How It Works

Step by Step

The Funding Process

Takes 5 minutes

Submit your application

Fill out our short application with basic information about your business — legal name, monthly revenue, and how much you're looking for. No lengthy paperwork, no hard credit pull at this stage. We just need the basics to get started.

Same day

We review your file

Once we receive your application, we review your business details and bank statements. We look at your cash flow, not just your credit score — so even businesses with less-than-perfect credit can qualify. We'll reach out the same day with any questions.

Same day

We generate your approval options

We submit your file to our network of funders and generate multiple approval options for you. You'll see different offer amounts, factor rates, and term lengths so you can choose what works best for your business — not just the first offer that comes back.

Your choice

You choose your offer

We walk you through your options, answer any questions, and let you decide. There's no pressure and no obligation. When you're ready, you sign your contract electronically — it takes minutes.

Within 24 hours

Cash hits your account

Once your contract is signed and verified, funds are deposited directly into your business bank account — often the same day, almost always within 24 hours. No waiting weeks for a bank decision.

What You'll Need

Required Documents

3 Months Bank Statements

Most recent — all pages required

Completed Application

Signed by all majority owners

* Additional documents may be requested depending on funding amount or business type.

From Application to Funded

Your Funding Timeline

Day 0 — Hour 0

You submit your application

Takes about 5 minutes. We receive it instantly and begin review.

Day 0 — Within 1 hour

We reach out to you

A Bizzy team member contacts you to confirm details and collect any missing documents.

Day 0 — Same day

File submitted to funders

Your complete file goes out to our funder network. Approvals start coming back within hours.

Day 0 or Day 1

You review and select your offer

We present your options, answer questions, and you choose the offer that fits. Contract signed electronically.

Day 1 — Within 24 hours

Funds deposited

Money is wired directly into your business bank account. You're funded and ready to move.

Common Questions

FAQ

Not necessarily. We look primarily at your business revenue and cash flow, not just your credit score. Businesses with credit scores as low as 500 can qualify depending on their monthly deposits and time in business.

Funding amounts typically range from $5,000 to $2,000,000 depending on your monthly revenue. As a general rule, most businesses can qualify for up to 1.5x their average monthly deposits.

Repayment is typically made through monthly, bi-weekly, weekly or daily ACH debits from your business bank account. The amount is fixed based on your agreed payback schedule. Some products offer flexible repayment tied to your daily sales volume.

Yes. Many businesses we work with have existing MCA positions. Depending on your current balance and monthly revenue, you may qualify for additional funding or a consolidation. We'll look at your full picture and find the best path forward.

It depends on the funder and product. Some offers come with early payoff discounts, others do not. We'll clearly explain the terms of any offer before you sign so there are no surprises.

Most funders require a minimum of 6 months in business. Some programs are available for businesses as young as 3 months with strong monthly revenue. Startups under 3 months are generally not eligible.

Submitting an application with Bizzy does not trigger a hard credit pull. Some funders may run a soft pull during underwriting, which does not impact your credit score.

Absolutely not. Applying through Bizzy is completely free. We are compensated by the funder when a deal is funded — you never pay us directly.