Business Funding Up to $2M — Built for Speed.
Apply in minutes. Get funds as soon as 24 hours later.
Trusted by thousands of small businesses across the United States.
Funding options built to work for you.
Two direct funding products, one dedicated specialist, zero middlemen.
Merchant Cash Advance
Receive a lump sum of capital upfront and repay through fixed daily, weekly, or monthly payments automatically debited from your business account. Approval is based on your revenue — not just your credit score. Fast, flexible, and built for businesses that need capital now.
- Fixed daily, weekly, or monthly payments
- Approval based on revenue, not just credit
- Funds in as fast as 24 hours
Business Term Loan
Fixed payments over a predictable schedule. Ideal for expansion, equipment, or refinancing.
- Fixed weekly or monthly payments
- Terms from 6 to 24 months
- Use for any business purpose
See why business owners choose us.
Built by operators who understand what working capital really means.
Easy process
Apply directly with no middleman. One specialist owns your file from application to funding.
Same-day funding
Get funds as soon as 24 hours after approval, wired straight to your business account.
No hard credit pulls
Check your eligibility without affecting your credit score. Apply with confidence.
What can you do with funding from Workable Funding?
From day-to-day operations to long-term growth — put capital to work where your business needs it.
- Purchase inventory
- Stabilize cash flow
- Cover payroll
- Upgrade equipment
- Expand or renovate
- Hire more employees
- Launch marketing campaigns
- Consolidate business debt
Funding that moves at your speed.
Three simple steps. One specialist. Real money in your account fast.
- 1
Complete the application
It takes just minutes. No paperwork, no obligation, no impact to your credit.
- 2
Get a decision
Work with a dedicated funding specialist who structures an offer that fits your business.
- 3
Receive your funds
Sign electronically and get funded the same day, wired straight to your business account.
Are we a match? Check our minimum requirements.
Straightforward criteria. If you meet these, you're a strong candidate for funding.
Estimate your payments in seconds.
Adjust the sliders to see what your funding could look like. No commitment, no credit impact.
Factor rates vary based on your business profile. Most approvals fall between 1.18 and 1.45.
This calculator provides estimates only. Your actual offer may vary based on your business profile, revenue, and credit history. Workable Funding will provide your exact terms upon approval.
Get My Real Offer — Apply Now →Ready to Get Funded?
A 2-minute application. Real decisions, same day.
We're fluent in small business — and ready to take your call.
Since 2024 our New York-based funding specialists have helped hundreds of small businesses get the capital they need — fast. No brokers. No runaround. Real money in your account.
Monday–Friday, 9am–7pm ET
Frequently Asked Questions
Straight answers about merchant cash advances, eligibility, and how Workable Funding works.
What is Workable Funding?
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Workable Funding LLC is a direct merchant cash advance funder based in New York City. We provide fast business funding from $10,000 to $2 million with same-day decisions and no broker fees.
How fast can I get funded?
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Most businesses receive a decision the same day they apply and funds are wired within 24 hours of approval.
Do you fund all industries?
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Yes. We fund restaurants, retail, trucking, medical practices, construction companies, and most other industries across all 50 states.
What are your minimum requirements?
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You need at least 6 months in business, a business checking account, $15K or more in monthly revenue, and a 500+ personal FICO score.
Are you a direct funder or a broker?
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Workable Funding is a direct funder. We underwrite and fund deals ourselves with no middlemen, which means faster decisions and better terms for your business.
How do ISOs and brokers partner with Workable Funding?
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ISOs and brokers can register through our ISO Partner portal at workablefunding.com/iso-partners to start submitting deals and earning competitive commissions.
"Trusted by thousands of business owners like you."
Over 500 small and medium businesses funded across all 50 states since 2024.
Are you an ISO or broker? Partner with us.
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