Access capital in 2–3 hours.
Direct access to lines of credit, term loans, and merchant cash advances for growing businesses. No hurdles, no hidden fees — just institutional-grade capital.
2–3 hrs
Avg. approval time
Up to $5M
Funding limit
Soft pull
Credit inquiry only
4 products
Tailored to your needs
Funding Products
Tailored capital structures
Whatever stage you're at, there's a funding path built for your cash flow and goals.
Business Line of Credit
Flexible access to capital whenever you need it. Draw, repay, and reuse — only pay for what you use.
Term Loan
A lump sum of capital with predictable repayments over 6–60 months for planned growth.
Merchant Cash Advance
Funding based on future sales. Repayments flex with your daily revenue.
Direct Funds
Fast-track bridge capital for immediate inventory, equipment, or opportunity.
How It Works
From application to capital — fast.
Apply in minutes
Complete one short application and securely upload your documents — no paperwork mailing, no branch visits.
AI-powered underwriting
Our engine analyzes your bank statements and business profile to deliver an accurate decision fast.
Get funded
Receive a firm offer and access capital in your account in as little as 2–3 business hours.
Why InvestaCap
Capital you can trust, handled securely.
We've removed the friction of traditional lending while holding ourselves to institutional security standards.
Start your applicationBank-grade encryption
Your documents are protected with AES-256 encryption in transit and at rest.
Soft credit check
Checking your eligibility never impacts your personal credit score.
Same-day decisions
Most applicants receive a firm offer within a few business hours.
Transparent terms
No hidden fees. You always see exactly what you'll pay before accepting.
Ready to fund your next move?
Apply in minutes and get a decision today. No obligation, no impact on your credit score.
Apply for Funding