Business funding · $10K – $5M+
Mon–Sat, 8am–8pm ET
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Small business funding · $10K – $5M+

Real terms, in writing, the same day you apply.

$10K to $5M+ for established businesses. Send three months of bank statements and you'll have the amount, the payment and the total cost in front of you before you commit to anything — not after.

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Prefer to send statements straight over? Message on WhatsApp.

No application feeNothing is charged before you are funded.
No credit pull to applySeeing your options leaves your score untouched.
One point of contactWhoever you speak to first handles your file throughout.
Your file is not shoppedNothing goes to another desk without your approval.
Funding solutions

Eight ways to put capital into your business

Which one fits depends on your revenue, your timeline and what the money is for — that's a conversation, not a form. Here is the range we place.

Working Capital

Funding set against your monthly deposits. The fastest option here and where most files start. There is no hard ceiling — if the revenue carries it, we place well past seven figures.

$10K – $5M+ · 3 to 18 months

Business Line of Credit

Draw what you need, repay it, draw again. You only pay for what you actually use.

$10K – $2.5M · Revolving

Business Term Loans

A fixed amount at a fixed payment over a fixed term. Predictable and easy to plan around. Larger facilities are available where the financials carry them.

$25K – $15M · 1 to 5 years

Invoice Factoring

Advance against invoices already issued. Built for businesses waiting on 30, 60 or 90-day terms.

Up to 90% of invoice value

Equipment Financing

Trucks, machinery, kitchen build-out, medical equipment. The asset itself carries most of the weight.

$15K – $1M · 2 to 7 years

SBA Loans

The lowest cost on this page and the longest paperwork. Worth it when your timeline allows.

$50K – $5M · Up to 25 years

Commercial Real Estate

Purchase, refinance, or a bridge while longer-term financing is arranged.

$100K – $5M

Payment Consolidation

Several payments leaving the account each week, restructured into one. Not always the right call — we'll be honest about when it isn't.

Reviewed case by case
Industries

We know how your cash actually moves

A trucking company waiting sixty days on a broker and a restaurant with a slow February have completely different problems. Underwriting that treats them the same gets both of them wrong. The general requirement is six months in business and roughly $15,000 a month in deposits.

Trucking & Logistics
Construction
Contractors & Trades
HVAC, Plumbing & Electrical
Restaurants & Food Service
Auto Repair & Body Shops
Retail & E-commerce
Healthcare & Medical
Dental Practices
Staffing Agencies
Manufacturing
Wholesale & Distribution
Beauty & Wellness
Landscaping & Snow Removal
Cleaning & Janitorial
Not listed? Ask.
Our commitments

Five things we won't do

You have probably taken calls from a dozen people this month. These are the specific ways this is different, and they are all things you can hold us to.

We won't add to a position that is already too heavy

If several payments are already leaving the account each week, more capital usually accelerates the problem rather than solving it. We will say so, and then talk through what the actual options are.

We won't charge anything upfront

No application fee, no processing fee, no good-faith deposit. Anyone in this industry asking for money before you have been funded should be treated with suspicion.

We won't bury the cost in the documents

Total payback, payment amount, frequency and early-payoff terms are presented on one page before signing. When a number is hard to find, that is usually deliberate somewhere else.

We won't circulate your file

The reason your phone rings for weeks after applying somewhere is that your information was sent to dozens of desks. Yours goes nowhere without your explicit approval.

We won't leave you waiting on an answer

If the answer is no, you will hear it quickly and you will hear the reason — which is often something specific and fixable. Either way you can get back to running the business instead of waiting on a callback.

Why businesses work with us

Built around one relationship, not a call center

A real person reads your file

Statements are reviewed by someone who understands what a seasonal dip looks like versus a business in trouble. The difference matters and software routinely misses it.

Approvals the same day

A complete file submitted in the morning generally has terms back the same afternoon. Larger or more complex files can take an extra day — you will be told which yours is at the start.

Funds the next business day

Once terms are signed, funds are wired directly to your business account, in most cases within one business day.

Imperfect credit is workable

Past defaults, tax liens and a discharged bankruptcy are not automatic declines. What matters far more is what the deposits look like now.

Renewals get better, not worse

Once you are roughly halfway through, additional capital is generally available — usually at a larger amount and a lower cost than the first time.

Straight answers, including no

Sometimes the right advice is to wait a quarter, or to fix one thing first. You will get that answer even though it does not pay us anything today.

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About

You'll be dealing with me

“Most people reach me having already been through this once somewhere else — the fees that appeared late, the file that got shopped, the four calls a day for a month afterwards. So I built this the opposite way. One number, real terms in writing, and an honest answer even when the honest answer is no.”
Jack Founder, Jack's Got Cash
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Contact

Let's talk about your funding

Send this over and you will hear back the same day with a realistic range and what is needed to firm it up. No credit pull, no fee, and you will not be added to a list.

Mon–Sat, 8am–8pm ET WhatsAppSend statements directly EmailAttach statements and we'll review today

Received

Thank you — we will come back to you shortly. If it is urgent, calling is faster than anything.

No credit pull and no fee. By submitting, you agree we may contact you by phone, text and email about this request.

Common questions

What business owners ask first

How long does approval take?
A complete file — the application plus three months of statements — submitted in the morning generally has terms back the same afternoon. Larger amounts or files with more moving parts can take an extra day, and you will be told that at the start rather than after.
What documents do you need?
The application on this site and your last three months of business bank statements, downloaded as PDFs from your online banking with all pages included. That is enough for real terms. If you move forward, a driver's license and a voided check are also needed. No tax returns, no business plan, no projections.
Will applying affect my credit score?
Not to see your options — that review is a soft inquiry and leaves your score untouched. A hard inquiry only happens once you have seen terms and asked to proceed, and you will be told before it happens.
My recent months have been uneven. Is that a problem?
Usually not. A slow season, a handful of NSFs, a negative day — files with all of those get funded regularly. What matters more is that deposits are consistent and the account is not running at zero every day. It is worth submitting rather than deciding in advance that it is a no.
What does it cost?
That depends on revenue, time in business, and what is already outstanding. Anyone quoting a rate before seeing a statement is guessing in order to keep you on the phone. What is guaranteed here is that the total payback, payment amount, frequency and early-payoff terms are presented in writing before anything is signed.
Can I still get funding if I already have some outstanding?
Often, yes. One or two existing positions with revenue that supports them is routine. If there are four and the account is under real pressure, adding a fifth is not help — that is the point at which consolidating what is already there into a single payment is the conversation worth having instead.
Is my information secure?
The application is transmitted over an encrypted connection and comes directly to us. It is not sold, and it is not distributed to other funding desks without your explicit approval.
Can I pay it off early?
Yes, and it is usually worth doing. Early payoff terms are set out in writing with your offer, so you can see exactly what settling ahead of schedule saves you before you sign.
Ready when you are

See what you qualify for

Four minutes to apply, no fee, and no impact on your credit score to find out.

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Funding application

About four minutes to complete

This comes directly to us as a completed PDF. It is not sold and it is not sent to other funding desks without your approval. Attach three months of bank statements if you have them to hand — if not, submit now and send them by email or WhatsApp afterwards.

0% complete

Application received

Thank you. Your file will be reviewed and you will have real terms back today. A copy of your completed application has downloaded to your device for your records.

Call now Send statements on WhatsApp
1Business information

As it appears on your bank account and filings.

2Funding request

Approximate figures are fine — the statements confirm the rest.

3Ownership

Required for anyone holding 20% or more of the business.

4Banking & statements

Three months of business bank statements is the single thing that produces real terms. Download them as PDFs from online banking — all pages, not screenshots.

Attach bank statements & documents
PDF, JPG or PNG · click to choose files · up to 15 MB total

If your statements exceed 15 MB, submit the application anyway and send the files by email or WhatsApp — both are on the confirmation screen.

5Authorization & signature

Worth reading — it is short.

By signing below, the undersigned ("Applicant") certifies that all information provided in this application is true, complete and correct, and that the undersigned is an authorized owner or officer of the business named above with authority to submit this application on its behalf.

Applicant authorizes Jack's Got Cash and its funding partners to obtain business and personal credit reports, bank verifications, background checks and any other information deemed necessary to evaluate this request, and to share the information in this application with prospective funding sources for that purpose. Applicant understands that a credit inquiry may be made in connection with this request.

Applicant authorizes Jack's Got Cash to contact the undersigned by telephone, text message and email at the numbers and addresses provided, including by automated means, regarding this application. Consent is not a condition of any transaction and may be revoked at any time.

This application is a request only. It is not a commitment to fund, and no offer exists unless and until final terms are presented and executed in writing by all parties. Amounts, terms, payment frequency and cost are determined by underwriting and vary by applicant.
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Signed

Submitting sends the completed application directly to us. A copy downloads to your device at the same time.

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