Cash Flo Funding delivers fast, flexible business capital with same-day decisions and funding in as little as 24 hours. No lengthy paperwork. No collateral required.
Where banks take weeks, we deliver decisions in hours and fund within 24–48 hours of approval. Time is money — we don't waste yours.
Funding Solutions
Capital Tailored to Your Business
We offer multiple funding products to fit your business's unique needs, cash flow cycle, and repayment preferences.
Most Flexible
Lines of Credit
Access a revolving credit line you can draw from whenever your business needs it. Only pay interest on what you use — perfect for managing cash flow gaps and seizing opportunities.
Receive a fixed lump sum with a structured repayment schedule. Ideal for planned investments like expansion, hiring, or large purchases where you need predictable monthly payments.
Government-backed financing through the Small Business Administration. Offers the lowest interest rates and longest repayment terms available — ideal for businesses looking for long-term, affordable capital.
Finance the equipment your business needs without draining working capital. The equipment itself serves as collateral, making approval easier and rates more favorable.
From restaurants to auto shops, contractors to medical practices — if your business generates revenue, we have a funding solution for you. All industries welcome.
We've kept our requirements minimal so more businesses can access the capital they need. If you generate revenue, you likely qualify.
Minimum 6 Months in Business
Your business must have been operating for at least 6 months
$10,000+ Monthly Revenue
Minimum average monthly bank deposits or credit card sales
U.S.-Based Business
Must operate and be registered in the United States
Active Business Bank Account
A business checking account open for at least 3 months
No Open Bankruptcies
Business must not have an active bankruptcy filing
What You'll Need
We keep documentation minimal. Here's typically what our application requires:
3 Months Business Bank Statements
Government-Issued Photo ID
Voided Business Check
Proof of Business Ownership
Completed Application Form
Additional documents may be requested for larger funding amounts. Your advisor will guide you through every step.
Client Stories
Real Businesses, Real Results
Don't take our word for it. Here's what business owners say after working with Cash Flo Funding.
★★★★★
"I needed capital fast to purchase extra inventory before our busy season. Cash Flo had money in my account within 24 hours. No stress, no red tape. Absolutely incredible."
Marcus T.
Owner, Retail Store
★★★★★
"Every bank I went to had endless paperwork and waiting. Cash Flo looked at my actual business numbers and funded me within two days. Total game changer for my auto shop."
Rosa G.
Owner, Auto Repair Shop
★★★★★
"Third time using Cash Flo Funding. Each time my funding amount has grown as my restaurant has grown. They genuinely invest in your success. Couldn't recommend them more."
David K.
Owner, Restaurant Group
FAQ
Got Questions?
Everything you need to know about our funding products and process.
A merchant cash advance (MCA) is a form of business financing where you receive a lump sum of capital in exchange for a percentage of your future daily credit card sales or bank deposits. Unlike a traditional loan, repayment fluctuates with your revenue — making it ideal for businesses with variable or seasonal income.
Most applications receive a decision within 2–4 hours of submission. Once approved and contracts are signed, funds are typically deposited into your business account the same day or within 24–48 hours. The entire process often happens within one business day.
We focus primarily on your business's revenue, cash flow, and time in operation. Our underwriting team evaluates your actual business performance to determine the right funding solution and amount for your situation.
Funding amounts range from $5,000 to $5,000,000 or more, depending on your average monthly revenue, time in business, and the product selected. Typically, you can qualify for 50%–150% of your average monthly revenue. Speak with a funding advisor for a personalized estimate.
Prepayment terms vary by product. Some funding products allow early payoff with potential discounts on remaining fees. Your advisor will clearly outline all prepayment terms before you sign any agreement. We believe in full transparency.
We require a minimum of 6 months in business and at least $10,000 in average monthly revenue. If your business is under 6 months old, we recommend applying once you've hit that milestone. For businesses approaching these thresholds, reach out to an advisor — sometimes exceptions can be made case-by-case.
Apply Now
Start Your Application
Takes less than 2 minutes. No obligation. Get a decision in hours.
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