Funding decisions today
See what your business can access today.
Working capital from $10,000 to $500,000 for businesses that keep America moving. Revenue-based approvals, transparent terms, money in the account in as little as 24 hours.
You could access up to
$60,000
Typical range $20,000 to $60,000
Estimate only, based on revenue. Actual offers depend on underwriting, time in business and product. Equipment financing available up to $1M. Not an offer of credit.
- Same-day decisions
- Funds in as fast as 24 hours
- Soft pull to apply
- Terms in writing before you sign
Funding options
Capital shaped to the way your business gets paid.
One application. Four structures. An advisor who explains the trade-offs, so you pick what actually fits the cash flow.
Merchant Cash Advance
Capital based on your revenue, not your credit score.
- Amount
- $10K to $500K
- Funding
- 24 hours
- Credit
- 500+
Business Line of Credit
Draw what you need. Pay for what you use.
- Amount
- $10K to $250K
- Funding
- 1 to 3 days
- Credit
- 600+
Equipment Financing
The equipment is the collateral. Keep your cash.
- Amount
- $15K to $1M
- Funding
- 2 to 5 days
- Credit
- 580+
Business Term Loans
A lump sum with a fixed payment and a clear finish line.
- Amount
- $25K to $500K
- Funding
- 2 to 7 days
- Credit
- 620+
How it works
From application to wire in three moves.
No branch visits. No 40-page packet. No waiting three weeks to hear no.
- 01
Apply in two minutes
Tell us about the business and connect or upload 3 to 4 months of bank statements. Soft credit pull only.
2 minutes
- 02
Get real options, same day
A funding advisor reviews your cash flow and comes back with offers across products, not just one.
Same business day
- 03
Sign and get funded
Pick the structure that fits, e-sign, and funds are wired, usually within 24 hours.
As fast as 24 hours
- $500K
- Working capital, up to
- 24h
- Fastest funding time
- 500+
- Credit scores considered
- 4
- Funding products
Equipment financing up to $1M
From signed agreement to wire
Revenue-first underwriting
One application, multiple offers
Why AXIS
Fast is table stakes. Clear is the difference.
Most funding sites are a form that sells your file to twelve brokers. AXIS is one advisor, one file, and terms you can read.
Revenue-first underwriting
We read bank statements, not just credit reports. Strong deposits can outweigh a rough score.
One advisor, every product
You get one person who knows your file and shops it across MCA, lines, equipment and term structures.
Plain-English terms
Total payback, factor rate or APR, payment schedule and prepayment terms in writing before you sign anything.
Built for the next round
Renewals, limit increases and better pricing as you build history with us.
Industries
Built for the trades that run on cash flow.
We fund the businesses that get paid late and pay early: fuel today, invoice in 45 days.
Trucking & Logistics
Keep the wheels turning between invoices.
Funding for TruckingRestaurants & Food Service
Fund the slow season before it starts.
Funding for RestaurantsContractors & Construction
Start the job before the draw clears.
Funding for ContractorsRetail & Storefronts
Stock the shelves for the season that pays the year.
Funding for RetailMedical, Dental & Wellness
Grow the practice without waiting on reimbursements.
Funding for MedicalE-commerce & Online Sellers
Buy inventory at the pace your ads can sell it.
Funding for E-commerceStraight answers
Questions owners ask before they apply.
How fast can my business get funded?
Most applications get a decision the same business day. Once you accept an offer and sign, funds are typically wired within 24 hours, occasionally 48 hours for larger amounts or equipment deals.
What do I need to qualify?
At minimum: 6+ months in business, roughly $10,000+ in monthly revenue, and a business bank account. We look at revenue and cash flow first, so credit scores as low as 500 can still qualify for some products.
Does applying affect my credit?
Applying triggers a soft inquiry only, which does not affect your score. A hard pull happens only if you accept an offer that requires one, and we tell you before that step.
What documents are required?
For most products under $150K: a one-page application and your last 3 to 4 months of business bank statements. Larger amounts or term loans may need a tax return, P&L or equipment quote.
Is this a loan?
It depends on the product. A merchant cash advance is a purchase of future receivables, not a loan. Lines of credit, equipment financing and term loans are loans. All products are for business purposes only. AXIS Capital does not offer consumer credit.
Can I pay it off early?
Yes. Most term loans and lines of credit allow early payoff, and many advances offer a prepayment discount if you settle early. Terms are stated in your offer before you sign.
From the blog
Read before you sign.
Factor rates, holdbacks, renewals, credit: the parts other lenders keep vague.
Ready to see your numbers?
Two-minute application. Same-day decision. Funding in as little as 24 hours.
Soft credit pull. No obligation. No impact to your score.