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Funding
DeposytFunding
Need capital? Get funded from your own sales.
Business funding based on the sales you already run, not your credit score. No hard credit pull, money in your account in as fast as 24 to 48 hours, and a repayment that flexes with your revenue. Even the high-risk businesses banks turn away get funded here.
The hard part is already handled.
350+ Five Star Reviews on Google
✓No hard credit pull
✓Based on your sales
✓Funds in 24 to 48 hours
✓Repayment flexes with sales
✓High-risk funded too
Why merchants trust us
A funding partner with real history behind it.
We are not a lead broker that sells your application to ten lenders. We are the payments company that already runs your sales, with the track record to back the capital we put behind you.
25
Years in payments
$50B+
Processed for merchants
35,000+
Merchants served
24-48
Hours to funding
Company credentials reflect Deposyt processing history. Funding is offered separately and is subject to approval.
How much can you get
Funding sized to your real volume.
Your amount is based on how much you process, not an arbitrary cap. Move the slider to see an illustrative range for a business like yours. Most approved merchants qualify for roughly half a month to a month and a half of card volume.
Your monthly card volumedrag to estimate
$50,000
$5K$500K+
Illustrative funding range
$25K to $75K
Estimates only, not an offer of credit. Your actual amount, cost, and terms depend on your processing history and approval.
Merchant cash advances and the purchase of future receivables are not loans. Amounts and timing shown are illustrative and are not a guarantee or an offer of credit. All funding is subject to approval and is based on your card processing history.
Why processing-based funding
Why your sales are better collateral.
A bank looks at your credit history. We look at money that is already arriving.
Speed
Banks are slow
A loan decision in six weeks is not a decision you can use.
Credit
Score-first lending
Good businesses get declined on a personal credit line.
Collateral
Nothing to pledge
Most service businesses have no asset a bank will take.
Seasonality
Uneven months
A fixed monthly payment ignores how your revenue actually moves.
Timing
Opportunity windows
Inventory, equipment, and hiring do not wait for underwriting.
Visibility
We see the sales
Your processing history is the clearest data there is.
What it is for
What businesses use it for.
Capital is only useful when it buys something specific.
Inventory
Inventory
Buy deeper before a season or a price rise.
Equipment
Equipment
Replace or add the machine that limits your output.
Hiring
Payroll and hiring
Bring someone on before the revenue catches up.
Expansion
A second location
Fund the build-out without a bank timeline.
Marketing
Advertising
Put capital into the channel that already works.
Renovation
Renovation
Refit the space between busy seasons.
Cash flow
Gaps in cash flow
Cover a slow stretch without stopping the business.
Debt
Consolidation
Replace expensive short-term debt with one cost.
Opportunity
Bulk buys
Take a discount that only exists this week.
Not sure it is the right tool? Tell us the plan and we will be honest about it. Call us.
What to watch for
What to watch for in a funding offer.
This is the corner of finance with the worst actors in it. Read these before you sign anything.
Cost
Factor rate, not APR
A factor rate hides the real cost. Ask for the total.
Stacking
Multiple advances
Stacked advances are how businesses drown.
Daily debits
Fixed daily payments
A fixed debit ignores a slow week and breaks cash flow.
Fees
Origination and junk fees
Fees deducted up front cut what you actually receive.
Confessions
Confession of judgement
Never sign one. Walk away from anyone who asks.
Renewals
Early renewal pressure
Being pushed to renew early usually costs you twice.
How we help
How our funding works.
Plain terms, quick decisions, and repayment that moves with your sales.
Underwriting
Based on your sales
We underwrite the processing volume, not your credit score.
Speed
24 to 48 hours
A decision fast enough to be useful, funds soon after.
Repayment
A share of sales
Repaid as a percentage of daily volume, so slow weeks cost less.
Clarity
One number
You know the total cost before you accept, not after.
Renewals
Renew when it makes sense
Renewable as you pay down, without pressure to.
Real support
People who answer
A team that will tell you when funding is the wrong answer.
Getting started
What you need to apply.
Applying takes minutes, and it will not touch your credit.
The basics
Business and ID
Formation documents, EIN, and owner identification.
History
Processing statements
Three to six months of statements or bank activity.
Time
Months in business
Most offers need a few months of trading history.
The plan
What it is for
Tell us the use and we can size it sensibly.
No hard credit pull to see an offer, so checking costs you nothing.
What you get
Everything a funded merchant gets alongside it.
Capital works best when the payments underneath it are already tight.
Features
Gateway Features
Every tool inside the gateway, from vaulting to reporting.
IntegrationsIntegrations
Connect the cart, app, and tools your business already runs on.
RecurringRecurring Billing
Subscriptions and card-on-file with retries on failed renewals.
Dual pricingOffset Your Fees
Show a card price and a cash price so processing cost is covered.
Load balancingLoad Balancing
Split volume across accounts so one decline never stops sales.
FundingNext-Day Funding
Your sales today, in your account as soon as the next business day.
Zero-fee option
Offset your fees on every charge.
Dual pricing shows a card price and a cash price, calculated by our software, so processing cost stops competing with your repayment.
See Dual PricingQuestions, answered
Questions, answered simply.
The things business owners actually ask. If yours is not here, a real person is a phone call away.
Will this affect my credit score?
No. Seeing an offer does not involve a hard credit pull.
How fast can I get funded?
Often within 24 to 48 hours of approval.
How is it repaid?
As a percentage of your daily sales, so repayment slows down when your revenue does.
What does it cost?
You get one total number before you accept. We will not quote a factor rate and leave you to do the maths.
Do I have to process with Deposyt?
Funding is built around your processing, so it works best when we can see the volume directly.
Can I renew?
Yes, as you pay down. We will also tell you when renewing is not in your interest.
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