks it in ranges.

What it proves
The size of what the business can carry: how much a repayment would be as a share of what it takes in.
Which programs lean on it
- Equipment financing$50,000+ annual revenue, usually
- Revenue-based fundingTerms lean on sales rather than the credit file
For the other four, what counts as enough is the lender's call.
Recent bank statements

The business account, month by month, once a lender asks for it.

What it proves
That the revenue is real. Deposits are the one figure a lender does not have to take on trust.
Which programs lean on it
- Working capitalRepaid by daily or weekly ACH
- Revenue-based fundingRepaid by daily or weekly ACH
How many months they want to see, the lender decides.
Credit

The owners' and the business's credit history, with your authorization, when you submit.

What it proves
How debt has been handled before. It is one item among five, not the whole case.
Which programs lean on it
- Equipment financing650+ usually, though solid cash flow can make the case below it
- Revenue-based fundingLow scores and limited history considered
The rest publish no minimum score. The lender decides.
For equipment, the quote

What the machine, vehicle or fit-out costs, from whoever is selling it.

What it proves
What the money buys and what it is worth. Qualifications vary with the equipment itself.
Which programs lean on it
- Equipment financingUp to $250K, over 1 to 5 years
Specific to equipment financing.

The first application asks for none of these as documents. It asks five questions, two of which are time in business and monthly revenue. Statements, credit and quotes come later, when a lender asks for them.

How it works

From the record to an offer

Three stages. The first takes a couple of minutes; the second is where a lender reads your evidence; the third is yours to decide.

Step 01

State the record

Amount, contact details, then time in business, monthly revenue and what the money is for. Five questions, answered from memory. Nothing to upload.

Five questions
No documents at this stage
No fee to apply

An online seller at her desk between orders, boxes packed and laptop open.

Step 02

A lender reads the evidence

Our funding partner puts the application in front of lenders on the network that fund businesses with a record like yours. This is when a lender may ask for statements and pull credit.

80+ lenders on the network
Statements only if a lender asks
Credit checked with your authorization

A flight-school instructor and two trainees reading a simulator's instruments together.

Step 03

You decide

Offers come back with their amount, term and cost. Compare them, ask questions, or decline all of them. Once you accept and are approved, funding can arrive in as little as 24 hours.

No obligation to accept
Cost across the whole term
As little as 24 hours once approved

A café owner with a tablet, reading before she decides.

The six

The six programs

Each reads the record differently. Some weigh sales, some weigh time, one weighs the equipment. These are the six, with the figures the network publishes for each.

A main-street shop front with bunting over the door: a business with years behind it, planning the next one.

Term Loan

The classic way to fund a bigger move.

Loan amount: $20K – $1M
Funding speed: Within 24 hours
Loan term: 1–2 years
Interest rate: As low as 6%

$20K – $1M, within 24 hours →

Two baristas at work behind a café counter, where a slow month is short and specific.

Short Term Business Loan

Fund your business on your terms.

Funding amount: $10K – $1M
Funding speed: As quick as 1–2 days
Cost: Beginning at 6%
Term: Up to 24 months

$10K – $1M, 1 – 2 days →

A metalworker at the grinder in safety glasses, with the machine the work depends on.

Equipment Financing

Equipment for virtually any industry.

Loan amount: Up to $250K
Term: 1–5 years
Cost: As low as 8%
Repayment: Monthly

Up to $250K, 1 – 5 years →

A car at the pump on a station forecourt: fuel and stock bought before they are sold.

Working Capital

Funding your day-to-day operations.

Funding amount: Up to $1M
Funding speed: Within 24–48 hours
Cost: Starting at 4.5%
Repayment: Daily or weekly ACH

Up to $1M, 24 – 48 hours →

Washing loaded at a laundromat, where a broken machine is a cost that arrives unannounced.

Business Line of Credit

Flexible financing, there when you need it.

Funding amount: Up to $1M
Term: 6 months to 3 years
Cost: Starting at 4.5%
Funding speed: Within 1–2 days

Up to $1M, 1 – 2 days →

A pharmacist handing a customer their purchase across the counter: the day's card sales.

Revenue-Based Funding

Quick and efficient access to capital.

Funding amount: $5K – $500K
Funding speed: 24–48 hours
Repayment: Daily or weekly ACH

$5K – $500K, 24 – 48 hours →

What proven means

A record, not a pitch

The word is about evidence, not about approval. Nothing is guaranteed here, and nothing is promised that a lender would have to keep.

It means trading: Months open and money through the account: the evidence a lender reads, and the part of a business that cannot be borrowed.
It does not mean perfect: A short history or a thin credit file narrows the options. Revenue-based funding, for one, considers both.
It means plain terms: Every offer shows the amount, the term and the cost, so the comparison is on paper.
It costs nothing to show: No fee to apply and no obligation. The lender pays the network if a deal closes.

A landscaper laying stone beside new turf, seen from above: work that shows.

The network's figures

Totals for the lending network, not for this brand

Proven Business Funding is one door into a shared network of lenders. These are that network's numbers.

80+lenders in the network

25,000businesses funded

24 hrsto funding once approved

The application

Your record is the application

Everything the first step asks, you already know. It sits at the top of this page and on a page of its own, and nothing happens unless you accept an offer.

Start the application