Extend your runway. Fund what's next.
Fast, flexible business funding based on your cash flow — not your collateral. Get approved in 24 hours, funded in as little as 48.
Trusted by over 12,000 small businesses across the US
Funding in three steps. No surprises.
Apply in minutes.
Tell us about your business and last 3 months of bank statements. No tax returns, no collateral, no hoops.
Get matched, fast.
Our team reviews your application and matches you with the right product — usually within a few hours.
Get funded.
Approved offers can be funded in as little as 48 hours, straight to your business account.
Funding built around how your business actually works.
Working Capital Loans
Flexible funding from $5K to $500K, repaid from your daily cash flow.
Learn moreShort-Term Business Loans
Fixed-term funding from 3 to 24 months for clearly defined needs.
Learn moreEquipment Financing
Fund the equipment your business needs to grow — equipment is the collateral.
Learn moreBusiness Lines of Credit
Revolving access to capital. Draw what you need, pay interest only on what you use.
Learn moreWe fund Main Street.
From the corner restaurant to the regional contractor, we work with the businesses that keep America running.
Why business owners choose us.
Speed that matches your business.
Most lenders are built around the bank's timeline. We're built around yours. Apply today, see offers within hours, funded in days.
Real humans, not just algorithms.
You'll work with a dedicated funding specialist who actually understands your industry. Not a chatbot, not a call center.
Funding that fits.
We're not a one-product shop forcing every business into the same loan. We match you with the right product — even if that means recommending a competitor.
Real businesses. Real runway.
"We had a chance to take on a big catering contract but didn't have the cash for the upfront food costs. Merchant Runway funded us in two days. That contract turned into our biggest year ever."
"I'd been turned down by three banks. Merchant Runway looked at my actual cash flow and got us funded the same week. Bought the second truck, doubled our routes."
"What I appreciated was the honesty. They told me a line of credit made more sense than a term loan for our situation. Most lenders would have just sold me whatever was on their menu."
Ready to extend your runway?
Find out what you qualify for in under 5 minutes. No commitment, no hard credit check, no hassle.