Business funding, redefined
Cretifi Capital connects small businesses with fast, flexible funding solutions — up to $2M, approved in as little as 24 hours. No bureaucracy. No runaround. Just capital.
We've removed the complexity from business funding. From application to cash in your account — straightforward, transparent, fast.
Complete our simple online application. No lengthy paperwork, no tax returns, no collateral required. Takes under 10 minutes.
Our team reviews your application and matches you with the right funder — often within hours of submission, same business day.
Once approved, capital is deposited directly into your business account — often the same or next business day.
We come from the funding industry. We know what merchants need — and we've built Cretifi around that knowledge.
We evaluate your business cash flow, not just your FICO score. Most merchants qualify — even those who have been declined elsewhere.
Submit your application and hear back the same day — often within just 2–4 hours. We respect your time.
We walk you through every number before you sign. No hidden fees, no surprises — ever. You'll always know exactly what you're getting into.
You get a real person — not a chatbot. Your dedicated advisor guides you from application through renewal and beyond.
Hundreds of businesses have chosen Cretifi as their funding partner. Here's what some of them have to say.
"We needed capital fast to cover payroll during a slow season. Cretifi had us funded in under 48 hours. No other lender came close."
"I'd been turned down by three banks. Cretifi looked at my actual revenue and approved me the same day. Game changer for my business."
"The transparency was what got me. They showed me every number before I signed anything. That kind of honesty is rare in this industry."
Join hundreds of businesses that chose Cretifi as their funding partner. Apply in minutes.
Cretifi Capital was built by people who spent years on the funding side — underwriting deals, working with merchants, and watching the industry fall short of what small businesses actually need.
Most small businesses interact with capital providers who see them as transactions. We built Cretifi to be different — a brokerage where every merchant gets real guidance, real transparency, and real support.
We leverage our deep relationships with top funders across the country to get our clients the best possible terms — fast. We don't just submit deals. We advocate for our merchants.
Whether you need $10,000 to cover a slow month or $2 million to scale aggressively, Cretifi structures the right funding for your specific situation.
Every term, every fee, every number — explained clearly before you sign anything.
Decisions in hours, funding in days. We know your business can't wait.
We represent you to funders — not the other way around.
We only recommend funding that genuinely makes sense for your business.
Apply in minutes and hear back from a real advisor the same day.
We've stripped the complexity out of business funding. Here's exactly what happens from the moment you apply to the moment capital hits your account.
Our online application takes under 10 minutes. We ask for basic business information — no tax returns, no business plans, no collateral details required at this stage.
A Cretifi advisor reviews your application the same day — often within 2–4 hours. We then match you with the right funder from our network based on your industry, revenue, and funding needs.
Once you've selected your offer, we'll need a few standard documents to finalize the deal. This is the only paperwork stage — and we make it as painless as possible.
Your advisor walks you through every term before you sign — factor rate, holdback percentage, estimated payback period. Once you sign, capital is typically deposited within 1 business day.
We work with funders across the country to offer a range of products tailored to different business needs and situations.
A lump sum of capital in exchange for a percentage of future sales. Repayment is automatic — tied to your daily revenue, so you pay more when business is good and less when it's slow.
Fixed daily or weekly payments over a set term. Predictable repayment schedule — ideal for businesses with consistent cash flow who want certainty in their payments.
Similar to an MCA but based on total monthly revenue rather than just card sales. Ideal for businesses with diverse income streams or high bank deposit volume.
The application takes under 10 minutes. Decisions same day.
Fill out the form below and a Cretifi advisor will be in touch within hours — often the same day. No commitment required to apply.
Whether you have questions about the process, want to discuss your options, or are ready to apply — our team is available and ready to talk.
Fill out the form and a member of our team will respond within one business hour.