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Working capital for owner-operators

The advance a small shop actually asks for.

We buy a slice of your future receivables at one fixed cost. From $100 to $5,000.

No fee to ask, and no effect on your score

$100 to $5,000
$2,500

By continuing you agree to our Terms and Privacy Policy. Nothing is submitted until you review the full request.

Application
2-3minutes
Decision
Minutesnot days
Funds
Next dayonce approved
States served
48of 50

Checking your options does not affect your score.

The product

What you are actually agreeing to.

A purchase, not a repayment plan.

An advance is a purchase. We buy a set share of the receipts your business is going to take anyway, and pay you for them today. There is no interest rate, no term running against you and nothing to renew at the end of it.

Advance range

$100 to $5,000

The whole product. This market usually starts at ten thousand, which is the amount nobody running one till has ever asked for.

One fixed cost

Agreed before you accept, and it never moves after that. A dollar figure rather than a rate, so it cannot compound.

An owner counting the week's takings beside an open planner

Remittance follows revenue

A small fixed share of daily receipts. A slow week takes less than a busy one.

One lump sum

The whole advance lands in your business account at once, and what it buys is your decision, not a condition of the offer.

Nothing to renew

When the agreed amount has been remitted, it is finished. No rollover, no automatic renewal, and no offer you have to remember to decline.

Commercial use only

An advance funds the business, not the household. Available in 48 states, and not offered in California or New York.

Three steps, one of which is waiting.

  1. 01

    Request

    Set the amount and answer nine questions. Two to three minutes, and there are no documents to dig out first.

  2. 02

    Review

    We read the last three months of receipts through a read-only bank connection. Nothing to scan, nothing to post.

  3. 03

    Funded

    Accept the offer and the money moves. As soon as the next business day for most approved requests.

Where we fund

Available in forty-eight states.

Wherever your business takes money over a counter, a card reader or a van window. Availability and terms still depend on your own receipts.

Revenue-based funding is regulated state by state, and California and New York run their own rules for it, so it is not offered there.

West12

  • Alaska
  • Arizona
  • Colorado
  • Hawaii
  • Idaho
  • Montana
  • Nevada
  • New Mexico
  • Oregon
  • Utah
  • Washington
  • Wyoming

Midwest12

  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Michigan
  • Minnesota
  • Missouri
  • Nebraska
  • North Dakota
  • Ohio
  • South Dakota
  • Wisconsin

South16

  • Alabama
  • Arkansas
  • Delaware
  • Florida
  • Georgia
  • Kentucky
  • Louisiana
  • Maryland
  • Mississippi
  • North Carolina
  • Oklahoma
  • South Carolina
  • Tennessee
  • Texas
  • Virginia
  • West Virginia

Northeast8

  • Connecticut
  • Maine
  • Massachusetts
  • New Hampshire
  • New Jersey
  • Pennsylvania
  • Rhode Island
  • Vermont

Being in a state where funding is available is not an approval on its own. Every request is verified before an offer is made.

Next to the thing it is not.

The question

A BetterFunds advance

A typical fixed-term plan

What it is

A purchase of a set share of your future receivables

A sum advanced against a fixed repayment schedule

What the price is called

One fixed cost, in dollars, agreed before you accept

An interest rate, usually expressed as an APR

What you remit

A small share of daily receipts, collected automatically

A fixed instalment on a fixed date

A slow week

Remits less, because it is a share of what you took

The instalment is the same as any other week

When it ends

The day the agreed amount has been met. Nothing renews

At the end of the term, or when it is refinanced

A general comparison of two products, not advice about which one suits your business.

What has to be true first.

All five, before a request is worth making. There is no score check in here and no personal guarantee to sign.

Trading for 3 months
From the first day you took money, not the day you registered.
$5,000 a month in revenue
Deposits, card settlements and cash takings together. It does not have to be profit.
A business bank account
In the business name, at a US bank, with the last three months of statements available.
Based in one of 48 states
We fund everywhere except California and New York.
Using it for the business
Stock, payroll, repairs, a bill that came early. Not personal or household spending.

Meeting all five is not an approval. Every request is verified before an offer is made.

Who is usually on the other end.

Owner-operated businesses that take money over a counter, a card reader or a van window. If your trade is not listed, it is not a rule against it.

  • Cafes and coffee bars

  • Independent retail

  • Salons and barbers

  • Auto repair

  • Trades and contracting

  • Grocery and convenience

  • Gyms and studios

  • Food trucks and vans

The kind of week this is for.

Restock the shelvesCover payroll on a short weekFix the walk-in freezerPay a supplier depositRepair the delivery vanTake the bulk-order discountBridge a late invoiceReprint the menu boardsReplace the card terminalCover rent on a slow month

What happens to what you hand over.

Read-only bank access

We look at balances and deposits to confirm what your business takes. The connection cannot move money, and it can be revoked from your bank at any time.

No effect on your score

Asking is not an application to a reporting bureau. If a funder runs its own check before making an offer, it tells you before it does it.

One list, one unsubscribe

Email about your request, and about funding, only if you asked for it. Every message carries a working opt-out and it is honoured on the first click.

BetterFunds never asks for a fee in advance in exchange for a promise of funding, and never sells your information as a standalone product.

Questions

Everything people ask before they apply.

What exactly is an advance?

It is the purchase of a portion of your future receivables. You get a lump sum today and remit an agreed share of what you take from then on, until the agreed amount is met. It is a sale, not a repayment schedule.

What does it cost?

One fixed dollar figure, agreed before you accept anything. It is not an interest rate, it does not compound, and it does not change if the advance takes longer to remit than expected.

Will this affect my score?

Making a request does not affect your score. A funder may run its own checks before making an offer, and it will tell you before it does.

How fast does the money arrive?

Most approved requests get a decision within minutes and funds as soon as the next business day. Verification of your bank statements is the step that decides the pace.

What happens in a slow week?

Remittance is a share of what you take, so a quieter week remits less than a busy one. There is no fixed monthly instalment to miss.

Do I have to put up collateral?

Nothing is pledged to BetterFunds. Where a third-party funder provides the financing, its own agreement sets out any security it asks for, and you see that agreement in full before you sign it.

Which states can apply?

Forty-eight. This product is not offered in California or New York, and availability and terms vary elsewhere by state.

Who actually funds the advance?

BetterFunds connects qualifying businesses with funding partners. Where a partner provides the financing, that partner's Revenue Purchase Agreement governs the transaction and BetterFunds is not a party to it.

The week does not wait for a committee.

Two to three minutes to ask, minutes to hear back, and the money as soon as the next business day.

Request funding