Fast Funding for Small Businesses
Explore financing options for inventory, equipment, expansion, and everyday operations—with guidance from the Urge Capital team
A clear path from conversation to funding.
Step 1
Tell us about your business.
A short conversation or online form about what you do and what you’re planning.
Step 2
Review available options.
We walk you through the funding options your business may qualify for, in plain terms.
Step 3
Choose whether to move forward.
You decide if an offer fits your plans. There’s no obligation to accept.
All funding is subject to approval.
Why business owners work with Urge Capital
A direct, practical approach to business funding.
Direct underwriting
We review your application ourselves, so you speak with the people making the decision.
Funding built around cash flow
We look at how your business actually performs, not only at a credit score.
Straightforward paperwork
A short application and recent bank statements are usually enough to get started.
A range of options
Cash advances, lines of credit, term loans, equipment leasing, and more.
All funding is subject to approval.
How It Works
From application to funding in four simple steps
Apply Online
Quick form, soft pull, and upload your bank statements. Takes just minutes to complete.
- Simple application
- Soft credit pull
- Bank statement upload
Underwriting Review
Our team plus automation analyze cash flow, deposits, NSFs, and risk profile.
- Automated scoring
- Senior underwriter review
- Fraud detection
Approval & Offer
Transparent terms with simple funding documents. You'll know exactly what to expect.
- Clear terms
- Simple documents
- Direct communication
Funding (Same Day)
Wire sent directly to your account. Use the capital immediately to grow your business.
- Same-day wire
- Immediate access
- Top-up options available
Funding Solutions for Every Business Need
Direct funding options designed to help you grow
Merchant Cash Advances
Fast working capital based on your daily revenue. Flexible repayment tied to your sales.
- —Daily ACH repayment
- —No fixed monthly payments
- —Quick approval
Lines of Credit
Revolving credit line for ongoing business needs. Draw funds as needed and pay interest only on what you use.
- —Flexible draw schedule
- —Revolving credit
- —Interest-only payments
Term Loans
Traditional installment loans with fixed monthly payments. Ideal for larger capital investments.
- —Fixed monthly payments
- —Competitive rates
- —Longer repayment terms
Hard Money Loans
Asset-based financing secured by real estate. Fast approval for property investments and flips.
- —Real estate secured
- —Fast closings
- —Flexible terms
Equipment Leasing
Finance essential equipment without tying up capital. Flexible lease terms with purchase options.
- —Fixed monthly payments
- —Equipment financing
- —Purchase options
MCA Reconsolidations
Consolidate multiple existing MCAs into one payment. Reduce your daily obligations and improve cash flow.
- —Lower daily payments
- —Simplified repayment
- —Improved cash flow
Tell us about your business
Why direct lending matters
Working with the lender itself keeps the process simpler.
One decision maker
You work directly with the source of capital, without extra layers in between.
Clear communication
Our team keeps you updated while your application is reviewed.
Decisions based on your situation
We set our own criteria and look at the full picture of your business.
A long-term relationship
The same team is here when you plan your next step.