Direct funder · Not a marketplace

Click.Approved.Funded.

Funding up to $250,000, underwritten on your real revenue instead of your credit score alone. We put up the capital ourselves.

No hard credit pull to get started. No collateral required.

What to expect
A decision in hours
Automated underwriting reviews your revenue in real time, not on a committee's schedule.
Up to $250,000
Advance size is set by your monthly revenue and time in business.
Plain terms
One factor rate, one remittance schedule. Nothing that appears later.
2hAverage approval time
88.4%Approval rate
11KMerchants funded
✓Miami Restaurant · Funded ✓Dallas Auto Group · Funded ✓NYC Wholesale Co · Funded ✓Phoenix Med Spa · Funded ✓Chicago Logistics · Funded ✓Atlanta Contractor · Funded ✓Houston Trucking · Funded
How it works

Three steps from application to funds in your account.

No funding committees, no underwriter backlog. An automated pipeline reviews your revenue and returns a decision the same business day.

A two-minute form. No SSN required to start and no hard credit pull. Your business basics are enough for us to begin.

No documents needed to begin

Our underwriting engine reads your revenue and cash flow directly rather than leaning on a credit score. That is what makes a decision in hours possible.

Typically three months of bank statements

Review the offer, sign digitally, and funds move by ACH or wire. Same-day funding is available on applications completed before noon.

ACH or wire transfer
Estimate

See your offer before you apply.

Adjust your monthly revenue, time in business and credit score. The model estimates what you would qualify for, your factor rate and your weekly remittance.

Monthly revenue$40K
$10K$300K+
Time in business3 Years
6 Months10 Years+
Credit score (est.)650
500850
Calculating live
Estimated advance
$27,248
Factor rate
1.41
Total payback
$38,459
Weekly remittance
$1,109/wk
Est. term
~8 Months
Approval confidence71%

Estimates are illustrative. Actual offers are subject to underwriting review.

Why Click2Fi

Built for businesses the banks keep sending away.

We are the funder, not a broker passing your file around. That means one underwriting standard, one set of terms, and one company accountable for the outcome.

Underwriting on revenue

Our models read thousands of data points across your revenue history rather than a single credit score. Businesses that look weak on paper often do not look weak in their deposits.

Renewal-ready

At 50% repaid you qualify for a new advance. The relationship is built for ongoing working capital, not a single transaction.

Transparent terms

One factor rate and one remittance schedule, stated up front. Trust is the currency this business runs on.

Clients

What funded businesses say.

“The funding experience was fast and easy. Shout out to Kelly for making this happen.”

Karl Griffin
Virginia

“Very competitive terms compared to what I've seen, 5 star from me!”

Garret Bolton
Louisiana

“My second time taking a deal with them and there will be a third and fourth for sure!”

Donna Lodden
Tennessee

“Fast and easy is the best way to describe the process. Really happy!”

Craig Mann
Oklahoma