Business capital up to $3M
without the bank runaround.
One simple application. Soft pull only. We shop your file across a 75+ lender network to find the best fit — from $10K – $3M.
- Soft pull — no credit impact
- No application fees
- 60-second application
Do you qualify?
Simple requirements. No paperwork gauntlet.
Time in business
3 months
minimum operating history
Monthly revenue
$15,000+
in gross monthly deposits
US-based
US business
registered, with a business bank account
Credit score
No minimum
FICO — soft pull only
What you'll upload
3 months of business bank statements. That's it.
How it works
A clear path from application to funding.
Apply
Answer a few quick questions in about 60 seconds. Soft pull only.
Review
An advisor reviews your file and your last 3 months of statements.
Compare offers
We shop 75+ funding partners and lay out your options.
Funded
Pick the offer that fits. Funds can land as fast as 24 hours.
The comparison
Why owners choose WFY.
- Time to funding
- As fast as 24 hours
- Approval rate
- High with $15K+/mo revenue
- Credit requirement
- No minimum FICO
- Credit pull to apply
- Soft pull — no impact
- Offers shopped
- 75+ funding partners
- Application
- 60 seconds online
- Products offered
- 6 product types
- Funding range
- $10K – $3M
- Time to funding
- 30–90 days
- Approval rate
- Low for small businesses
- Credit requirement
- 680+ typical
- Credit pull to apply
- Hard pull
- Offers shopped
- 1
- Application
- Lengthy paperwork
- Products offered
- Mostly term loans
- Funding range
- Varies
- Time to funding
- 2–7 days
- Approval rate
- One yes or no
- Credit requirement
- Varies by lender
- Credit pull to apply
- Often hard pull
- Offers shopped
- 1
- Application
- Full application
- Products offered
- Usually 1–2
- Funding range
- Varies
Comparison reflects typical market conditions and is for illustration only. Actual terms, timing and approval depend on the funding provider and underwriting.
Funding products
Six ways to fund. One application.
Business Line of Credit
Draw what you need, pay interest only on what you use.
Equipment Financing
Finance trucks, machines and tools — the asset is the collateral.
Who this is for
Built for owners who keep things moving.
Cover payroll in slow months, renovate the dining room, or buy kitchen equipment without draining cash.
Use cases
What business owners use it for.
CASH FLOW
“Cover payroll during a slow month”
INVENTORY
“Buy inventory before peak season”
GROWTH
“Hire 2 more crews”
EXPANSION
“Open a second location”
RECEIVABLES
“Bridge a slow-paying client”
EQUIPMENT
“Buy a new truck or equipment”
MARKETING
“Launch a marketing push”
REFINANCE
“Consolidate expensive advances”
Application
See your offers. It takes 60 seconds.
Soft pull · No fees · No obligation
OUR PROMISE
No surprises. Ever.
No hidden fees
Applying is free. Every cost of an offer is shown before you sign.
Soft pull only
Checking your rates never affects your credit score.
Your data stays yours
We share your file only with funding partners to get you offers.
Client stories
Owners we've helped fund.
Client review coming soon
Client review coming soon
Client review coming soon
FAQ
Questions, answered.
Will applying hurt my credit?+
No. Checking your options uses a soft credit pull, which does not affect your credit score. A hard pull may only happen later if you choose to move forward with a specific offer.
How fast can I get funded?+
Funding decisions can come in as fast as 24 hours. Timing depends on the product and how quickly you send your bank statements.
What documents do I need?+
To start, just your last 3 months of business bank statements. Some products, like SBA loans, may need more later.
What if I have bad credit?+
There is no minimum FICO to apply. Many of our funding partners weigh your revenue and cash flow more than your credit score.
How much can I qualify for?+
Funding ranges from $10K to $3M. Your amount depends on monthly revenue, time in business and the product you choose.
Are there application fees?+
No. Applying and reviewing offers is free.
Is WFY a lender?+
WFY works with a network of funding partners to find the best fit for your business. Final terms, rates and approval come from the funding provider.
Ready to see what you qualify for?
$10K – $3M · Decisions as fast as 24 hours · Soft pull only
Check My Rates