Apply Now →📞 (800) 000-0000Apply Now →📞 (800) 000-0000Fast, flexible funding — approved in hours, funded in as little as 24 hours. No lengthy bank applications, no collateral, no hassle.
✓ Funds deposited directly to your account
✓ Approval based on revenue — not just credit score
✓ Flexible repayments that match your cash flow
✓ Funds deposited directly to your account
✓ Approval based on revenue — not just credit score
✓ Flexible repayments that match your cash flow
Takes under 2 minutes · No hard credit pull · 100% secure
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Simple Process
No bank-style runaround. No stacks of paperwork. Just fast capital for real businesses.
1
Fill out our short online form. We only need a few basic details about your business — no lengthy applications or tax returns required upfront.
2
Our underwriting team reviews your application and revenue — not just your credit score. Most decisions come back within 4 hours.
3
Once you sign your agreement, funds are deposited directly into your business bank account — often same day, always within 24 hours.
Deployed to small businesses nationwide
Small businesses funded
Average time to funding
Average customer rating
Funding Solutions
Flexible products that fit your revenue cycle — not a one-size-fits-all loan that ignores your reality.
$10K – $500K
Funding based on your future sales — repayment scales with your revenue, so you’re never stretched thin on a slow month.
Apply for MCA →Most Popular
$25K – $500K
Pay back a small percentage of your monthly revenue — nothing more, nothing less. Built for businesses with consistent monthly sales.
Apply for RBF →$10K – $250K
Short-term working capital to cover payroll, inventory, equipment, or any gap in your cash flow. Fast, simple, and direct from us.
Apply for Working Capital →Do You Qualify?
We’re designed for businesses the banks overlooked. If you’ve been operating for over a year and have steady monthly revenue, let’s talk.
1+ Year in Business
Any industry. Any business structure.
$10,000+ Monthly Revenue
Based on average deposits over 3 months.
U.S.-Based Business
Active checking account with U.S. bank.
500+ Credit Score
Credit is a factor, but not the deciding one.
No Open Bankruptcies
Discharged bankruptcy may still be okay.
Talk to a funding advisor in under 2 minutes. We’ll tell you exactly what you qualify for — with zero obligation and no hard credit pull.
Check My Eligibility Free →Why Purple Tree Funding
No broker. No middleman. No weeks of waiting. You deal with us directly — and that means faster answers, better terms, and a real human on your side.
We look at your bank statements and monthly deposits — not your credit score. If your business makes money, you likely qualify.
Approvals in as little as 4 hours. Funds wired same day or by the next business morning. Because your business can’t wait.
You’ll see your factor rate, total cost, and remittance schedule before you sign anything. No surprise fees, no fine print gotchas.
You get a real person — not a call center — who knows your file and answers your calls. We’re with you from application to funded.
Approval Snapshot
Bank Loan Approval Rate for Small Businesses
Purple Tree Funding Approval Rate
Client Success Stories
Don’t take our word for it — here’s what the owners we’ve funded have to say.
“Three banks turned me down in the same month. Purple Tree had money in my account 18 hours after I applied. I don’t know what I would have done without them.”
“My advisor walked me through everything — factor rate, total payback, daily remittances — nothing was hidden. Most transparent funding process I’ve been through. Now on my third advance.”
“I run a trucking company and seasonality hits hard. Purple Tree built a repayment schedule around my slow months. Felt like they actually understood my business, not just my application.”
Common Questions
Everything you need to know before you apply.
What is a Merchant Cash Advance (MCA)?
An MCA is an advance on your future business revenue — not a traditional loan. We purchase a portion of your future sales at a discount and collect a small percentage of your daily or weekly deposits until the advance is repaid. Repayment is tied to your revenue, so you pay more in good months and less in slow ones.
How fast can I get funded?
Most clients receive a decision within 4 hours of applying. Once approved and your contract is signed, funds are wired to your business account — often same day, and always within 24 business hours. We don’t sit on applications.
Will applying hurt my credit score?
No. Our initial qualification process uses a soft pull only — zero impact on your personal or business credit score. A hard pull only occurs if you choose to proceed and sign a contract, and we’ll always notify you first.
What documents do I need to apply?
To get started, all we typically need are your last 3 months of business bank statements, a completed application, and a valid government-issued ID. No tax returns, no financials, no business plan required for most approvals under $150K.
Can I qualify with bad credit or previous declines?
Yes — often. We’ve funded thousands of businesses declined by banks. Our approval decision is primarily based on your monthly revenue and deposit history. If your business generates $10K+ per month, you have a strong chance of qualifying even with a 500 credit score or prior bank declines.
Is Purple Tree Funding a direct lender or a broker?
We are a direct lender. That means we fund deals from our own capital — no broker middleman, no additional fees layered on top, and no waiting for a third party to approve your deal. You deal directly with us from application to funded.
Apply in 60 seconds. Get a decision today. Funds in your account tomorrow.