Fast, Flexible Capital
for Ambitious Businesses
Access $10K to $5M in working capital without the bank delays. Elite Funding Solutions connects high-growth businesses with our network of 50+ elite lenders — funded in 24 to 72 hours.
No obligation • No hard credit pull • Results in minutes
Metro Flooring Co. received $180,000 — today at 2:14 PM
Trusted by businesses featured in
Funding Solutions
The right capital for every stage
Whether you need fast working capital or long-term financing, we have a product built for your business.
Merchant Cash Advance
Up to $2M • 3 to 18 months
Advance against future receivables. Pay back as a percentage of daily revenue — no fixed monthly payments.
- Based on revenue, not credit
- Daily or weekly remittance
- No collateral required
Working Capital Line
Up to $500K • Revolving
Draw what you need, when you need it. Replenish as you pay down. Perfect for seasonal cash flow gaps.
- Draw on demand
- Pay interest only on drawn amount
- Reusable credit line
Equipment Financing
Up to $5M • 24 to 84 months
Finance the equipment your business needs. The equipment itself serves as collateral — no lien on your business.
- Equipment-secured only
- Preserve working capital
- Potential tax advantages
Invoice Factoring
Up to $2M • Per invoice
Turn outstanding invoices into immediate cash. Fund up to 90% of eligible receivables within 24 hours.
- Up to 90% advance rate
- No debt on balance sheet
- Same-day funding available
The Process
From application to funded in days
We've removed every unnecessary step. Most businesses get funded in under 72 hours.
Apply in minutes
Complete our secure online application. Tell us about your business, revenue, and how you plan to use the funds. No hard credit pull required.
Upload your documents
Securely upload your last 3 months of bank statements, a voided check, and your driver's license. That's it for most approvals.
Receive your offer
Our underwriting team reviews your file and returns an offer within 4 hours during business days. We shop your deal across 50+ funding partners.
Get funded
Review and e-sign your contract. Funds are wired directly to your business account — often the same day you sign.
Eligibility
Simple qualifications, fast approvals
We focus on your business performance, not just your credit score. If your business generates consistent revenue, you likely qualify.
What we consider
Industries Served
We fund businesses across every sector
From restaurants to SaaS companies, we've built funding products for the way your business actually works.
Why Elite Funding
Built for business owners, not spreadsheets
Speed that matches your urgency
We understand that business opportunities don't wait. Our team works around the clock to return decisions in hours, not days.
Transparent terms, zero surprises
Your factor rate, payback amount, and payment schedule are disclosed before you sign. No hidden fees, no prepayment penalties on most products.
A dedicated funding advisor
You're assigned a real advisor — not a bot. They'll guide you through every step and advocate for the best offer on your behalf.
50+ lenders competing for your deal
We submit your file to our entire network and let lenders compete. You get the best rate the market will offer — not just the first one back.
Minimal documentation
For most approvals, we only need 3 months of bank statements, a voided check, and ID. No tax returns, no business plans, no collateral.
Renewals that reward loyalty
Once you're 50% paid down, you become eligible for renewal at improved terms. Our best clients fund multiple times a year.
Client Stories
Real businesses, real results
“I applied on a Tuesday morning and had $75,000 in my account by Thursday afternoon. The advisor walked me through every term and the process was completely transparent. I've renewed twice since.”
“After three banks turned me down because I'd only been in business two years, Elite Funding had an offer in six hours. The working capital funded an equipment purchase that doubled my service capacity.”
“We use Elite Funding for our seasonal inventory purchases. The process is so streamlined now that it takes less than a day from request to funded. It's become a core part of our cash flow strategy.”
FAQs
Common questions answered
How is a merchant cash advance different from a loan?
An MCA is a purchase of future receivables, not a loan. There are no fixed monthly payments, no interest rate, and no set maturity date. You repay as a percentage of daily revenue, so payments naturally flex with your business.
What documents do I need to apply?
For most approvals, we only need your last 3 months of bank statements, a voided check, and a copy of your government-issued ID. Some larger amounts or certain industries may require additional documentation.
Does applying affect my credit score?
No. We perform a soft credit pull during the application review process, which does not affect your credit score. A hard pull is only performed if and when you accept a funded offer.
How quickly can I get funded?
Most approved businesses receive funding within 24 to 72 business hours of signing their contract. Many clients receive same-day funding.
Can I qualify with bad credit?
Yes. While we do review your personal credit, it's not the primary factor. We focus heavily on your business's monthly revenue and banking activity. We fund businesses with credit scores as low as 500.
Can I have more than one advance at a time?
We can work with certain stacking situations depending on your current balance and revenue. If you have existing advances, disclose them on your application — our team will structure an offer accordingly.
Get Started Today
Ready to fund your next
growth milestone?
Join over 12,000 businesses that have trusted Elite Funding Solutions to fuel their growth.
No obligation • No hard credit pull • Decisions in hours