Working capital up to $250,000 for established small businesses. Reviewed by people who understand how small businesses work. Funded the same day you are approved.
No hard credit pull on your application
Approval based on revenue, not credit score alone
Funds deposited directly to your business account
One year in business and $20K monthly revenue required
No hard credit pull on your application
Approval based on revenue, not credit score alone
Funds deposited directly to your business account
One year in business and $20K monthly revenue required
Takes under 2 minutes · No hard credit pull · 100% secure
Your information is secure and never shared or sold. No hard credit pull.
Your information is secure and never shared or sold. No hard credit pull.
Funding Products
Most banks look at your credit file. We look at how your business performs. That is why established small business owners get funded here when their bank will not return a call.
Revenue-Based Financing
Repayment moves with your cash flow. Strong month, more comes off. Slow month, less does. Capital that works the way your business actually works.
Up to $250,000 in working capital
Structured around your cash flow, not a fixed schedule
Used by small business owners scaling locations, equipment, and teams
Merchant Cash Advance
A lump sum of capital when the window is open. Repayment comes out of daily sales. When the deal has a deadline, this is the instrument.
Up to $250,000 as a single advance
Repayment tied to daily sales volume
Right for time-sensitive growth decisions
Business Line of Credit
Draw what you need when you need it. Inventory comes in early. A contract requires upfront costs. The capital is there without reapplying every time.
Lines from $10,000 to $250,000
Approved capital available to draw at any time
Right for businesses with recurring capital needs
The Process
A real person reviews your file. Not a scoring model. Not a queue.
01
Short form. No paperwork. No business plan. Under five minutes start to finish.
02
A team member reviews your revenue and bank statements the same day. A real decision, not an automated response.
03
Clear terms. Payments aligned to how your business generates revenue. No surprises in the fine print.
04
Capital hits your account the same business day or the next morning after signing.
Who Qualifies
Check before you apply. If your business meets these four marks, there is a strong chance you qualify today.
$20K
Monthly Revenue Minimum
Business
Checking Account Required
1 Year
Minimum Time in Business
550+
Minimum FICO Score
Uses of Capital
Working capital does not fill a gap. It creates a return. Here is where established small business owners put it to work.
Open the second location before someone else takes the market
Put capital behind marketing that already converts
Stop turning down contracts because your equipment cannot keep up
Automate what is costing your team ten hours a week
Hire the people your growth requires before you lose the contract
Stock up before peak season, not after you have missed it
What Clients Say
These are their words. Unedited.
★★★★★
We needed money to buy new equipment and within two hours the funds were in our account. Two hours. I cannot say that about any bank I have ever worked with.
★★★★★
I filled out an application, was approved, and received funds all within 24 hours. Very smooth. Very seamless. I recommend them for any business funding needs.
★★★★★
Purple Tree Funding went above and beyond to help us secure the funding we needed for our business expansion. The team was professional from start to finish.
★★★★★
The funding was quick and the team was professional throughout. They delivered exactly what they said they would. That is all a small business owner can ask for.
★★★★★
They gave us funds within 24 hours. The process was smooth and communication was clear the whole way through. I highly recommend for any funding needs.
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Case Studies
These are breakdowns of what small business owners actually did with the capital, how the structure worked, and what changed after funding.
Construction and Trades
Capital used to bridge the gap between new commercial contracts and first payment. Team ramped up. No work turned away.
Restaurant
Outdoor seating expansion plus a catering launch. Revenue up 42 percent. The capital paid for itself inside the first quarter.
Healthcare
New equipment. New practice management system. Patient capacity increased. The owner's personal assets stayed untouched.
Construction and Trades
New commercial contracts were signed. The bank line was maxed out. Purple Tree reviewed the work in progress and advanced capital so the crews could start on day one.
Restaurant
Outdoor seating expansion plus a catering launch. Revenue up 42 percent. The capital paid for itself inside the first quarter.
Healthcare
New equipment. New practice management system. Patient capacity increased. The owner's personal assets stayed untouched.
Beauty and Wellness
Strong word of mouth. Dated interiors. Banks said no. Purple Tree looked at point-of-sale data and client demand instead. New bookings up 38 percent in 12 months.
E-commerce
Nearly half of annual revenue arrived in Q4. Best sellers ran out every season. Purple Tree built a flexible inventory line and Q4 revenue grew 54 percent.
Questions and Answers
Straight answers. No jargon.
Revenue history, cash flow patterns, and how the business runs. Credit is reviewed but it is not the deciding factor. We look at the full picture the way a fellow small business owner would, not a scoring checklist.
Most decisions are made the same day as a completed application. Once an offer is accepted and documents are signed, capital typically reaches your account the same business day or the following morning.
Not necessarily. A business generating $20,000 or more per month may qualify even if personal credit is not perfect. We do not perform a hard credit pull on the initial application.
Direct lender. We review, underwrite, and fund from our own capital. No middleman, no handoff to a network. One conversation, one decision, one team from start to funded.
Between $10,000 and $250,000 based on monthly revenue, time in business, and intended use. We size capital to the initiative, not to the theoretical maximum a business might qualify for on paper.