Live now Call us now 60 seconds · No credit pull
Live advisors · 9–9 ET

The fastest working capital in America.

No forms, no branches, no waiting rooms. Just a phone call and a same-day wire.

G4.9★★★★★500+ reviews BBBACCREDITED · A+ 20,000+businesses funded $20B+through our network
01
9:41
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Step 1 of 3 · Live call
A senior advisor
Connected · 00:09
“Based on your revenue, you're pre-approved for $85,000.”
Won't affect your credit · picks up instantly
Step 160 seconds

A senior advisor in 10 seconds

Picks up instantly — 24/7, zero hold. Tell them your numbers and they run your pre-approval on the spot. No forms. No credit pull.

Real humans, always · ✆ (206) 864-6828
02
9:41
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Step 2 of 3 · Confirmed
Your terms, confirmed.
Pre-approved on your call · $85,000
Amount$85,000
Monthly revenue$70,000
Time in business3 years
MR
Marcus · your advisor
Reviewing with a live underwriter · calls you back in minutes
A real human signs off on every file
Step 2< 5 min

A human confirms your terms

Your pre-approval goes straight to a real underwriter, and your dedicated advisor calls back with final terms. No algorithm decides alone.

Powered by humans + AI
03
9:41
keystone
Funded
APPROVED
You're in. Your wire is on the way.
Funds land in your business checking before close of business today.
Wire sent · today at 3:02 PM
Your advisor's direct line stays open
Step 3Same day

Funded same day

E-sign your offer and we wire the funds to your business checking before close of business. Your advisor stays one call away.

Includes: your advisor's direct line
Use it for

Whatever the business
needs next.

Payroll

Cover the crew through slow weeks and big pushes.

Equipment

Replace it the day it breaks — not next quarter.

Inventory

Buy deep for the season while prices are right.

Expansion

Second location, longer lease, bigger contracts.

Cash-flow gaps

Bridge slow receivables without blinking.

Opportunity

When the deal shows up, say yes the same day.

Security

Serious security.
Zero bank friction.

The security of a financial institution, without the committees, the branch hours, or the paperwork.

Bank-level encryption

Your information is encrypted in transit and at rest. Always.

Read-only verification

Revenue checks never touch your account. We look, we never move a dollar.

No hard credit pull

Qualifying never dings your score. Your credit stays exactly where it is.

Your data stays yours

Never sold. Never shared for marketing. Used once, for your file only.

Our promise to America

We're here for
the ones who build.

For the owner who opens early, closes late, and does it again tomorrow. It took us years — and more than 20,000 funded businesses — to build what answers your call today.

Every pain point, answered.Cash flow, payroll, equipment, expansion — one call covers it.
35 financing products.Your specialist finds the exact fit, with exact rates and terms.
Small business first. Always.Main Street built this country. We work for Main Street.

Recognized by industry leaders

Inc.5000 TOP 100Businesses & Startups SME BANKINGInnovation Awards VOTEDAmerica's favorite
small business capital
★★★★★
Great
Place
To Work®
$0B+
Funded through our network
0+
American businesses helped
0 sec
To qualify on one phone call
0
States served, coast to coast
Industries

Capital for the businesses
that keep America running.

Real funding for the industries that keep America running.

Gyms & FitnessIndependent gyms · equipment, space, members
Auto RepairShops + body · parts, lifts, new bays
Salons & BeautyStudios + suites · chairs, buildouts, product
ManufacturingJob shops + CNC · machines, materials, orders
Cafes & CoffeeShops + roasters · machines, buildouts, beans
Your industry is next.

If it's a real business with real revenue, we have capital for it.

Call now
FAQ

Straight answers,
before you even call.

Anything else — that's what the phone is for.

Will this affect my credit?+

No. Qualifying is a conversation, not a credit application. There is no hard pull to get your number.

How fast is funding, really?+

Approvals happen in minutes on the call. Once you e-sign, wires go out same day — most land before close of business.

What do I need to qualify?+

Basic info only: monthly revenue, time in business, and what the capital is for. No stacks of paperwork to start.

Is this a loan?+

Products through our network are commercial financing products — most are revenue-based, not consumer loans. Your advisor walks you through exact terms before you sign anything.

What if I'm not ready?+

Then don't sign. The call costs nothing, the number is yours to keep, and there's no obligation — ever.

The Severn Somers promise

Three things we
will always do.

01
A human answers.

Every call ends with a real person who knows your file — never a phone tree.

02
Terms before you sign.

Every number, every date, in writing, before any commitment. No surprises, ever.

03
Funded before close of business.

Approved and signed by the afternoon means money in the account by the evening.

As featured in

Investopedia MarketBeat GOBankingRates FOXBUSINESS Inc. Entrepreneur

A real advisor in 10 seconds.
Call now.

No hard pulls No obligations Basic info only
Call (206) 864-6828

Picks up instantly · 24/7 · a human confirms every file