Standby Capital
Our product

Straightforward funding, clearly defined.

We'd rather tell you exactly what we look for than waste your time. If your business fits the profile below, there's a very good chance we can fund it.

The product
Funding amount$10,000 – $100,000
Typical term4 – 10 months
PaymentsAutomatic daily or weekly ACH
CostOne fixed payback amount, stated upfront
Early payoffDiscounted: pay early, pay less
CollateralNo personal real-estate collateral required
A good fit looks like
  • U.S.-based business, about a year or more in operation
  • Roughly $20,000+ in monthly revenue through your business bank account
  • Most industries considered — retail, services, medical, restaurants, e-commerce and more
  • Owners with less-than-perfect credit are welcome to apply — we underwrite the business, not just the score
$20k+
Monthly revenue
1+ year
In business
500+
Credit scores considered

These are guidelines, not walls. Strong businesses just outside them get funded regularly — and unlike funders who advertise "no minimums," we'd rather you know where you stand before you apply.

Funding calculator

See what your business could qualify for.

Enter your average monthly revenue and we'll show you an estimated funding range. No credit check, no contact info, nothing submitted — the math happens right here on the page.

$
$
$25,000 – $45,000

Estimated funding range based on revenue alone.

Estimates only, based on our typical pricing range. Actual offers depend on underwriting review of your bank activity, time in business, and industry. This is not an offer of financing.

Ready for an exact offer?

Email us and a decision-maker will get back to you — usually the same business day.

Apply for funding
Applying? Attach your last 4 months of business bank statements to speed things up.