Making America great again — funding one small business at a time.
Business funding, without the bank.
Merchant cash advances from $10K to $2M. Apply in 5 minutes, get approved in hours, and receive capital in as little as 24 hours — no collateral, no perfect credit required.
Funded this month
$38.2M
$850M+
Funded to US businesses
12,000+
Businesses funded
24 hrs
Fastest funding time
4.9/5
Customer rating
How it works
From application to capital in 3 steps
Apply in 5 minutes
A short online application and your last 3 months of bank statements. That's it — no tax returns, no business plans.
Get approved in hours
Our underwriters review your revenue — not just your credit score. Most applicants receive an offer the same day.
Funds in 24 hours
Accept your offer and capital lands in your business account as fast as the next business day.
Why USA Funding
Built for how small business actually works
Speed banks can't match
Banks take weeks. We fund in days — sometimes hours — so you never miss an opportunity.
No collateral required
Your funding is based on your sales performance, not your assets or personal property.
Payments that flex with sales
Remit a fixed percentage of daily sales. Slow week? You pay less. Busy week? You pay it down faster.
All industries welcome
Restaurants, retail, construction, trucking, healthcare, e-commerce — if you have revenue, we can help.
Funding calculator
See your number in seconds
Most merchants qualify for 1–2x their monthly revenue. Use the calculator for a quick estimate, then apply to receive a real, no-obligation offer — usually the same day.
- No obligation and no impact on your credit
- Offers from $10,000 up to $2,000,000
- Terms from 3 to 18 months
How much could you qualify for?
Drag the slider to your average monthly revenue.
Estimated funding amount
$120,000
Estimate only. Final offers depend on underwriting review.
"The bank said no after three weeks of paperwork. USA Funding had $150,000 in my account two days later — right in time to buy inventory for the holiday rush."
Marcus Delgado
Owner, Delgado's Restaurant Group — Houston, TX
AI Funding Check
How ready is your business for funding?
Tell us about your business and get a free, personalized readiness summary in seconds. No credit pull.
Your personalized summary will appear here.
FAQ
Common questions
Ready to grow? Let's get you funded.
Fill out the quick form and a funding specialist will reach out within one business hour with your options. Prefer to talk? Call us at (800) 555-0199.
5-minute application
Soft credit pull only — your score is safe
Dedicated funding specialist