Fast working capital — no nonsense

Fund your next move in as little as 24 hours.

Simple application. Real humans. Flexible options built for the everyday hustle — from merchant cash advances to term loans and lines of credit.

Start Application See Options
Average decisionSame-day
Funding speed24–48 hrs
Min. time-in-biz6+ months
Trusted by businesses across retail, trucking, construction, restaurants, and more.

Get a free funding quote

No obligation • Soft credit pull • Won’t affect your score

By clicking, you agree to be contacted by Flip Finance and partners via phone, SMS, and email. This is not a commitment to lend. Subject to underwriting approval.

Funding that fits your flow

We’ll help you pick the right product for your cash-flow rhythm.
Fastest

Merchant Cash Advance (MCA)

Flexible remittances tied to your daily/weekly sales. Great when speed matters most.

  • $5k – $750k typical amounts
  • Funding: 24–48 hours
  • 6–18 month terms equivalent
Lower cost

Term Loan

Fixed payments and clear payoff timeline for expansion, equipment, or refinancing.

  • $25k – $2M
  • Terms up to 60 months
  • Monthly payments
Flexible

Business Line of Credit

Draw when you need it, pay interest only on what you use. Perfect for seasonality.

  • $10k – $500k
  • Revolving access
  • Same-week setup
Not sure which one is right?
Answer 6 quick questions and we’ll recommend a fit.
Get tailored options

How it works

Transparent, fast, and human. Here’s the playbook.

1Apply online
2–3 minutes. Basic business info and 3–6 months of bank statements.

2Review options
We shop a curated lender network and send you clear choices.

3Select & sign
E-sign documents securely from any device.

4Get funded
Receive capital via ACH — often within 24–48 hours.

Real-world wins

A few ways clients put capital to work.

Restaurant build-out

$120k to expand seating and upgrade kitchen equipment before the holiday rush.

Trucking fleet repairs

$65k to get two trucks back on the road within days and avoid lost contracts.

E-commerce inventory

$90k for bulk inventory ahead of a seasonal spike to increase margins.

“Flip Finance made it painless. Applied Monday, funded Tuesday. Clear terms and solid communication.” — R. Patel, Retail Owner

FAQ

Straight answers to common questions.
Will applying affect my credit?

Initial reviews typically use a soft pull that does not impact your score. A hard pull may occur later in the process and will be disclosed before proceeding.

How fast can I receive funds?

Once your application is complete and approved, funding can occur in as little as 24–48 hours, depending on product and bank cut-off times.

What are the costs?

Costs vary by product, term, and risk profile. We present options side-by-side so you can compare total payback, estimated APR/Factor, and fees before you decide.

Do you work with my industry and state?

Most likely. We’ll confirm eligibility during review. Some restricted industries/states may apply based on lender rules.