Business Funding
in 24 Hours
Quick and flexible advances — based on your revenue, not your credit score. Get funded fast and repay through your daily sales.
Why Peak Financial for your business needs?
You get capital now and repay it through a small, fixed percentage of your daily sales. If you earn less, you pay less.
Fast & Simple Process
Apply in minutes and get funded within 24–48 hours. No banks. No delays.
Flexible Repayment
Pay back through a small, fixed percentage of your daily sales. If you earn less, you pay less.
All Business Types Welcome
From restaurants and contractors to online stores — we fund what others won't.
No Collateral. No Hidden Fees.
Transparent terms. No surprises. We win when you grow.
Getting funded is easy.
Apply in minutes.
We help small and mid-sized businesses unlock working capital — without the red tape. Simple application. Fast decisions.
1 min
Initial estimate
Estimate for how much funding you could get.
3 min
Apply online
Simple form. No impact on your credit score.
24 hrs
Receive funds
We will provide multiple offers to choose from.
Who we fund?
Whether you're a contractor, retailer, restaurateur, or eCommerce seller — we're your funding partner, with a system that moves as fast as your business.
Merchant business
$10,000+ monthly revenue
Electronic payments
Estimate your cash advance.
Frequently asked questions.
Peak Financial delivers fast, flexible funding solutions designed for growth-minded business owners. Whether you're looking to bridge cash flow gaps or scale operations, our funding programs are built for real-world needs. Our most popular offerings include:
- • Revenue-Based Financing
- • Working Capital Advances
- • Business Lines of Credit
- • Short-Term Business Loans
- • Equipment Financing
- • Receivables Financing
Start by clicking Apply Now to begin our secure online application. You'll verify your email, provide some basic business details, and securely upload recent bank statements. In most cases, you'll begin receiving financing offers within 24 hours.
- • Your business earns at least $10,000/month in verifiable revenue
- • Minimum 600+ credit score preferred, but not required
- • At least 6 months in business
- • Any prior bankruptcies must be discharged for at least 12 months
- • Business must be active and in good standing with the Secretary of State
- • Bank account verification via Plaid™ or last 3 months of statements
We fund most industries, but the following are not eligible:
- • Illegal gambling
- • Political campaigns
- • Financial institutions or direct lenders
No. Submitting an application triggers a soft credit pull only, which does not impact your credit score.
We give you access to capital within 24 hours, with no prepayment penalties and flexible terms. Whether you're hiring staff, buying equipment, running ads, managing seasonal demand, or funding a new opportunity—Peak Financial gives you the speed and support to move forward with confidence.
Still have questions? Let's talk. We're happy to walk you through the details and help you find the right solution.
Trusted by thousands of merchants.
“The bank said no. Peak Financial said yes. I had cash in 36 hours — and opened my second shop two months later.“
Chicago
“Peak Financial didn't care about my credit score. They looked at my actual business. That made all the difference.“
Austin
“The bank said no. Peak Financial said yes. I had cash in 36 hours — and opened my second shop two months later.“
Miami
“The bank said no. Peak Financial said yes. I had cash in 36 hours — and opened my second shop two months later.“
Denver
“The bank said no. Peak Financial said yes. I had cash in 36 hours — and opened my second shop two months later.“
Phoenix
Don't just take our word for it.
See how other merchant business owners have used Peak Financial funding to grow their business.
Customers get funded with Peak Financial more then once
Ready to Grow?
Apply now and get a funding decision today.