Revenue-Based Funding
$10K to $2M advanced against your future sales. Repayment is a small share of your daily deposits, so slow weeks cost you less and busy weeks pay it down faster.
Small-business funding · Miami, FL · Nationwide
Funding when the bank says no.
We specialize in merchants with prior defaults or bad credit. Steady Capital approves on your real cash flow — not your credit score — and funds $10K to $2M in as little as 24 hours.
✓ Soft review — checking your offer won’t impact your credit
Built for the deals other lenders walk away from
- Prior defaults considered
- Open tax liens OK
- Bad personal credit welcome
- Declined elsewhere? Still apply
- No cost to apply
Funding Programs
Capital built around your situation
Whatever shape your business is in, there’s a program for it. Every approval is based on the money moving through your bank account — not a number from a credit bureau.
Funding After a Default
Defaulted or charged off on a previous advance? This is our specialty. We routinely re-approve merchants that other funders gave up on and walked away from.
Bad-Credit & Tax-Lien Funding
A FICO in the 400s or 500s, open tax liens, judgments, or a past bankruptcy won’t end the conversation here. We look at where your business is headed, not just where it’s been.
Emergency Working Capital
Make payroll, cover rent, restock inventory, or settle a tax bill when your bank line is frozen. Fast, flexible capital for the moments you can’t wait on an underwriter.
“They saw the business,
not just the score.”
not just the score.”
Why Steady Capital
We fund the businesses everyone else turned down
Most lenders treat one rough patch — a default, a slow season, a credit hit — as the end of the story. We don’t. Steady Capital was built specifically for hard-working merchants who got declined everywhere else and still have a business worth backing.
From our desk in Miami we fund restaurants, contractors, auto shops, retailers, and trucking companies across all 50 states. We read your bank statements, understand your cash flow, and structure an offer your business can actually carry.
- Prior defaults and charge-offs are welcome, not disqualifying
- Open tax liens, judgments, and past bankruptcies considered
- Poor personal credit will not stop your approval
- A recent decline somewhere else won’t count against you here
How It Works
From application to funded in four steps
No mountains of paperwork, no collateral, and no hit to your credit just to see your options.
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1
Apply in minutes
Send a one-page application and your last 3–4 months of business bank statements. No tax returns, no collateral, and checking your offer never impacts your credit.
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2
Same-day review
A funding specialist reviews your actual cash flow — not just your FICO — and structures an offer sized to what your business can comfortably handle.
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3
Review your offer
We walk you through every number in plain English: the amount, the cost, and the daily or weekly payment. No hidden fees and no surprises before you sign.
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4
Get funded
Once you accept, approved funds can hit your business account in as little as 24 hours. Repayment flexes with your sales from day one.
Steady vs. The Rest
Why merchants choose us after a “no”
| Steady Capital | Banks | Other Funders | |
|---|---|---|---|
| Funds after a prior default | ✓ | ✕ | Rarely |
| Bad credit & tax liens OK | ✓ | ✕ | Sometimes |
| Approved on cash flow, not FICO | ✓ | ✕ | Partly |
| Funding in as little as 24 hours | ✓ | ✕ | ✓ |
| Funds newer businesses (6+ months) | ✓ | ✕ | Sometimes |
| No cost or credit hit to apply | ✓ | ✕ | Sometimes |
Merchant Stories
Funded when no one else would
★★★★★
Two banks and three funders turned me down after I defaulted on an old advance. Steady actually looked at my deposits, saw the business was healthy again, and had $85K in my account the next day.
★★★★★
After a slow season wrecked my credit, every bank slammed the door. Steady looked at my sales instead of my score and funded me in two days. I could finally restock and breathe again.
★★★★★
My credit is in the low 500s from a rough year. Everyone else saw the score and stopped reading. Steady saw $40K a month in revenue and funded me. Straight shooters, no hidden fees.
Common Questions
Straight answers about getting funded
Can I get funded if I’ve defaulted on a previous advance?
Yes — that’s exactly who we work with. A prior default or charge-off does not disqualify you. We look at how your business is performing today, review your recent bank statements, and structure an offer around your current cash flow.
What credit score do I need?
There’s no hard cutoff. We’ve funded merchants with scores in the 400s and 500s, open tax liens, and past bankruptcies. Your business’s revenue and bank activity matter far more to us than your personal FICO.
How fast can I actually get the money?
Most approvals come back the same day, and once you accept your offer, funds can reach your business account in as little as 24 hours. Larger or more complex deals may take a little longer.
What documents do you need to start?
Just a short application and your last three to four months of business bank statements. No tax returns and no collateral are required to get a quote, and requesting one will not impact your credit.
How much does funding cost?
Revenue-based funding is priced with a simple factor rate rather than a traditional APR. Before you sign anything, your specialist will spell out the full cost, the payment amount, and the schedule in plain language — no hidden fees.
Brokers & ISOs
Partner with Steady Capital
Send us the deals other funders decline. We approve fast, pay competitive commissions, and treat your merchants — and your reputation — with care.
Top commissions, paid fast
Earn competitive commission on every funded deal — paid quickly, with full transparency on every file. No waiting weeks to get what you’re owed.
Approvals others can’t get
We specialize in tough files: prior defaults, low credit, and merchants the banks won’t touch. Deals you’d normally lose, we fund.
Same-day decisions
Submit a clean file with bank statements and get a real decision the same day, so your pipeline keeps moving and your merchants stay happy.
A dedicated deal desk
A direct line to an underwriter who actually picks up the phone. White-glove support from submission all the way to funding.
Find out what you qualify for today
Call our Miami funding desk or email your last few months of bank statements. A specialist will get you a no-obligation offer — checking costs nothing and won’t touch your credit.