Four minutes. Three statements. One offer.
Apply for funding for your firm in about four minutes. You need an application and your three most recent months of business bank statements for the operating account. No minimum FICO for working capital, $15,000 a month in deposits, 6 months in business. Offer in about four business hours, funded in 24.
Submitting the application does not affect your credit.
One application covers all five.
Every button below opens the same four-minute application. If you’re not sure which product fits, start anywhere — the underwriter will place the file.
What you need, exactly
- A four-minute application: legal entity name, DBA, EIN, address, owner name and date of birth, ownership percentage, last four of SSN, monthly revenue, time in business, amount requested, and what it’s for.
- Your three most recent months of business bank statements as PDFs — for the operating account, four months if your billing is seasonal. Downloaded from your bank, not screenshots. Not the client trust account.
- That’s it. No tax returns under $500,000. No business plan. No financial statements. No collateral for working capital. No minimum credit score for working capital or receivables funding.
What happens after you submit
- Within about 4 business hours on a weekday, an underwriter reads your file and we come back with an amount, a total payback, a payment and a schedule — or a decline with the actual reason.
- If you take the offer, you sign a two-page contract.
- A clean file signed before 11:00 AM ET generally funds the same business day. Otherwise, next.
We will call you. We don’t run automated email sequences, so put a number on the application you actually answer.
Does applying affect my credit?
Submitting the application does not affect your credit. We review your business bank statements first. If you move forward on a credit-qualified product — a line of credit, a term loan, or SBA — a credit pull happens at that point and we tell you before it does.
Your information
Your full SSN and EIN are stored encrypted and are never displayed back on any screen, included in any email, or used in any AI system. Display surfaces show the last four digits only. See the privacy policy.
What a firm needs to qualify.
Read this before you spend the four minutes. If you clear every line, apply. If you don’t, call and we’ll tell you what would change it.
| Minimum monthly revenue | $15,000 in business bank deposits |
|---|---|
| Minimum time in business | 6 months |
| Minimum credit score | None for working capital or receivables funding. 600+ for a line of credit. 650+ for a term loan. 680+ for SBA. |
| Funding range | $10,000 to $2,000,000 for working capital. Up to $5,000,000 for term loans, SBA, and receivables facilities. |
| Time to a real offer | About 4 business hours on a complete file. |
| Time to funding | 24 hours. Same day if a clean file is signed before 11:00 AM ET. |
| Documents required | Application plus your 3 most recent months of business bank statements. 4 months if your billing is seasonal (tax season, contingency fees, year-end retainers). |
| Contract length | 2 pages. |
| Repayment | Fixed daily or weekly ACH from your operating account. No split funding. No holdback percentage. No lockbox on your operating account. |
| Prepayment discount | Up to 30% off the remaining cost of funding when a working capital advance is paid off within the first 30, 60, or 90 days. |
| Retainers & client billing | Counted. Retainer deposits, recurring client payments and lump-sum settlements all count toward your approval. Client trust (IOLTA) accounts are not underwritten as revenue — send the operating account. |
| Billing system requirement | None. Any practice-management, time-and-billing or invoicing system, or none at all. Underwriting is from bank statements. |
| Firm types approved | Law firms including contingency-fee practices, accounting and CPA firms, bookkeeping and tax preparers, management and IT consultancies, marketing, advertising, PR and creative agencies, architecture, engineering, surveying and environmental firms, HR consultants and recruiters. |
| Not required | Collateral for working capital. A business plan. Tax returns under $500,000. A minimum headcount or number of partners. A specific billing system. An audited financial statement. |
| Open to | U.S. businesses with a U.S. business bank account. All 50 states. |
Four minutes. Three bank statements. No credit impact to apply.
Which one are you applying for?
| Product | Amount | Term | Speed | Min FICO | Min time in business | Min monthly deposits | Who underwrites |
|---|---|---|---|---|---|---|---|
| Working capital advance | $10K – $2M | 3–18 months | 24 hours | None | 6 months | $15,000 | Billable Capital, in-house |
| Line of credit | $25K – $500K | Revolving, 6–24 month draws | 1–3 business days | 600 | 12 months | $25,000 | Billable Capital, in-house |
| Receivables funding (factoring) | Up to $5M facility | Per invoice, 30–90 days | 3–5 days to open, 24 hours per invoice after | None | 3 months | $20,000 in open B2B invoices | Billable Capital, in-house |
| Term loan | $50K – $5M | 6–60 months | 3–7 business days | 650 | 24 months | $40,000 | Billable Capital in-house to $500K; bank partners above |
| SBA 7(a) / SBA Express | $50K – $5M | Up to 10 years working capital, 25 years real estate | SBA Express 10–21 days; 7(a) 30–45 days | 680 | 24 months | — | SBA-preferred bank partners, packaged by Billable Capital |
Working capital, lines of credit and receivables funding are underwritten and funded in-house. SBA 7(a), SBA Express and term loans above $500,000 are packaged by Billable Capital and placed with bank and SBA-preferred lending partners. See disclosures.
Before you click.
How long does the application take?
About four minutes. You need your legal entity name, DBA, EIN, address, owner name and date of birth, ownership percentage, last four of your SSN, monthly revenue, time in business, the amount you want, and what it is for.
What documents do I need to apply for funding for my firm?
An application plus your three most recent months of business bank statements for the operating account, as PDFs — four months if your billing is seasonal. Downloaded from your bank, not screenshots. Not the client trust or IOLTA account. No tax returns under $500,000, no business plan, no financial statements, and no collateral for working capital.
Does applying affect my credit?
No. Submitting the application does not affect your credit. Billable Capital reviews your business bank statements first. If you move forward on a credit-qualified product — a line of credit, a term loan, or SBA — a credit pull happens at that point and we tell you before it does.
What happens after I submit?
Within about 4 business hours on a weekday an underwriter reads your file and comes back with an amount, a total payback, a payment and a schedule — or a decline with the actual reason. If you take the offer you sign a two-page contract. A clean file signed before 11:00 AM ET generally funds the same business day.
Will you email me updates?
No. Billable Capital does not run automated email sequences. We will call you, so put a number on the application that you actually answer.
How is my SSN and EIN handled?
Your full SSN and EIN are stored encrypted in a dedicated secrets vault, are never displayed back on any screen, never written into logs or email, and never placed into any AI or large-language-model system. Display surfaces show the last four digits only. See the privacy policy.
Four minutes. Three statements. One offer.
No minimum FICO for working capital. $15,000 a month in deposits. Six months in business. All 50 states.