A Bun In The Oven

Q: How do I qualify for funding?

Our goal is to make qualifying simple. Basic requirements vary by product, but generally we look for a few months of business history and a steady revenue stream. You don’t need perfect credit – we evaluate the health and potential of your business as a whole. In most cases, you won’t need to put up collateral (unless you’re specifically seeking a collateralized loan for a larger amount). If you’re not sure you qualify, apply anyway – it’s free to submit an application, and there’s no obligation. We’re happy to review your info and find a solution if we can.

Q: How fast can I get the money?

Super fast! Many of our clients get Funded in as little as 24 hours. Once approved, funds can be in your bank account by the same business day. We know that when your business needs cash, time is critical. That’s why we’ve streamlined everything to be as quick as possible – no unnecessary delays. You get approved fast and funded even faster, so you can put the money to work right away.

Q: Do I need collateral or a high credit score?

No for most of our programs. A great thing about our financing is that no collateral is required for our standard line of credit, revenue-based financing, or credit card split advances. We also work with all kinds of credit profiles – you don’t need a perfect score. Our approval decisions focus on your business’s revenues and overall performance. Only if you choose a collateralized loan would we secure the funding with an asset, which can help you get a bigger loan or better rate. But that’s optional and up to you. Bottom line: we welcome businesses that might not qualify for traditional bank loans.

Q: What can I use the funds for?

Anything your business needs! Once you’re approved, the money is yours to fuel your business growth. Common uses include increasing inventory, making payroll, opening a new location, buying equipment, launching a marketing campaign, or simply having extra working capital for peace of mind. We won’t restrict how you use the funds – our goal is to empower you to run and grow your business as you see fit.

Q: Will applying affect my credit score?

No, applying will NOT hurt your credit score. Our initial application process uses a “soft” credit inquiry and primarily focuses on your business information (such as revenue) to pre-qualify you. Soft inquiries do not impact your personal credit score. Only if you decide to move forward with an offer and give your consent would a full credit check occur, and we’ll let you know beforehand. In short, there’s zero risk to checking your funding options with us – so why not give it a try?

Empower Growth with Fast Flexible Funding

Get the capital your business needs with a simple application process. Quick approvals, flexible terms, and funding you can count on.

Funded

$ 0 B+

Avg. approval

0 hrs

Businesses

0 +

Quick & Easy

How It Works

Getting funded shouldn't be complicated. We’ve streamlined our process into three simple steps:

01

Quick Application

Fill out our quick, one page application It’s easy and takes just a few minutes with no effect on your credit score

test2

02

Fast Approvals

get approved in as quick a 30 minutes .

Receive a decision quickly. Our team reviews your application and provides personalized options.

03

Get Funded

get access to capital within less then 24 hours

Once approved, funds can be deposited directly into your business account in as little as 24 hours.

Funding Options

Our Financing Solutions

Our system evaluates your business in real time and presents the most favorable financing options for your situation. We maintain a vetted network of strategic partners who know how to support growing companies. As the lending environment changes, we stay ahead of the curve to ensure you always get matched with solutions that make sense for your business .

Business Line of Credit (LOC)

A revolving credit line that gives you ongoing access to funds. You get approved for a credit limit, and you can draw money whenever you need it – whether it's to cover a surprise expense or seize a growth opportunity. You only pay interest on what you use, and as you repay, those funds become available to borrow again. It’s a flexible safety net for managing cash flow, making it perfect for everyday working capital needs.

Revenue-Based Financing

Get a lump sum of cash now in exchange for a small share of your future revenue. Instead of fixed payments, you repay by paying a percentage of your monthly sales. During slower months, you pay less, and during busy months, you pay a bit more – keeping payments comfortable and in line with your business’s performance. This option gives you growth capital without the pressure of large monthly bills, so you can focus on increasing your revenue. It’s financing that truly flexes with your business.

Collateralized Loans

Leverage your assets (equipment, property, etc.) to secure a larger loan or lower rate. Collateralized loans are great for businesses that have valuable assets and need a big boost of funding for major projects or expansion. By pledging collateral, you can often borrow more money at a more affordable cost. Don’t worry – our team will help you determine what qualifies and guide you through the process. You still get a quick approval and fair terms, with the added benefit of using your assets to fuel your business’s growth.

Credit Card Processing

We make accepting payments easy and affordable. Our processing solutions reduce fees, speed up settlements, and integrate with most POS and ecommerce platforms. Better processing keeps more money in your pocket and gives your business the cash flow it needs to scale

Why Choose Us

The ON Point Difference

Join the many business owners who have fueled their dreams with our financing. We’re committed to your success – and it shows in everything we do.

We know you have choices for business financing. Here’s what sets us apart:

Fast & Easy Process

Speed matters. Our application is simple and online, and approvals are lightning-fast – often in under 24 hours. When you need funding, we move quickly so you can seize opportunities without delay.

Flexible Financing Options

Every business is different, so we provide multiple funding solutions. Whether you need the ongoing flexibility of a credit line, the convenience of revenue-based payments, or another approach, we have you covered. Borrow on your terms and get a solution that truly fits your needs.

Transparent, Honest Terms

No hidden fees, no last-minute surprises. We pride ourselves on clear, upfront pricing for all our financing options. You’ll know exactly what your cost of capital is before you sign anything. Borrow with confidence, knowing there’s nothing lurking in the fine print.

Small Business Friendly

We specialize in helping small and medium-sized businesses. That means we look beyond just credit scores – we consider your overall business health. Even if a bank has turned you down, we may still have an approval for you. Most of our programs don’t require collateral or a perfect credit history. We’re here to give more businesses a “yes.”

Dedicated Support

We’re more than just a funding provider – we’re your partner in growth. Our friendly funding specialists are here to guide you at every step, from application to funding and repayment. Have a question or concern? You can talk to a real person who understands your business. We succeed when you succeed, and we’ll do everything we can to help your business thrive.

Frequently Asked Questions

What types of financing do you offer?

We offer a variety of financing solutions, including business lines of credit, revenue-based financing, collateralized loans, and credit card split funding. Each product is designed for different needs – whether you want ongoing access to cash (line of credit), a repayment that flexes with your sales (revenue-based or credit card splits), or a larger loan using collateral. We’ll help you choose the best option for your business.

How do I qualify for funding?

How fast can I get the money?

Do I need collateral or a high credit score?

What can I use the funds for?

Will applying affect my credit score?

Get Started Today