Funding
Working capital from $10K to $500K.
Funding based on how your business actually performs: your deposits, your history, and the story behind them.
We buy a share of future receivables
eFin pays you a lump sum now in exchange for an agreed portion of your business's future receivables.
You deliver it from deposits
An agreed amount is collected from your business deposits until the purchased amount is delivered.
The cost is fixed up front
Your agreement states the total amount to be delivered before you sign. It does not compound.
Requirements
- 6+ months in business
- $100,000+ in annual revenue
- A business checking account
- A US-based business
Questions
Is this debt?
No. eFin purchases a portion of your future receivables. It is not a loan, and the agreement says so plainly.
How much can my business get?
Between $10,000 and $500,000, based mainly on your monthly deposits and time in business.
Will applying affect my credit?
Applying does not involve a hard credit inquiry.
How fast is funding?
Most complete files get a decision the same business day, and funds usually arrive 24–48 hours after you sign.
What do I need to apply?
About 10 minutes, your business and owner details, and either a secure bank connection or your last 4 months of business bank statements.
How is the cost set?
Every offer states a fixed total amount up front, along with the payment schedule and any early-payoff terms.
Do you work with brokers?
Yes. ISOs and referral partners can send merchants with a tracked link or apply on their behalf.
See the partner programIndustries we fund
Retail & Online Stores
- Retail shops & boutiques
- Online stores & e-commerce
- Mail & phone order sellers
- Clothing & apparel
- Cannabis & CBD dispensaries
- Furniture & home furnishings
- General merchandise & discount stores
- Florists & garden centers
- Liquor & wine stores
- Jewelry, gift & specialty shops
- Electronics & cell phone stores
- Wholesale & distribution
Food & Beverage
- Restaurants & cafés
- Fast food & quick service
- Pizzerias & delis
- Coffee & tea shops
- Bakeries & dessert shops
- Bars & nightlife
- Catering
- Food trucks & carts
- Supermarkets & grocery stores
- Convenience stores
- Specialty food shops & markets
Construction & Contractors
- General contractors
- Heavy & civil construction
- Specialty trade contractors
- Electricians
- HVAC
- Plumbers
- Painters
- Roofing
- Flooring & tile
- Windows, doors & siding
- Home improvement & remodeling
Home & Property Services
- Landscaping & lawn care
- Cleaning & janitorial services
- Pest control
- Pool services
- Moving companies
- Handyman & repair services
- Locksmiths & security systems
- Junk removal
- Dry cleaners & laundromats
Auto & Transportation
- Auto repair & body shops
- Car washes & detailing
- Tire & auto parts shops
- Towing & roadside assistance
- Vehicle & equipment rental
- Taxis, limos & shuttles
- Medical transportation
- Air charter & aviation services
- Warehousing & storage
Professional & Business Services
- Law firms & legal services
- Accounting, bookkeeping & tax prep
- Architecture & engineering
- Consulting
- Staffing & recruiting
- Payroll & HR services
- Business support & administrative services
- Scientific research & technical services
- Insurance agencies & brokers
Media, Tech & Marketing
- Software & app companies
- IT services & managed support
- Web design & development
- Data processing & hosting
- Newspaper, magazine, book & online publishers
- Radio & television broadcasting
- Film, video & music production
- Advertising & marketing agencies
- Telemarketing & call centers
- Printing & signage
Healthcare
- Medical practices & physicians
- Dental practices
- Chiropractors, optometrists & other practitioners
- Clinics, urgent care & outpatient centers
- Nursing & residential care facilities
- Home health care
- Rehab & physical therapy
- Pharmacies
- Medical labs & imaging
- Mental health & counseling
- Veterinarians & animal hospitals
Beauty, Fitness & Personal Services
- Beauty salons
- Barbershops
- Nail salons
- Spas & massage
- Tanning studios
- Gyms & fitness studios
- Yoga, pilates & dance studios
- Pet grooming & boarding
- Pet shops
- Tailors, alterations & shoe repair
- Funeral homes
Education, Care & Community
- Daycare & childcare centers
- Schools, tutoring & test prep
- Trade & vocational schools
- Music, art & language schools
- Driving schools
- Non-profit organizations
- Religious & civic organizations
- Professional & trade associations
Hospitality, Events & Recreation
- Hotels & motels
- Inns & bed-and-breakfasts
- Travel agencies & tour operators
- Event venues & banquet halls
- Event planning & party rentals
- Photographers & videographers
- Theaters, studios & entertainment venues
- Amusement & recreation centers
- Fishing & boating charters
Manufacturing, Energy & Agriculture
- Manufacturing
- Machine shops & metal fabrication
- Aerospace & aviation parts
- Solar installation
- Electric, gas & energy services
- Gas stations & fuel delivery
- Oil & gas services
- Mining & quarrying
- Waste management & recycling
- Farms & agriculture
- Forestry & logging
…and many more. Don't see yours? Apply anyway or call us.
Industries we don't fund
- Trucking and freight hauling
- Auto sales and used-car dealers
- Real estate investing, development and flipping
- Cash-advance and finance companies, check cashing, pawn shops, debt collection and debt consolidation
- Banks, credit card and investment firms
- Vape shops
- Adult entertainment
- Gambling and casinos
- Firearms and weapons
- Cryptocurrency
- Nutritional supplements
- Home-based sole proprietorships
This list changes from time to time. If you are not sure, call us before you apply.