Who we fund
We underwrite on your deposits, not your FICO. From application to funds in as fast as 24–72 hours.
No obligation. Takes about 2 minutes.
Every deal is different. We match the product to your revenue rhythm — not the other way around.
A lump-sum advance repaid from a small slice of your daily card and bank deposits. Approvals hinge on revenue patterns, not credit score.
Learn more →Fixed funding paid back on a predictable schedule — a fit for expansions, buildouts, or one-time equipment buys with clear ROI.
Learn more →Draw only what you need, pay interest only on what you use. Built for uneven weeks, seasonal swings, and surprise expenses.
Learn more →The equipment itself secures the deal, which unlocks larger dollar amounts and longer terms than a standard working-capital product.
Learn more →These are floors, not guarantees. Even if one line doesn't line up perfectly, submit anyway — several of our funding partners flex on individual criteria when the overall picture is strong.
See if I qualify"Bank told us six weeks. Richwill wired the working capital in three days so we didn't miss the summer rush."
"Straight answers about what the money actually costs. No games. That alone put them ahead of the other four brokers I called."
"I had a 580 FICO and every bank passed. They funded on our deposits instead. New oven, more covers, more revenue."
No sales pressure. Just a straight look at what your business qualifies for today.
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