KEEP YOUR BUSINESS MOVING
Stock up, staff up, and stay ready.
Purchase inventory, cover payroll, refresh your location, or handle the everyday cash-flow needs that keep customers coming back.
SMPL FLEXIBLE BUSINESS FUNDING
✓ Bad credit? That’s OK. We look at your business—not just a score.
Upfront Business Capital—Without Collateral or Perfect Credit.
Apply in about five minutes. Qualifying merchants can receive funds as fast as 24 hours, with clear terms and payments that can adjust with business sales.
Only 3 months in business requiredApproximately $10,000 in monthly salesNo excluded industriesNo hidden or monthly program fees
Checking eligibility carries no obligation. Approval, amount, and timing vary based on verification and underwriting.
5-Minute ApplicationSimple, secure, and easy to complete
As Fast as 24 HoursFor qualifying merchants after approval
No CollateralBad credit does not automatically disqualify you
No Hidden FeesClear terms and no monthly program fees
CAPITAL FOR REAL BUSINESS OWNERS
Fund What Helps Your Business Grow, Recover, or Move Forward.
SMPL gives qualifying merchants access to upfront cash based on future business sales—so you can invest in what matters without pledging collateral.
SAY YES TO THE NEXT OPPORTUNITY
Buy equipment and take on more work.
Use flexible capital for tools, vehicles, materials, marketing, expansion, or the contract that can take your business to the next level.
Expand your business
Open a new location, remodel your space, add capacity, or invest in the next stage of growth.
Apply in 5 minutes →Purchase inventory
Stock up for a busy season, take advantage of supplier pricing, or keep your best sellers available.
Apply in 5 minutes →Upgrade equipment
Replace aging tools, add technology, or buy the equipment that helps your team do more.
Apply in 5 minutes →FROM APPLICATION TO FUNDING
Five minutes to apply. Funding as fast as 24 hours.
1
Apply online in about five minutesShare basic information about you, your business, and the capital you need.
2
Receive a fast reviewWe review your business activity—even if your personal credit is less than perfect.
3
Review simple, transparent termsSee the amount, total cost, and payment structure with no hidden or monthly fees.
4
Get funded as fast as 24 hoursQualifying merchants can put approved capital to work quickly.
EASIER QUALIFICATION. REAL FLEXIBILITY.
Your Credit Score Is Not Your Whole Story.
We focus on the strength and activity of your business. Bad credit is OK, no collateral is required, and businesses from every industry are welcome to apply.
- Only three months in businessYou do not need years of operating history to be considered.
- Approximately $10,000 in monthly salesConsistent business revenue is one of the most important qualifying factors.
- No excluded industriesRestaurants, retailers, contractors, service businesses, professionals, and more can apply.
- Clear terms with no monthly feesKnow the total cost and payment structure before accepting.
3+ monthsMinimum time in business
≈ $10K/monthRecommended monthly sales
No collateralBusiness performance matters
Bad credit OKDo not count yourself out
CAPITAL THAT CAN BREATHE WITH YOUR BUSINESS
When Sales Slow Down, Your Payments Can Slow Down Too.
Our flexible funding solution provides upfront cash in exchange for a portion of future business sales. Because payments can be tied to sales, a slower period may mean a lower payment—helping you avoid being trapped by a large fixed payment when revenue dips.
See If I Qualify →STRONG SALES PERIODHigher salesPayment adjusts with business activity
→
SLOWER SALES PERIODLower salesEligible payments decrease as sales decrease
WHY MERCHANTS CHOOSE FLEXIBLE CAPITAL
Fast Access. Simple Qualification. Freedom to Use It Your Way.
Get working capital without giving up equity, pledging collateral, or waiting through a traditional bank process.
Built for busy merchants
Complete the secure online application in about five minutes and receive support from a real person throughout the process.
- Short online application
- Bad credit is OK
- No collateral required
- No excluded industries
No surprises after approval
Review clear terms before you accept, with no hidden charges or recurring monthly program fees.
- Upfront total cost
- Clear payment structure
- Flexible use of funds
- Funding as fast as 24 hours
MERCHANT EXPERIENCES
Business owners value speed, clarity, and real support.
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★★★★★
Fast and straightforward
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Clear from the beginning
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Capital when it mattered
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Professional and helpful
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COMMON QUESTIONS
Simple Answers Before You Apply.
The process should feel exciting—not intimidating. Here is what merchants want to know before getting started.
Apply in About 5 Minutes →Can I qualify with bad credit?
Yes. Less-than-perfect personal credit does not automatically disqualify you. We evaluate the overall strength and sales activity of your business, not only a personal credit score.
Do I need collateral?
No collateral is required for this flexible funding program. The funding is based primarily on your business activity and future sales.
What are the basic qualifications?
Merchants generally need at least three months in business and approximately $10,000 in monthly sales. There are no excluded industries, and every application is reviewed individually.
How quickly can I receive funds?
Qualifying merchants may receive approved funds as fast as 24 hours after completing the application and required verification. Actual timing varies by applicant, bank, documentation, and underwriting.
How long does the application take?
The online application takes about five minutes for most merchants. We keep the questions focused and make any document requests clear.
How do flexible payments work?
This program provides upfront cash based on future business sales. When the agreed payment is tied to sales, payments can decrease when sales decrease, helping the obligation better follow the rhythm of the business.
Are there hidden or monthly fees?
No. The terms and total cost are presented before you accept, and there are no hidden charges or recurring monthly program fees.
Is this a business loan?
This flexible funding program is a purchase of future business receivables and is not a traditional loan. Your funding agreement will clearly identify the product, purchased amount, total cost, and payment structure.
YOUR BUSINESS MAY BE CLOSER TO FUNDING THAN YOU THINK
Five Minutes Could Help Fund Your Next Big Move.
Bad credit? Short time in business? Do not count yourself out. Complete the guided application and review any available terms before deciding. There is no collateral and no obligation to accept.
✓ About 5 minutes to apply✓ Progress saves automatically✓ No collateral required✓ Funding as fast as 24 hours