Capital Minutes — Working capital, funded fast

Working capital, funded fast.

Funding small businesses up to $5M in working capital. Fast approvals. Wired in 24 hours.

Get pre-qualified See how it works
✓ No credit impact ✓ 2-min application ✓ Funded in 24 hours
Pre-approved
You're pre-qualified for
$1,250,000
Fast approvals · Flexible terms
Adjust amount
$50K $5M
Monthly
$78,571
Term
18 mo
Numbers shown are illustrative only. Actual offers depend on business qualification and underwriting.
Funding businesses across every industry
Restaurants Retail Construction Healthcare Manufacturing Hospitality Logistics Auto Restaurants Retail Construction Healthcare Manufacturing Hospitality Logistics Auto
By the numbers

Built on a track record of real funding.

$350M
Funded directly to small businesses since 2017
4,000+
Businesses funded across all 50 states
7hr
Average time from application to funded
98%
Customer satisfaction, three years running
Why Capital Minutes

Everything you need to grow.

Fast approvals
Skip the mountains of paperwork. We move quickly so you can focus on running your business.
No credit impact
Pre-qualifying takes 2 minutes and never affects your business or personal credit score.
Funded in 24 hours
Decisions in 4 hours. Once approved, funds wire to your business account the same day.
No collateral required
Working capital funding doesn't require equipment, real estate, or personal guarantees.
Nationwide funding
Funding small businesses in all 50 states across every major industry.
Real humans answer
Talk to a real person. Not a chatbot, not a queue, not a "your call is important" loop.
More products

Funding for every stage.

Revenue-Based Financing

Get funded against your future revenue. Repayments flex with your sales — pay more on strong months, less when things slow.

Up to $2M % of revenue

Term Loans

A lump sum with predictable monthly payments. Best for expansion, hiring, or major equipment purchases with clear ROI.

Up to $3M 1–5 years

Equipment Financing

Fund the tools, vehicles, and machinery your business needs — using the equipment itself as collateral for better terms.

Up to $2M 1–7 years

Bridge Financing

Short-term capital to bridge a gap. Cover a payroll cycle, close a deal, or fund operations while waiting on receivables.

Up to $1M 30–180 days
How it works

Three steps. Real fast.

1 Apply
2 minutes. No credit pull.
Tell us the basics about your business. We don't need tax returns, and there's no impact to your credit score.
2 Underwrite
We review quickly.
Your business gets reviewed on what actually matters — revenue, cash flow, history. Not a black-box algorithm. Decisions in hours, not days.
3 Funded
Money in your account.
Once approved, funds wire to your business account the same day. Most clients see funds within 24 hours.
"

Capital Minutes funded our second location same day. The application took fifteen minutes and they actually picked up the phone when I called.

M
Maria Holloway
Owner, Holloway & Co. Bakery

We needed to make payroll during a slow month — Capital Minutes had the funds in our account before the end of the day. Straightforward, no runaround, no hidden fees.

R
Ricky Alvarez
Owner, Alvarez Auto Body

I've worked with three other funding companies. Capital Minutes is the first one that actually understood my business before writing an offer. Terms fit our seasonal cash flow.

S
Sarah Chen
CEO, Meridian Landscaping

Applied on a Tuesday, funded Wednesday afternoon. Used the capital to stock inventory before a big trade show — doubled our Q4 revenue. Worth every dollar.

D
David Okonkwo
Founder, Okonkwo Wholesale
Ready when you are

Get funded. Today.

See how much your business pre-qualifies for. Less than two minutes.

Start your application Talk to our team