You don't apply.
You qualify automatically.
If your volume and history fit our model, we proactively extend funding offers based on your processing. No lengthy application or hard credit pull to get started. If you’re processing with us and your numbers qualify, we’ll tap you on the shoulder.
Real sales, not projections
Based on your actual processing history.
No underwriting package
No need to compile tax returns or P&Ls.
Scalable offers
Offers grow as your processing volume grows.
Funding in days, not months.
Because we underwrite off your card-processing history, we can move much faster than traditional lenders. Here’s how a typical deployment looks once you’re processing with us.
Sign your funding agreement
Once we confirm your processing history, we send a simple agreement. As soon as it’s signed, we move straight into activation.
Merchant account & equipment activated
We set up your merchant account and whatever you need for processing—software integration, online gateway, or physical terminal.
Funding deployed
As soon as your account is active, we deploy your funding directly into your business bank account so you can put it to work.
Repay as you earn.
Pay it off faster.
Repayments are a fixed percentage of your daily card sales. Slow day? Lower payment. Busy day? Pay it off faster.
Automatic qualification.
No lengthy application. We proactively extend offers based on your processing history.
Always there when you need it.
Once you're funded, you're in the ecosystem. As you repay your balance, more funds become available automatically.
Split Funding vs. traditional loans
Funds deposited directly into your account
Real-time offers based on your credit card processing sales
No credit checks or impact to your personal credit score
No personal liability, no compounding interest
Hassle-free, online application
Funding in as quick as 2 business days, if approved
Early renewals with same streamlined application process
Flexible, automated payments from your store's sales
Fully integrated solution, so you can run your business from one place
Take Split Funding with you everywhere.
One app to manage your finances and business. Track your sales, monitor your funding, and access capital on the go.
