Your bank said no.We never asked them.
Financing that looks at revenue before credit. One page and three months of business bank statements is the whole file, and complete applications get a decision the same or very next business day.
Checking the desk…
Build your file and see where it lands.
Set these to match your business. The panel updates as you go, and every rule behind it is one underwriting actually reads.
Money you could actually put toward the machine right now, business or personal. Equipment always takes a down payment — 10% to 50% of the cost.
Everything that lands in the business bank account in a normal month, before expenses come out. Not profit.
Your file — click any answer to change it
What happens next
- Submit the application. Three steps, plus your last three months of business bank statements.
- A person reads it the same business day. If something is missing we call you instead of declining you.
- Sign, and the money moves. Working capital lands in 24 to 48 hours; equipment funds against the vendor invoice.
No fee to apply. Nothing here is an approval.
A self-check against our published criteria. Not an approval and not an offer of credit. Real terms come from underwriting in writing.
Two options to get your business back on track.
Equipment Finance
Trucks, trailers, excavators, machine tools, medical and dental, restaurant build-outs, shop equipment. New or used, from a dealer or a private seller. Your credit score is not what decides this one. Your deposits are. We look at the money moving through your account and ask whether it covers the machine, and on a tough file that means putting 10% to 50% down. It is written as a lease: you make the payments, then buy the equipment outright at the end for 10% of the cost.
- Amount
- $5,000 to $150,000
- Term
- 18 to 60 months
- Down payment
- 10% to 50%
- Credit score
- No set minimum
- What decides it
- Your bank deposits
- You own it
- At the end, for 10% of cost
- Money goes to
- The dealer or seller
Working Capital
Cash against the deposits you are already making. Payroll, inventory, materials, a job you need to float, or paying off something that costs you more. We approve on the money moving through your account, not on a credit file you already know is ugly. No financials, no money down, nothing pledged as collateral. Three months of statements is the whole file. Once you have paid off half of it you can take more: what you still owe rolls into a bigger advance, and the difference comes to you in cash.
- Amount
- $5,000 to $500,000
- Payback period
- 3 to 12 months
- Payments
- Daily or weekly, automatic
- Money down
- None
- In your account
- 24 to 48 hours after signing
- Get more funding
- Once half is paid off
Short-term capital has to pay for itself.
Put against the right thing, this is one of the best deals in business: money that returns more than it costs you, and you keep the difference. Put against the wrong thing, it is just another payment on top of the ones you already have. One question decides which — does what you spend it on bring back more than it costs?
It earns its own payment
- Inventory and materials. You buy at cost and sell at margin. The sale that follows is what repays it.
- Payroll on work you have already won. The crew finishes a job somebody is already contracted to pay you for.
- Repairs on a truck or machine. Equipment sitting in the yard earns nothing. Back in service it bills again the same week.
- Taking on a bigger job. The contract covers the cost of the capital and leaves you ahead of where you started.
- Marketing you can actually measure. If you know what a lead costs and what a job is worth, this is arithmetic.
- Paying off costlier capital. Replacing an expensive position with a cheaper one is a real gain, as long as the new number is genuinely lower.
It just adds a payment
- Buying equipment outright. A machine you will run for five years should be paid for over five years, not nine months. Equipment finance exists for exactly this, and it costs less.
- A shortfall with no plan behind it. If next month looks like this month, a daily payment does not close the gap. It widens it.
- Anything that does not bring money back. A remodel, a wrap, a nicer truck. Good things to want. Bad things to borrow short money for.
- Making payments on what you already borrowed. That is not a gap, it is a direction, and more capital points it the same way.
- Personal expenses. This is commercial financing for business purposes only. We are required to ask, and we do.
If yours is on the right, tell us anyway. Half the time there is a version of the deal that does work — a different product, a smaller number, or waiting until the job is signed. We would rather talk you out of a bad position than fund one.
The same $30,000, two ways
| SBA 7(a) Loan | Kaiba Working Capital | |
|---|---|---|
| Amount financed | $30,000 | $30,000 |
| Cost of the capital | $24,734 | $10,500 |
| Total repaid | $54,734 | $40,500 |
| Time outstanding | 120 months | 9 months |
| What you pay monthly | $452 | $4,500 |
Assumptions, so you can check us. SBA 7(a) at 13.25%, which is the current maximum for loans of $50,000 or less at a 6.75% prime rate, amortized over ten years, plus a 2% guarantee fee on the guaranteed portion. Kaiba at a 1.35 factor over nine months. Illustrative only, not an offer, and your actual numbers come from underwriting in writing.
Questions we get asked before people trust us.
What if my credit is under 500?
Can I add a co-signer?
Do you pull personal credit, and is a guarantee required?
What are the bank statement requirements?
What happens after I submit?
What about a bankruptcy or a tax lien?
Is there anything you will not fund?
Submit your file.
Three steps. No fee, no obligation. Complete files get a decision the same business day.
Three months of business bank statements. The application will not submit without them. For working capital that is the entire file, which is why we are able to say yes to non-traditional credits. Equipment is the same file, plus a credit report on each owner.
Your application is in.
A reviewer reads it the same business day and comes back to you at the phone number and email you gave us. Nothing else is needed from you right now.
Somebody has to fund the hard ones.
A damaged credit file is not the same thing as a bad business. If the deposits are real and the score is not, that is the file we were built to read, and a complete application gets an answer the same business day.