Nightlight Funding provides fast, flexible working capital to businesses that need funds now. No long waits, no hard credit pull — just funding built around your business.
Every feature is designed to get you funded faster, with less friction and more flexibility.
Our team reviews your application within hours, not days. We focus on your business revenue — not a slow, bureaucratic process. Most applicants hear back the same day they apply.
From $5K to $5M — we scale to fit your actual needs. Whether you're covering payroll, expanding, or buying equipment, we have a solution.
Largest available funding amount for qualifying businesses.
Average time from approval to funds in your account.
We evaluate your business performance and monthly revenue — not just your personal credit score. This means checking your eligibility won't impact your credit. We look at where your business is going, not just where it's been.
We fund businesses in all 50 states. Whether you're in California, Texas, New York, or anywhere in between — Nightlight Funding has you covered.
From fast working capital to SBA loans — we match your business with the right product.
Fast working capital for businesses with 3+ months in business and $10K+/mo revenue. $5K–$5M available. High-risk industries accepted.
Revolving access to capital up to $500K. Great for businesses needing flexible, reusable funding. High-risk industries accepted.
Turn outstanding invoices into immediate cash. B2B businesses with creditworthy customers. No minimum FICO required.
Built for trucking and freight carriers. Get paid on delivered loads immediately. MC/DOT number required.
SBA 7(a)/504 loans from $50K–$5M for established businesses. Also equipment financing and term loans for 1+ year operations.
No minimum time in business required. 700+ FICO and a strong personal credit profile. Business plan or proof of concept needed.
Currently juggling 2–8 active funding positions? We consolidate your daily/weekly debits into one manageable payment.
Standard and high-risk credit card processing. If you're overpaying on rates or being declined by processors — we have options.
We've cut the complexity out of business funding. Here's all it takes.
Fill out our simple online application. No lengthy paperwork — just the basics about your business and funding needs.
Our team reviews your application and revenue history. Most applicants receive a funding offer within hours of applying.
Once you accept your offer, funds are deposited directly into your business bank account — typically within 24 hours.
Apply today and see why businesses across all 50 states choose Nightlight Funding for fast, flexible capital. No hard credit pull. No commitment required.
Start Your Application →