Funded directly. Underwritten in minutes.

Connect your bank once and every option is on the table, whether that's revenue-based financing, an SBA loan, a line of credit or equipment financing.

Start my application Connect your bank instead

Soft pull only. Nothing to print or upload. Answers within 24 hours.

Your file, step by step example
Bank connectedYour bank, read only
PoseidonAI underwriting Reading deposits
Breakdown and approval sentYour numbers, and every amount and term you can take
Wired $175,000 The amount and term you picked, in your bank
total time 4h 12m
How much do you need?$175,000
Start my applicationor see what the payments look like
  • Bank-level encryption
  • We never see your login
  • Read-only access
  • Soft pull only
550+

Businesses funded

3+

Years in business

$ 16M+

Capital deployed

5.0

How it works

Three steps to funding.

No fax machines, no branch visits. A short application, underwriting that runs the moment your file lands, and a wire to your bank.

  1. Apply and connect your bank

    Apply in less than 2 minutes.

    Who you are, your business, how much you need. Then sign in to your bank once, read only, with nothing to dig up or upload.

  2. Example file

    Reading 2 accounts, 14 months. Avg monthly deposits $48,200. Deposit consistency strong. Fits revenue-based financing, line of credit. Breakdown drafted, offers sent.

    PoseidonAI, our AI underwriting

    Underwritten in minutes.

    PoseidonAI reads your cash flow the moment your file lands, then sends your breakdown and your offers.

  3. Example

    Wired

    $175,000

    To
    Checking ending 4821
    Sent
    Mon 2:40 PM

    Pick your terms, get wired

    Funds wired directly to your account, typically within 24 hours.

    Choose the amount, the term and weekly, biweekly or monthly payments. Sign, and the money lands in your bank.

From application to wire.

One file, underwritten the moment it lands. Here is what a quick one looks like, hour by hour.

Bigger requests and SBA take longer, and you know how long before you start.

Example file Monday

  1. Mon 9:02 AM

    Application submitted

  2. Mon 9:03 AM

    Bank connected, PoseidonAI starts reading

  3. Mon 9:40 AM

    Breakdown and approval in your inbox

  4. Mon 12:10 PM

    You pick $175,000 and your term

    Signed by 12:15

  5. Mon 2:40 PM

    Wired to your bank

Wired

Calculator

See what the payments look like.

Amount$75,000
Your paymentsestimate

About $1,192 weekly, $2,385 biweekly, $5,167 monthly

Shown at a 1.24 factor over 18 months.

Real terms come from your file, after underwriting.

See all my options

Google reviews

5.027 reviews on Google
“Can't thank Alec and Poseidon enough for their top notch service and execution at a time when it was much needed!”
Cassidy Hart, Google review
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Products

What we offer

SBA Loans

Government-backed, so you get lower rates and longer terms than most business loans. Best for established businesses ready to invest in growth.

See details

Real Estate Loans

Buy, refinance, or build out commercial property. The real estate secures the loan, so you get larger amounts and competitive rates.

See details

Equipment Financing

The equipment you're buying secures the loan, so no extra collateral is needed. Spread the cost and keep your cash free.

See details

Lines of Credit

Draw what you need, when you need it. You only pay interest on what you use. The credit replenishes as you repay.

See details

Invoice Factoring

Sell your unpaid invoices and get 80% to 95% of the value upfront. Stop waiting 60 days for customers to pay.

See details

Revenue-Based Financing Funded by us

A lump sum now, repaid as you earn. Payments that flex with your sales.

See details

Credit Card Processing

Accept every major card in-store, online, or mobile. Competitive rates, transparent fees, fast setup.

See details

Purchase Order Financing

Got a big order but not enough cash to fill it? We pay your supplier directly so you can deliver and get paid.

See details

Personal Loans

Borrow on your personal credit, no business credit history required. Fast funding for sole proprietors who need to move quickly.

See details

Everything you need to know before applying

Frequently asked questions

What do I need to apply?

A short application and 4 months of business bank statements. That's it. The whole process takes about 2 minutes.

Why not just go to a bank?
  • Speed. Banks take weeks. Answers within 24 hours. Most files funded in 24 to 48 hours.
  • Approval odds. Banks reject most small businesses. We approve a much wider range of credit profiles and revenue levels.
  • Flexibility. $10K to $5M, no restrictions on use. Banks rarely go that low or move that fast.
  • Less paperwork. A short application and a few months of bank statements. No 50-page packages.
Will this affect my credit score?

Our initial review is a soft pull, which does not impact your credit. A hard inquiry only happens if you move forward with an offer, and we let you know before that step.

How much can I get?

Anywhere from $10K to $5M depending on your monthly revenue, time in business, and credit profile. We'll tell you what you can get before you commit to anything.

Do I need good credit?

Not necessarily. We work with a wide range of credit profiles. Revenue and business health matter more than your FICO score in most of our programs.

What if I already have an existing advance or loan?

That's fine. We work with businesses that have existing positions all the time. Our underwriting accounts for current obligations and finds options that make sense on top of what you already owe.

Is my information secure?

Yes. All data is transmitted over encrypted connections and we never share your information with third parties without your consent. We're not a lead generator, we're a direct funding partner.

Ready to get funded?

Answers within 24 hours. Most files funded in 24 to 48 hours.

Start my application or call (646) 347-6468