Access the working capital you need to grow. Simple, transparent and on your terms.
Welcome to business financing, reengineered. No complicated paperwork. No hidden fees. Just the capital you need, right when you need it—so you can focus on building, innovating, and grow.
THE STRATEGIC PARTNER FOR YOUR SBA LOAN
Same day funding. get the funds you need without the delays and red tape.
No equity dilution. Secure capital without giving up ownership or sacrificing control of your business’s future.
Dependable Funding. A trusted partner you can count on. Our proven track record ensures consistent, on-time financing so you always have the capital you need.
Reliable Support. Count on a dedicated team committed to your success. We're here to answer questions, provide guidance and ensure a smooth funding experience.
Specialists who understand your needs. Expert guidance from a team that’s funded over 10,000 businesses across diverse industries nationwide.
Flexible repayment. We'll put a plan together that's shaped around your cash flow needs. Choose from repayment options designed to keep your operations running efficiently.
Working capital delivered with clear terms that make sense for your business.
From expanding operations to smoothing out cash flow or bridging short-term needs, our working capital solutions align with your specific goals— with no hard credit pulls or lengthy delays.
Application. Complete our application with basic details about your business. No complicated paperwork or red tape.
Approval. Our team will evaluate your business and get back to you with a decision in a few hours so you can focus on what matters most.
Funded. We'll send the working capital you need directly to your business bank account - often within just a few hours - to immediately support your business needs.
Move at the speed of opportunity
Traditional financing isn’t built for modern business needs. We are. Designed with flexibility at its core, our funding solutions help you seize opportunities, tackle challenges, and scale—without red tape or compromises.
Get approvals in hours, maintain full ownership, and access capital that adapts to your goals. Whether it’s smoothing cash flow, expanding operations, or managing the unexpected, we’re here to keep your business moving forward.
No unnecessary stress. Just funding that works with your business, on your terms.
Powering businesses across the nation with fast, reliable capital.
With our working capital solutions, thousands of businesses have successfully scaled their operations, ensured smooth daily cash flow, and handled unexpected demands. Discover the perfect mix of speed, simplicity, and dedicated support to propel your growth forward.
$500 million
Funds delivered directly to businesses.
10,000+
Businesses supported with our financing solutions.
90%
Approval rate
2,500+
New businesses helped every year
Business funding, revolutionized with AI.
Redefine your funding experience with our AI-driven working capital solutions. Designed for today’s fast-paced businesses, we deliver approvals in hours, not weeks, while you retain full ownership—no equity dilution.
Smart Funding, Instant Impact. Powered by advanced machine learning, our platform cuts through the traditional financing clutter, providing the funds you need precisely when you need them. From optimizing cash flow to seizing growth opportunities and handling unexpected expenses, our solutions adapt seamlessly to your business dynamics
Intelligent Growth Solutions. Our advanced algorithms analyze your business performance and cash flow to offer flexible repayment terms that align with your revenue streams. Scale your business confidently with funding that adapts to your growth and supports your financial strategy.
Are we a good fit?
Check if your business meets our minimum criteria for funding and see how we can support your growth.
$1m annual revenue
Ensure your business does at least $1m in annual revenue.
650 FICO score
Maintain a personal credit score of 650 or higher.
$500,000 annual revenue
Ensure your business does at least $500,000 in annual revenue.
600+ FICO score
Maintain a personal credit score of 600 or higher.
Working capital FAQ:
We’ve covered the most common questions business owners ask about working capital loans.
What is working capital?
Working capital financing provides businesses with quick access to funds to manage day-to-day expenses, bridge cash flow gaps, or capitalize on new opportunities. It’s an ideal solution for businesses that need funding without the delays of traditional methods.
How quickly can I receive the funds?
Once your application is approved, you can access the funds in as little as 24 hours. Our streamlined process ensures you get the capital you need without unnecessary delays, so you can focus on running your business.
What can I use working capital financing for?
Working capital financing is versatile and can be used for any business purpose, such as purchasing inventory, paying employees, covering marketing expenses or managing operational costs. This flexibility ensures you can allocate funds where they're needed most.
Do I need collateral to qualify for working capital financing?
No - our working capital financing is unsecured. That means you don't need to collateralize your assets. Instead, we assess your business revenue and overall performance to determine eligibility.
What are the repayment terms for working capital financing?
Repayment terms are designed to align with your cash flow and financial goals. Typically, this type of financing is repaid over short periods, ranging from a few months to a year, with flexible terms tailored to your specific needs.
Can I qualify for working capital financing with less-than-perfect credit?
Yes, your credit score is not the primary factor in determining eligibility. We focus on your business’s revenue, performance, and potential, making working capital loans accessible to businesses with varying credit histories.
CLIENT TESTIMONIALS
Helping business owners grow on their terms
“Partnering with RelFi was a game-changer for us. They didn’t just provide funding—they provided a financial roadmap that allowed us to consolidate debt, invest in growth, and position ourselves for long-term success.”
Jason B, Owner
Commercial Cleaning Services
Ruskin, FL
“RelFi helped us move from a small bridge loan to a full-scale acquisition strategy with structured financing that supported our growth at every stage. Their expertise in logistics financing made all the difference.”
Lucas J, Owner
Logistics & Transportation
Matthews, NC
CASE STUDIES
Success stories
Experience the power of smarter financing. See how we’ve optimized funding for others and discover what we can do for you.
Power your business with the capital to grow and adapt.
RelFi provides the resources you need to overcome challenges, unlock opportunities, and drive your business forward—without compromising control or momentum.
Start Your Working Capital Journey