Business funding broker
Capital that fits the payment you can actually carry.
We arrange working capital for small businesses through our partner network, help consolidate stacked daily or weekly payments, and work with funders who will consider a rough payment history.
- Soft check only, no hard pull
- No application fee
- Same-business-day response
Illustration of our process, not a real file.
- Soft check only, no hard credit pull
- No application fee to see options
- Terms up to 24 months, depending on the funder
- One person start to finish
What we arrange
Three ways we can help.
Whether you need capital to grow, relief from stacked payments, or a second look after a rough stretch, we take your file to funders who fit it.
Working capital
Merchant cash advanceFunding against your revenue for payroll, inventory, equipment, materials, or the gap while customers pay slowly.
- Daily or weekly payments
- Terms up to 24 months
- Decisions usually same day
Consolidation
Combine stacked positionsPaying two, three, or four advances at once? We work to combine them into one longer-term position.
- Aims to lower your daily or weekly payment
- Side-by-side cost in writing
- Try the example calculator
Past defaults or payment issues
Rough payment historyA prior default or past payment issues doesn't automatically rule you out. Some funders will consider it.
- Funders who review these files
- Honest read on your options
- No promise of approval
How it works
From first call to terms in writing.
No mystery steps. You know where your file is and what happens next.
Send your numbers
The form, a call, or a text. To price anything real we need your last four months of business bank statements and a short application.
We take it to underwriting
Your file goes to our underwriting team, then to funders we know will price it seriously. It's a soft check, with no inquiry on your credit.
You see the real terms
Amount, term, payment, and total cost in writing. If the numbers don't help you, we'll say so rather than push you into a deal.
Funding
If you decide to move forward, funding often lands within 24 hours of signing, depending on the funder and your bank.
Why TrueRate
Straight answers, from one person, fast.
Funding is a big decision for a small business. We keep it transparent, so you can make it with the real numbers in front of you.
Broker transparency
We're a broker, and we say so up front. You see the amount, term, payment, and total cost in writing before you sign anything.
A partner network
We work your file in-house and place it with funders we have relationships with, rather than sending it everywhere at once.
Same-business-day response
Send your numbers and you get a call or an email back the same business day.
Honest when it's not a fit
If the numbers don't help you, we'll say so. And if you qualify for a bank loan, we'll tell you to take it.
Before you spend time on an application
Who this fits, and who it doesn't.
Usually a fit
- Six months or more in business
- Steady deposits into a business account
- Already carrying daily or weekly payments
- Credit that banks turned down
- Need an answer in days, not weeks
Usually not a fit
- Currently in default on an advance
- Startups with no revenue history
- Frequent negative balance days
- Looking for a term of three years or longer
- Looking for the cheapest money on the market. If you qualify for a bank loan, we'll tell you to take it
Straight answers
Common questions.
Are you a broker or a direct funder?
We're a broker, and we'll tell you that up front. Whoever you talk to, it's fair to ask whether they're a broker or the funder. We work your file in-house and place it with funders we have relationships with, rather than sending it everywhere at once.
Will this hit my credit?
No. Seeing your options is a soft check. There's no hard pull and no application fee.
How fast can it fund?
Decisions usually come back the same day once we have statements and the application. Funding often lands within 24 hours of signing, though that depends on the funder and your bank.
What do you need from me?
Four months of business bank statements and a one-page application. If we ask for anything sensitive later, it goes through the secure application, never a plain email.
Apply
See what your options look like.
Takes a minute. Nothing happens to your credit. You get a call or an email back the same business day.
Start with your numbers
Takes a minute. Nothing happens to your credit.