FUNDING DECISIONS IN 24–48 HOURS

Capital that moves at the speed of your business.

Phoenix Capital advances working capital against your future revenue — so you can stock inventory, run payroll, and jump on growth without waiting weeks for a bank.

Get funded → How it works
✓ No collateral ✓ Soft credit pull to apply ✓ No use restrictions
⚡ avg. decision: same day
$10K – $1M advances
Let’s get you funded
No obligation. No impact on your credit score.
⏱ 5-minute application·Funded in as little as 24–48 hrs
24–48h
Average time to fund
5 min
Online application
$10k-$1M
Advance range
$0
Collateral required
BUILT FOR REAL BUSINESSES ACROSS EVERY INDUSTRY
Restaurants
Retail
Construction
Medical & Dental
Trucking & Logistics
Salons & Spas
Auto Repair
E-commerce
Restaurants
Retail
Construction
Medical & Dental
Trucking & Logistics
Salons & Spas
Auto Repair
E-commerce
HOW IT WORKS

From application to capital in three steps.

01

Apply in minutes

One short online form and three months of bank statements. No stacks of paperwork, no hard credit pull.

02

Get a real decision fast

Our underwriters review the health of your business — not just a score — and come back with clear options, often the same day.

03

Receive your capital

Accept your offer and funds land in your business account in as little as 24–48 hours. Then get back to growing.

WHY PHOENIX

Banks make you wait. We make you move.

Same starting line, same goal — the bank stalls at underwriting while Phoenix crosses the finish in 24–48 hours.

COMPARE
Phoenix Capital
Traditional bank loan
Time to funding
✓24–48 hours
✕2–8 weeks
Application
✓5 minutes, fully online
✕Extensive paperwork
Collateral
✓None required
✕Often required
Credit requirements
✓Flexible — we look at revenue
✕High score thresholds
Repayment
✓Tracks your revenue
✕Fixed monthly, regardless
Use of funds
✓Unrestricted
✕Often restricted
HOW REPAYMENT WORKS

Repayment that tracks your revenue.

An advance is repaid through a small, agreed portion of your future revenue — automatic remittances that scale with how your business actually earns, not a fixed bill that ignores slow weeks.

Inventory
Stock up ahead of demand
Payroll
Keep your team whole
Equipment
Replace or upgrade gear
Expansion
Open the next location
DO I QUALIFY?

No guessing games. Here's what we look for.

We underwrite the health of your business — revenue and momentum — not just a credit score. If you clear these, you're likely fundable.

Check my eligibility →
✓
6+ months in business
Startups past their first two quarters welcome
✓
$10K+ monthly revenue
Consistent deposits matter more than perfect credit
✓
Business bank account
Where your funding lands in 24–48 hours
✓
3 months of bank statements
That’s the whole document list
CLIENT STORIES

Businesses that stopped waiting.

★★★★★

“We needed new kitchen equipment before our busiest season. Applied Monday morning, had funds in our account Wednesday.”

J
John
Restaurant owner
★★★★★

“Our bank wanted two months of meetings for a line of credit. Phoenix got us $85K for spring inventory in two days.”

A
Alexa
Retail boutique
★★★★★

“When two trucks went down the same week, Phoenix covered the repairs before we lost a single contract.”

T
Timothy
Trucking & logistics
★★★★★

“The repayment tracking our revenue made all the difference — slow weeks at the shop don’t squeeze us the way a fixed loan payment did.”

M
Maria
Salon & spa
★★★★★

“I opened my second location eight months ahead of plan. The application really did take five minutes.”

D
Derrick
Auto repair
★★★★★

“No collateral, no hard credit pull to see options — as a newer e-commerce brand, no one else would even look at us.”

P
Priya
E-commerce
FAQ

Straight answers.

Most businesses receive funding within 24 to 48 hours of approval, depending on the file and documentation. Many get a decision the same day they apply.

We look at business performance, revenue profile, and overall fit. Typically that means 6+ months in business, consistent monthly revenue of $10K+, and a business bank account. A perfect credit score is not required.

No. Reviewing your options uses a soft credit pull only, which does not affect your score. There is no obligation to accept an offer.

Anything your business needs: inventory, marketing, payroll, expansion, equipment, or general working capital. There are no use restrictions.

An advance is repaid through an agreed portion of your future revenue over a set term, usually via automatic daily or weekly remittances — so repayment tracks how your business actually earns.

Ready to rise? Apply in 5 minutes.

No obligation to review your options. Funding decisions in as little as 24–48 hours.

Start your application →