Ribit Capital is a direct MCA funder — and with relationships with multiple top lending partners, we get your business the best deal possible.
As a direct funder with multiple lending partners, we get you the best deal
Complete our simple 2-step online application — basic business info plus upload your last 4 months of bank statements. Done in under 10 minutes.
We Shop Multiple Funders
We fund deals in-house and also submit to our network of lending partners to make sure you always get the strongest offer.
Accept your best offer, e-sign in minutes, and funds are wired directly to your business bank account — often the same day you apply.
"We were approved and funded the same day we applied. The process was completely painless — something I never expected from a business lender."
"My bank turned me down three times. Ribit Capital got us $120K funded in under 48 hours. Complete game changer for our restaurant expansion."
"The team actually explained every offer to me. I felt like I had a real partner, not just someone trying to close a deal. Highly recommend."
"I applied in the morning and had $75,000 in my account by end of day. Ribit Capital made something I thought would take weeks happen in hours."
"Bad credit and all — they still found me a great offer. I was shocked. My salon is fully renovated now and business has never been better."
"No paperwork headaches, no waiting weeks. Ribit Capital is the real deal. Already used them twice and will absolutely use them again."
"Ribit Capital got me three competing offers within 4 hours. I picked the best one and had funds deposited the same afternoon. Incredible service."
Ribit Capital funds deals directly in-house and works with a network of top lending partners. We bring you the strongest offer — whether it comes from our partners or us.
Banks say no. Other lenders limit your options. As a direct funder with multiple lending partners, we always get you the most competitive offer.
| Services | Bank | Other Platforms | 🛡 Ribit Capital BEST |
|---|---|---|---|
| Time to Funding | 30–90 days | 3–7 days | Same Day – 24hrs |
| Application Process | 2–4 hours | 1–2 hours | Under 10 minutes |
| Loan Network | ✕ Single lender | ~ Limited | ✓ 50+ Funders |
| Annual Requirements | 2+ Years | 1+ Year | 3+ Months |
| Renewal Applications | ✕ Full process | ~ Varies | ✓ Streamlined |
| Bad Credit Options | ✕ | ~ Limited | ✓ 500+ Accepted |
| Types of Loans | 2–3 | 3–5 | 8+ Products |
Ribit Capital funds deals directly — and where needed, taps our network of top lending partners. Either way, we work for you to close the best deal.
No tax returns, no business plans, no collateral. Getting funded through Ribit Capital only requires two simple things — and we walk you through the whole process.
Capital repaid as a percentage of daily sales. No fixed payments — repayment flexes with your revenue.
$5,000 – $2,000,000Draw what you need, repay, and draw again. Flexible access to capital for ongoing business needs.
$10,000 – $500,000Fixed daily or weekly repayments over 3–18 months. Predictable costs, fast approval.
$10,000 – $750,000Unlock cash tied up in unpaid invoices. Get up to 90% of your receivables in advance.
Up to 90% of invoiceFinance the equipment your business needs without draining working capital.
$5,000 – $500,000We help navigate SBA programs for businesses that qualify for lower long-term rates.
$50,000 – $5,000,000