Business funding, the straight way
Funding to fuel your business.
One short application. Real funding options from independent providers. No cost to apply, no impact to your credit.
- No cost to apply
- No impact to your credit score
- Funding options in as little as 24 hours*
- Providers in all 50 states
*Timing depends on the provider and your documents.
How it works
Three steps. About three minutes.
- 1
Answer a few questions
Tell us what you need and a little about the business. No documents, no credit pull.
- 2
Get matched
We route your request to independent funding providers that work with businesses like yours.
- 3
Talk to a specialist
A funding specialist calls to walk through your options. You decide.
Step 1 of 13
How much funding does your business need?
Pick the closest amount. Most owners start around 10% of annual revenue.
Who we are
A square deal for business owners.
Square Deal Funding is a matching service, not a lender. We built one short application that goes to a hand-picked network of independent funding providers — so you compare options instead of filling out five forms and taking five credit pulls.
We work mostly with the trades and other real-world businesses: contractors, trucking, restaurants, shops, clinics. If you have steady deposits and six months in business, there is usually an option.
Short-term loan
A lump sum paid back over months to about two years. Common for working capital, inventory, and marketing.
Learn moreLine of credit
A revolving limit you draw from when you need it. You pay interest only on what you use.
Learn moreEquipment & vehicle financing
The equipment itself is the collateral, so your cash stays free for everything else.
Learn moreMerchant cash advance
Not technically a loan — a purchase of future receivables with a fixed payback, repaid daily or weekly.
Learn moreBuilt for businesses that build things.
- Roofing
- HVAC
- Plumbing
- Electrical
- Landscaping
- Trucking
- Restaurants
- Retail
- Auto repair
- Medical & dental
Don't see yours? Most businesses with six months of deposits qualify.
Frequently asked questions
Is this a loan from Square Deal Funding?
No. Square Deal Funding is a marketing and referral service. We match you with independent funding providers. We are not a lender, broker, or bank, and we do not make credit decisions or set terms.
Does applying affect my credit?
No. There is no hard credit pull to see your options — the application asks you to estimate your credit band. If you move forward, a funding provider may run a check before funding, and they will ask for your permission first.
How fast can I get funded?
Many providers can review and decide the same day once they have your business bank statements, and some fund within about 24 hours. Timing depends entirely on the provider and how quickly you send documents.
What do I need to qualify?
Most providers in our network look for at least six months in business, a business bank account, roughly $10,000 or more in average monthly deposits, and the owner of the business applying. If you are not there yet, we tell you on the spot instead of collecting your details.
What documents will a provider ask for?
Usually three to four months of business bank statements and a photo ID. Larger requests can bring additional questions about your business, but statements do most of the work.
Can I get funding with bad credit?
Often, yes. Many providers in this space weigh consistent business deposits more heavily than a personal credit score. Credit still affects which options and pricing you see.
What does a merchant cash advance cost?
An advance is priced with a factor rate rather than an interest rate: you agree to repay a fixed total that is larger than the amount advanced, through daily or weekly debits. Because the total is fixed, paying it off early does not usually reduce what you owe. Ask any provider for the total payback amount in dollars before you sign. We do not set or quote pricing.
How do you make money?
Funding providers pay us a referral fee when we send them a qualified business. It does not change the offer you receive, and we never charge you anything to apply.
See your options in about three minutes.
No cost. No credit impact. No obligation.