Your Bank Said No. Your Business Didn't Stop.
4 quick questions, and we match you with the lenders competing for your business — funded in as fast as 1 hour.
Funding Approved on Revenue, Not Credit Score
Traditional banks approve loans based on credit score and collateral. We approve funding based on one thing: does real money move through your business account. If your business has been open 4+ months, generates at least $3,000/month, and doesn't have excessive overdrafts, you can qualify — even with a credit score in the 500s, even with no collateral, even after a bank said no. Most business owners get a decision within 1 business day. Funds can arrive in as little as 1 hour after final approval — compared to 30+ days for a typical bank loan. We work with small business owners who have strong monthly revenue but don't fit what a traditional bank is looking for. As a certified independent broker with David Allen Capital (DAC), we connect you directly to their revenue-based funding programs — most businesses see funds in as fast as 1 hour, usually within 1 business day.
From Application to Funded in 4 Steps
Answer 4 quick questions about your business
Get matched to the funding program that fits
Upload documents and get your offer
Accept and receive funds — often same day
Five funding options we match you against.
We match you with lenders who offer the right product for your situation — no guesswork, just a clean match.
Giggle Instant Approval
Same-day funding up to $10,000 for newer or self-employed businesses. No hard credit minimum — approval based on revenue.
BankBreezy FlexRate
Funding up to $2,000,000 for businesses with $15,000+ in monthly revenue, 6+ months operating history, and a 550+ credit score.
BankBreezy CoreRate
Our lowest-cost funding tier, up to $2,000,000, for businesses with $15,000+ in monthly revenue, 2+ years operating, and 685+ credit.
Business Line of Credit
Revolving credit from $6,000-$150,000. Only pay on what you draw — unused credit costs nothing.
Canada Funding
Funding up to $500,000 for Canadian business owners with 6+ months operating and $10,000+ in monthly revenue.
Find the funding tier that fits
We structure funding in three brackets so you get the working capital your business needs without borrowing more than you should.
Up to $10,000
Starter
$3,000+ monthly revenue, newer businesses, personal bank accounts
Up to $2,000,000
Growth
$15,000+ monthly revenue, 6+ months in business, 550+ credit
Up to $2,000,000
Established
$15,000+ monthly revenue, 2+ years in business, 685+ credit
Find Out What You Qualify For — Takes About 2 Minutes
No paperwork up front. No hard credit check to start.
Straight answers on funding
Quick answers to the questions we hear most.
What credit score do I need to qualify?
It depends on the program. Our Giggle Instant Approval funding has no hard credit minimum since approval is based on revenue, not score. BankBreezy FlexRate works with scores as low as 550, and CoreRate, our lowest-cost option, requires 685+.
How fast can I get funded?
Most business owners get a decision within 1 business day, and funds can arrive in as little as 1 hour after final approval — this holds across our funding programs, unlike the 30+ days a typical bank loan can take.
Do I need collateral to apply?
No. None of our funding programs — Giggle, BankBreezy FlexRate/CoreRate, our line of credit, or Canada funding — require collateral. Approval is based on business revenue, not personal assets.
How much can I qualify for?
Our BankBreezy FlexRate and CoreRate programs fund up to $2,000,000, depending on your monthly revenue and credit profile. Our Giggle program is available for businesses with as little as $3,000 in monthly revenue, with the funding amount calculated as a percentage of that revenue.
Will checking my eligibility hurt my credit score?
No. The initial 4-question eligibility check is based on self-reported information and does not require a hard credit inquiry. Our Giggle program does run a hard credit inquiry later, as part of final underwriting, once you've accepted a specific offer.
Is this a loan?
It's revenue-based funding, not a traditional term loan — repayment on programs like Giggle and BankBreezy is a fixed daily or weekly draft instead of a monthly payment, which is part of why approval is faster and more flexible than a bank.
Still have questions?
Send us a message. We respond within 24 hours.
Send us a message
Send us a message. We respond within 24 hours.