Funding for growing businesses
Get $25K–$5M, funded in 48 hours
For the businesses that keep things running — restaurants, clinics, contractors, shops, and Shopify and Amazon sellers. Answer four quick questions, see real offers, and get funded as soon as today.
- No credit impact to check
- No obligation
- One best-fit option — no broker spam
- Funded
- 6,480
- Total funded
- $412M
- Approval rate
- 71.4%
- Speed
- 1 business day
Step 1 of 8 · Industry
About 2 minutes to finish
What kind of business do you run?
We underwrite to your industry's rhythm.
No credit pull100% freeNo obligation
No credit impact to check. 4.8/5 from 2,500+ owners. Funding in as fast as 48 hours. Bank-level 256-bit encryption. Free to apply — no obligation. Available in all 50 states
CanFund Capital funds Shopify sellers, Amazon sellers, restaurants, medical and dental clinics, construction companies, trucking, auto repair, salons, retail shops, and professional services.
Trusted across industries
From storefronts to online-first
Real operators, real businesses, real outcomes. Here's who we've funded.
- 0+
- Construction businesses
- 0+
- Restaurants
- 0+
- eCommerce stores
- 0+
- Health practices
- 0+
- Trucking companies
- 0+
- Agencies & consultants
- 256-bit encryption
- Bank-level security
- BBB accredited
- SOC 2 compliant
Straight talk
Most "funders" are really brokers in disguise
They act like they're funding you, then quietly shop your file around town. You deserve to know exactly whose money you're taking — so we tell you every time.
When it's a fit
We fund you directly
If your business matches our own criteria, the capital comes off our balance sheet. No middlemen, no markup.
- Capital from our own balance sheet
- The fastest funding we can do
- You deal with your actual funder
- The clearest terms we can write
When a partner is better
We connect you openly
If a vetted partner can serve you better, we say so up front and match you with the right one — and we tell you who they are.
- Vetted network of direct lenders
- Full transparency on who funds you
- We negotiate the terms on your behalf
- No hidden fees, no surprise add-ons
The CanFund promise: either way, you'll always know exactly who is funding you and why.
Who we fund
We know your industry
Every business has its own rhythm — insurance lag, progress billing, platform payouts, seasonal swings. We underwrite to that rhythm instead of fighting it.
Shopify sellers
Payout-timing gaps and inventory buys
Amazon sellers
Restock ahead of Q4 and Prime events
Restaurants
Build-outs, equipment, slow-season cover
Medical & dental clinics
Insurance lag and new operatories
Construction & trades
Payroll between progress payments
Trucking & logistics
Fuel, repairs, and invoice float
Funding options
Pick the funding that fits the job
Seven ways to get capital, one application. We'll show you the ones your business actually qualifies for and explain the trade-offs in plain English.
Why owners choose us
Serious capital, without the runaround
Built for owners, not bankers
Plain-English offers with the full dollar cost on screen before you sign. If we can't fund you, we tell you exactly why and what would change it.
Your sales do the talking
Strong revenue counts more than a perfect credit file. Approvals happen down to a 500 FICO on revenue-based products.
A real human on your file
Technology does the paperwork. A funding advisor who knows your industry handles the judgment calls and picks up the phone.
Room to grow with you
Most businesses come back. Performance on your first facility unlocks larger amounts and better pricing on the next one.
Restaurants, clinics, contractors, and online sellers — funded every day.
- Typical funding speed
- 1 business day
- Platform uptime
- 99.98%
Real stories, real results
See what owners are saying
“Three banks turned me down.”
They got me funded when the banks said no.
Your funding journey
From application to funded in a single day
No mystery, no three-week wait. Here's exactly what happens, step by step.
- 1~5 min
Quick assessment
Answer a few questions about your business and how much you need.
- 2~2 min
Upload your statements
Your last 3 business bank statements as PDFs. No bank login required.
- 3~30 min
We review your numbers
Our system reads real revenue instead of asking you to prove it.
- 4Same day
See your options
Every option you qualify for, with the full dollar cost on screen.
- 5~15 min
Pick your plan
A funding advisor helps you choose the fit — never a hard sell.
- 6~10 min
Review & sign
Plain-English contract. No hidden terms, no surprise fees.
- 7Same day
Funded
Money moves by ACH to your business account.
Average time from start to funded: 24 hours
Why owners choose us
See how we stack up
Against a bank and against the broker who keeps calling you. Same questions, honest answers.
| What matters | CanFundRECOMMENDED | Banks | Brokers |
|---|---|---|---|
| Approval speed | 48 hours | 2–6 weeks | 3–7 days |
| Approval rate | 71.4% | ~20% | ~60% |
| Credit score needed | 500+ | 680+ | 550+ |
| Tells you who funds you | ✓ | ✓ | ✕ |
| Hidden fees | ✕ | ✕ | ✓ |
| Direct relationship | ✓ | ✓ | ✕ |
| Paperwork required | Minimal | Extensive | Moderate |
| Funding amount | $25K – $5M | $50K+ | $5K – $500K |
Referral program
Know another owner? Earn $500
Refer a business owner you trust. When they get funded, you get paid — no strings, no cap.
- No limit on how many owners you refer
- Paid within 24 hours of their funding
- They get priority processing too
$500
per successful referral
Common questions
Got questions? We've got answers
Everything owners ask us before getting started.
- What are the minimum requirements to qualify for business funding?
- Baseline requirements across CanFund products are at least six months in business, a business bank account, and $15,000 in monthly revenue. Individual products set higher floors: working capital and lines of credit generally require twelve months of operating history, and term loans require twenty-four. Credit score minimums range from 500 to 650 depending on product.
- Can I qualify with bad personal credit?
- Often, yes. For revenue-based products such as merchant cash advances, cash flow behavior carries more weight than the personal credit score, and approvals occur down to a 500 FICO. Credit weight increases for longer-duration products, where a low score narrows both the approved amount and the available term.
- Do you fund startups or businesses under six months old?
- Businesses under six months old generally do not qualify for revenue-based products because there is insufficient deposit history to model. Invoice factoring is the common exception: it underwrites primarily against your customers' credit, so a three-month-old company invoicing creditworthy B2B customers can be eligible.
- Which industries do you not fund?
- A restricted list applies and includes categories with regulatory or chargeback profiles outside our risk appetite — the full restricted industry list is available on request. Most retail, service, healthcare, transportation, construction, and e-commerce businesses are eligible.
- How long does the application take?
- The application takes about seven minutes to complete. Once your bank statements are uploaded, the current average time to a decision is 4m 12s. Standard files need three months of business bank statements; larger requests may also require tax returns or financial statements.
- What documents do I need to apply?
- Three months of business bank statements, downloaded as PDFs from your bank. That is it for most applications. Requests above $250,000, or files where the statements are incomplete, may require two years of business tax returns and a current profit and loss statement.
Find out what your business qualifies for
It takes about seven minutes, it's free, and checking won't affect your credit score.