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How Ribit Capital a Gets You Funded

As a direct funder with multiple lending partner relationships, we’ve simplified the entire funding process down to a few easy steps. No bank appointments, no months of waiting — just fast capital from multiple top funders competing for your business.

1

Fill Out Your Application

Complete our simple online form in under 5 minutes. We need basic info about your business — name, industry, monthly revenue, how long you've been operating, and how much funding you need.

⏱ Takes 5 minutes
2

Upload Your Bank Statements

Upload your last 4 months of business bank statements in PDF format. This is what our funders use to evaluate your cash flow and make offers — no tax returns, no business plans needed.

📄 PDF format only
3

We Shop Multiple Funders

We first look to fund your deal in-house, and also submit to our network of lending partners simultaneously — so you always get the strongest offer.

🏦 50+ funders in our network
4

Accept & Get Funded Same Day

Once you choose the offer that works best for your business, e-sign the agreement and funds are wired directly to your business bank account. Often funded the same day you apply.

💸 Same day funding available

Do You Qualify?

  • ✓3+ months in business
  • ✓$10,000+ monthly revenue
  • ✓Active business bank account
  • ✓US-based business
  • ✓No open bankruptcies
  • ✓Credit score 500+
Apply Now — It's Free →

Average Funding Timeline

Application Review < 2 hours
Funder Offers Back 2–4 hours
Funds Deposited Same day

Common Questions

Everything You Need to Know

Have questions before you apply? Here are the ones we hear most often.
Do I need good credit to qualify?
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No. We primarily evaluate your business revenue and bank history. Most of our funders approve businesses with credit scores as low as 500. Your monthly cash flow matters far more than your credit score.
How fast can I actually get funded?
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Same-day funding is possible and common for many of our clients. Most deals close within 24 hours of submitting a complete application with all required documents.
What's the maximum funding amount?
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Funding amounts range from $5,000 up to $2,000,000 depending on your monthly revenue, time in business, and the specific funding product. Most businesses qualify for 1–1.5x their monthly revenue.
Is there any cost to apply?
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Zero cost. Applying is completely free and there is no obligation to accept any offer we bring you. We earn a commission from the funder — never from your business.
Why do you need bank statements?
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Bank statements let our funders see your actual cash flow — deposits, withdrawals, and average daily balances. This is what they base their offer on, which is why we don't need tax returns or financials.
What industries do you work with?
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We work with virtually all business types — restaurants, retail, healthcare, trucking, construction, salons, e-commerce, auto repair, gyms, and many more. If your business has revenue, we can likely find you funding.
What is an MCA broker?
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Ribit Capital is a direct MCA funder that also maintains relationships with multiple top lending partners. This means you get in-house speed plus the competitive advantage of multiple offers.
Can I apply if I was denied by a bank?
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Absolutely. Most of our clients have been turned down by traditional banks. MCA funding is based on your business performance, not whether a bank thinks you're creditworthy. Apply and see what we can do.

Get Started on Your Business Funding Today

Apply in under 10 minutes. We work with multiple funders to get you the best deal — with same day funding available. Free to apply, no obligation to accept.
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