Revenue-based funding from $10K to $25M. No credit checks. No personal guarantees. No hard pulls. Built for businesses that need capital, not red tape.
No credit checksNo personal guaranteesSame-day available
Funding Overview
Funding Range$10K – $25M
Approval Speed24–72 hrs
Rate Starting At1% / mo
Personal GuaranteeNot required
Credit CheckNot required
Revenue-Based ✓
Funding Range$10K–$25M
Rates From1% / Month
Approval Time24–72 Hours
No Credit ChecksEver
No Personal GuaranteesRequired
Industries ServedAll Sectors
Same-Day FundingAvailable
Funding Range$10K–$25M
Rates From1% / Month
Approval Time24–72 Hours
No Credit ChecksEver
No Personal GuaranteesRequired
Industries ServedAll Sectors
Same-Day FundingAvailable
Why Underpin Accounts
The Foundation Your Business Deserves
We built Underpin Accounts for business owners who've been turned away by banks, slowed down by paperwork, or trapped waiting for capital.
01
Revenue-Based Approvals
We evaluate your business on monthly revenue — not credit history. If your business generates revenue, you likely qualify.
02
No Personal Guarantees
Your personal assets stay protected. We lend based on business performance, not your personal creditworthiness or collateral.
03
Fast, Transparent Process
Apply in minutes. Decision in 24–72 hours. Funds can arrive the same day as approval — no hidden steps, no surprise fees.
04
No Hard Pulls
We don’t perform hard credit pulls. Your credit score is not affected when you apply or get approved — ever.
05
Flexible Use of Funds
Use the capital however your business needs — payroll, inventory, equipment, marketing, expansion, or cash flow management.
06
Unprofitable? Still Eligible
We offer funding based on top-line revenue — up to 30% of annual revenue. Profitability is not required to qualify.
Funding Solutions
Capital for Every Stage of Your Business
From short-term working capital to long-term growth financing — we have a product matched to your situation.
💼
$1.5M
Up to
Working Capital Loans
Short-term capital to cover payroll, materials, inventory, or operating expenses. Revenue-based approvals, fast turnaround with same-day availability.
Same-Day Available
🏗
100%
Financed
Equipment Financing
Finance up to 100% of the equipment you need — construction machinery, commercial vehicles, office technology. Free up cash while upgrading operations.
No Down Payment
📄
$2M
Up to
Invoice Factoring
Convert outstanding receivables into immediate cash. Ideal for businesses operating on net-30 to net-90 payment terms who can’t afford to wait.
Same-Day Cash
🔄
$1.25M
Up to
Lines of Credit
Flexible revolving credit from $10K to $1.25M. Draw what you need, when you need it. Only pay for what you use — built for variable cash flow needs.
$10K – $1.25M
🏛
10yr
Up to
Term Loans (5–10 Years)
Long-term capital for expansion, acquisitions, or major capital investments. Fixed monthly payments for predictability and ease of planning.
Fixed Payments
⚡
24mo
Up to
Bridge Loans
Short-term financing to bridge timing gaps or fund time-sensitive opportunities. 3–24 month terms with quick access. When timing is everything, we move fast.
3–24 Months
📦
PO
Based
Purchase Order Financing
Turn approved purchase orders into capital. We fund supplier costs upfront so you can fulfill large contracts without straining your cash position.
Order-Based
🏠
30yr
Amort.
Commercial Real Estate
Finance or refinance commercial property with amortization up to 30 years. Investment property, storefronts, warehouses — structured deals that work.
Up to 30 Years
How It Works
Three Steps to Your Funding
01
Apply Online in Minutes
Complete our streamlined application with basic business info and recent bank statements. No tax returns. No lengthy paperwork. No hard credit pull.
02
Get Approved Based on Revenue
Our team evaluates your business on revenue performance — not your credit score. Most decisions come back within 24–72 hours, some same-day.
03
Receive Your Funds
Once approved, funds are transferred directly to your business account. Same-day funding available for qualified applicants. No collateral required.
If your business generates revenue, there’s a strong chance we can fund it — regardless of your industry or credit profile.
🏗 Construction & Contracting
🏥 Healthcare & Medical
🚛 Transportation & Trucking
🛍 Retail & E-commerce
🍽 Restaurants & Hospitality
🏭 Manufacturing
🏢 Professional Services
📦 Wholesale & Distribution
🏠 Real Estate
💻 Technology & SaaS
🎓 Education & Training
+ Many More Industries
Client Testimonials
Businesses We’ve Helped Move Forward
“
★★★★★
After two bank rejections, Underpin Accounts funded my construction company in 48 hours. Simple process — no one asked about my personal finances, just my revenue.
Marcus T.
General Contractor, Texas
“
★★★★★
My restaurant’s cash flow was killing us. Underpin gave us $125K in working capital within a day of approval. We hired staff, restocked, and had our best quarter since opening.
Sandra M.
Restaurant Owner, California
“
★★★★★
Equipment financing, $200K, no personal guarantee, no collateral, no tax returns. Unbelievably smooth. I’ll be back for our next expansion without a second thought.
David K.
Wholesale Supplier, Ohio
Frequently Asked Questions
Got Questions? We Have Answers.
We offer funding from $10,000 to $25,000,000 depending on your business revenue, industry, and the specific product. Working capital loans go up to $1.5M; lines of credit up to $1.25M; larger amounts available for real estate and term loans.
No. We do not perform hard credit pulls. Our underwriting is based entirely on your business’s revenue performance. Your personal credit score is not a factor in our decision and will not be affected.
Most approvals are returned within 24–72 business hours. For qualifying applicants, same-day funding is available. Once approved, funds are wired directly to your business account.
You’ll need basic business information and recent bank statements (typically the last 3–6 months). We do not require tax returns, audited financials, or the extensive documentation packages traditional banks demand.
No. We offer funding based on top-line revenue — up to 30% of your annual revenue — regardless of profitability. If your business generates consistent revenue, you may qualify even without showing a net profit.
No restrictions. Use the capital however your business needs — payroll, inventory, equipment, marketing, expansion, debt consolidation, or any other business purpose.
No personal guarantees required. Some loan types may involve business assets, but we do not require you to personally guarantee the debt or put up personal property as collateral.
Not sure if you qualify? Reach out anyway. Our eligibility guidelines are flexible, and many clients who weren’t sure they’d qualify have been successfully funded. A quick conversation with our team costs nothing — call us or submit your details and we’ll let you know what’s possible.
Ready to Underpin Your Business?
Apply in minutes. Decisions in 24–72 hours. No credit check. No personal guarantee.