Emergency Business Funding: Capital When Payroll, Repairs or Tax Bills Cannot Wait
When a bill will not wait for the next invoice to clear, funding can close the gap. Underwriting usually takes 1 to 5 hours, and funding usually arrives 24 to 48 hours from application.
Apply directly with us. More reasons to get funded
What is emergency business funding?
Emergency business funding is short-term capital used to close a cash-flow gap when a business faces a time-sensitive cost it cannot push back, such as payroll due before a customer invoice clears, a broken piece of equipment, or a tax and insurance bill landing in the same week.
It is reviewed against your real revenue and cash flow rather than a lengthy credit file. It works well as a bridge when the business itself is sound and the shortfall is temporary.
- Meet payroll on time
- Repair or replace what stopped working
- Cover tax and insurance bills
- Bridge a late customer payment
Cash-flow emergencies we see most often
Payroll before an invoice clears
Pay your team on time while a large customer payment is delayed.
Equipment breakdowns
Repair a refrigerator, compressor or vehicle before downtime costs more than the fix.
Tax and insurance bills
Cover a bill that lands in the same week as other expenses.
Late customer payments
Bridge the wait on an invoice that is later than expected.
Unexpected repairs
Fix a roof leak, a failed system or storm damage and keep operating.
Supplier deposits
Pay a deposit to keep a critical order moving.
Is emergency funding the right tool?
Nothing is submitted here. It is just a fast way to see whether this fits your situation.
Weigh your options
- Emergency funding is a bridge. It is not a fix for a deeper structural problem in the business.
- Payments are fixed daily or weekly, so make sure the amount fits your cash flow.
- Actual timing depends on how quickly your documents come in.
- See how the numbers work on Transparent Terms.
Is emergency funding the right tool?
Tick what describes your situation.
Apply right away
Tell us what is happening. A soft credit pull only.
Get a decision
Underwriting usually takes 1 to 5 hours on a complete file.
Get funded
Funding usually arrives 24 to 48 hours from application, and can be as little as 24 hours.
Your questions, answered
What is emergency business funding?
It is short-term capital used to close a time-sensitive cash-flow gap, such as payroll, an urgent repair or a tax bill.
Is emergency funding right for my business?
It tends to work well when the business is healthy and the shortfall is temporary, such as a late payment or an unexpected repair. Your funding specialist can walk you through the real payment figures before you accept an offer.
Do I need good credit?
We use a soft credit pull only, so applying does not add a hard inquiry, and we approve down to a 500 credit score. Approval looks mainly at your revenue and cash flow.
How fast can I get funded?
Underwriting usually takes 1 to 5 hours on a complete file, and funding usually arrives 24 to 48 hours from application. Funding can arrive in as little as 24 hours.
How does repayment work?
Our merchant cash advance has a fixed daily or weekly payment. Terms are up to 10 months, and sometimes up to 15 months. Your funding specialist explains the full cost and payment schedule in writing before you decide.
What does it cost?
Cost is expressed as a factor rate and fees rather than an interest rate. Direct Fund factor rates range from 1.309 to 1.499, with standard fees of 5% to 10%. Because the cost is set at funding, you know the full repayment amount up front. See Transparent Terms for worked examples.
Is this a loan?
No. Our funding is a merchant cash advance, which is not a loan. It is an advance based on your business's revenue.
What do I need to qualify?
At least 1 year in business. Our Direct Fund program looks for about $50,000 per month in revenue, and our Marketplace program looks for about $5,000 per month. Funding amounts range from $10,000 to $5,000,000.
Related guides and pages
Ready to get started?
Apply directly with us, and a funding specialist will guide you from application to funding.
Funding amounts, terms and eligibility depend on your business and are subject to approval. Funding is provided as a merchant cash advance, which is not a loan, through our Direct Fund and Marketplace programs. Images are illustrative.
