The Right Funding for the Way You Work
One application. Offers from top providers. You pick the best path for your business.
Apply NowOffers Based on Your Monthly Sales — Not Just Your Credit Score
Most lenders lead with your credit score. We lead with your business. Our offers are shaped by your monthly deposits and cash flow, so more business owners qualify — and get funded faster.
Working Capital Loans
For small to mid-market businesses
Whether you need to cover payroll, stock up on inventory, seize a contract, or bridge a slow season — our working capital loans give you the flexibility to move fast without putting personal assets on the line.
Funding Range
$10K – $2M
Terms
6–24 Months
Funding Speed
As fast as 1–3 days
Eligibility Requirements
- 550+ owner personal FICO score
- 3 months business bank statements
- Based on monthly sales & deposits
- No collateral required
- All business types considered
Gig Entrepreneur Funding
Drivers, freelancers & independent contractors
Banks weren't built for gig workers. We were. If you earn through platforms, contracts, or 1099 income, we look at what you actually make — not whether you have a W-2 — and get you funded on your schedule.
Funding Range
Up to $50K
Terms
6–24 Months
Funding Speed
As fast as 1–3 days
Eligibility Requirements
- 550+ owner personal FICO score
- 3 months bank statements
- 1099, gig & platform income accepted
- No employer or W-2 required
- Flexible repayment tied to cash flow
Why Business Owners Choose My Biz Funding
| Feature | My Biz Funding | Traditional Bank | Other Lenders |
|---|---|---|---|
| Funding range | $10K–$2M | Varies, often $50K+ | Typically $5K–$250K |
| Decision speed | As fast as 24 hours | Weeks to months | 2–5 business days |
| Funding speed | 1–3 days | 1–4 weeks | 3–7 days |
| Gig/1099 income | Accepted | Rarely accepted | Sometimes |
| Collateral required | No | Often yes | Sometimes |
| Monthly payments | No large payments | Fixed large payments | Varies |
One Application. Your Best Offer.
Apply once and let top providers compete for your business. No hard credit pull to check your options.
Start Your ApplicationChecking your options won't impact your credit score.