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  • Cashflow Financing

Cashflow Financing That Moves as Fast as You Do

Need cash in your business account—fast? Our cashflow financing program is built to deliver funding in as little as 24 hours, with flexible terms and no collateral required. Whether you’re covering payroll, buying inventory, or navigating an unexpected expense, Small Biz Heroes makes it simple.

Bad credit? Just getting started? You still have options.

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Fast Funding, Flexible Terms

Amount

$5K – $5M

Term Length

3 – 36 months

Credit Pull

Soft (won’t impact your score)

Closing Time Frame

As fast as same day

Why Choose Cashflow Financing?

Same-Day Approvals Available

Get approved and funded in under 24 hours.

Bad Credit? You could still qualify.

Low credit or no credit history? You may still qualify.

High Approval Rates

95% of our applicants get approved..

Early Payoff Options

Save with early prepayment incentive options if you pay off early.

When Is Cashflow Financing the Right Fit?

Cashflow financing loans are ideal when your business needs short-term flexibility without the hassle of traditional bank lending.

Use your funds for:

  • Managing cash flow during seasonal dips
  • Covering unexpected expenses or repairs
  • Purchasing inventory or supplies
  • Handling payroll or operational costs
  • Marketing your business
  • Bridging the gap to conventional financing
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Documents We’ll Need

Our process is simple, and we only ask for what’s essential:

One page credit application

4 months of business bank statements

Government-issued photo ID

Voided check or bank letter

Financial statements & tax returns (for requests over $100K)

Speak to a Funding Specialist

FAQs

Cashflow financing is short-term business funding designed to cover everyday operational costs or seize time-sensitive opportunities without tapping into long-term reserves. You receive a lump sum based on your recent revenue, then repay it over a set term or through flexible payments tied to your sales.

It’s ideal for expenses like payroll, inventory, rent, marketing campaigns, or taking advantage of bulk-purchase discounts. It can also help bridge gaps while waiting for large customer payments or during seasonal slowdowns.

Most lenders look at your average monthly revenue, time in business, cash flow, and credit history. Strong revenue matters more than perfect credit — businesses with FICO scores as low as the 500s can often qualify.
Typically up to 1–2 times your average monthly revenue. For example, if you do $50,000/month in sales, you might qualify for $50,000–$100,000.
Many cashflow financing programs are unsecured, meaning no business or personal assets are required. Higher loan amounts or better rates may require collateral.
With a complete application and recent bank statements, funding can happen in as little as 24–72 hours.
Costs are usually a flat fee or factor rate (e.g., 1.35 means you repay $135 for every $100 borrowed). This is different from an interest rate and may not include early payoff discounts unless negotiated.
Repayments can be fixed daily/weekly amounts or a set percentage of your sales. The structure depends on your lender and what works best for your cash flow.
Most programs don’t report to personal credit bureaus unless you default. Lenders may run a soft credit pull during approval to review your profile.
If your lender reports to the business credit bureaus and you make on-time payments, this type of financing can strengthen your business credit profile — making it easier to qualify for more funding later.

Typically:

  • Last 3–6 months of business bank statements
  • A short application form
  • Proof of business ownership (sometimes tax returns for larger approvals)
  • To fund short-term growth opportunities with a high return on investment
  • To cover expenses while waiting for large payments
  • When you need fast funding and don’t qualify for traditional bank loans
  • If your profit margins are thin and payments would strain cash flow
  • If you’re using it to cover ongoing losses without a plan to turn things around
  • If you already have multiple short-term loans draining daily cash