Capital for businesses that don't wait.
18 Funding underwrites and funds every deal with our own capital. One application, one decision-maker, and funding in as little as a day.
Financing structured around how your business earns.
From same-day working capital to purchase order and asset-based facilities, every product is underwritten and funded in-house. Compare solutions
Revenue-based financing
Funding sized to your monthly revenue with fixed daily or weekly payments. Our fastest product.
- Amount
- $5K–$500K
- Term
- 1–10 months
- Funding
- Same day
Purchase order financing
We pay your supplier so you can deliver large customer orders without tying up working capital.
- Amount
- $5K–$500K
- Term
- 30–120 days
- Funding
- 3–5 days
Asset-based financing
Financing secured by the assets on your balance sheet, sized to the value of your collateral.
- Amount
- $5K–$500K
- Term
- 6–36 months
- Funding
- 5–10 days
Equipment financing
Finance vehicles, machinery, and technology over longer terms while keeping cash in the business.
- Amount
- $5K–$500K
- Term
- 6–24 months
- Funding
- 2–5 days
No middle layer between you and the money.
Most online business funders are marketplaces that resell your application. 18 Funding is the capital source, which changes what you pay and how fast you hear back.
- Your information is never shopped to other funders.
- No broker commission built into your cost.
- A named underwriter from application to funding.
| Broker marketplace | 18 Funding | |
|---|---|---|
| Who decides | Third-party funders | Our in-house underwriters |
| Your application | Sent to multiple funders | Stays with one funder |
| Broker commission in cost | Often | None |
| Point of contact | Sales rep relaying answers | Direct underwriter line |
| Offer vs. funded terms | Can change after approval | The offer you sign is funded |
From application to funded, often in one day.
Three steps, one point of contact, and written terms before you commit to anything.
Apply in minutes
Complete a short application and connect or upload four months of business bank statements. Credit check included in review.
Review your offer
An 18 Funding underwriter reviews your file and calls you directly with written terms, typically within one business day.
Get funded
Sign electronically and receive funds by wire or ACH, often the same day your agreement is signed.
See what you may qualify for.
Move the slider to your average monthly revenue. It takes seconds and doesn't touch your credit.
Estimates are based on revenue and time in business only. Your actual offer depends on a full review of your bank activity and existing obligations.
Illustrative estimate only. Not an offer, approval, or commitment to fund.
Built for the businesses that keep cities running.
We fund established operators across dozens of industries nationwide. All industries
Restaurants & hospitality
Renovations, equipment, and seasonal cash flow.
Construction & trades
Bridge progress payments and fund new jobs.
Trucking & logistics
Fuel, repairs, and fleet expansion.
Retail
Inventory buys ahead of peak season.
Medical & dental
Equipment upgrades and practice expansion.
Auto services
Lifts, diagnostics, and parts inventory.
Salons & wellness
Build-outs, product, and staffing.
Manufacturing
Raw materials and production equipment.
Send us your files. We fund them directly.
Competitive commissions, fast decisions, and an underwriter who picks up the phone. Submissions go straight to our in-house team.
Become a partnerStraight answers.
Still have questions? Call (917) 590-3987 and speak with our team directly.
What does it mean that 18 Funding is a direct funder?
We underwrite and fund with our own capital. Your application is not shopped to a network of other funders, and the people you speak with are the people who make the decision.
Do you run a credit check?
Yes. A credit check is part of our review, alongside your bank activity, cash flow, and time in business. Business performance carries the most weight in our decisions.
How quickly can I receive funds?
Many revenue-based financing deals are approved within 24 hours of a complete file and funded the same day. Purchase order, asset-based, and equipment financing typically take three to ten business days.
What documents do I need to apply?
A completed application and your last four months of business bank statements. Depending on the product and amount, we may also request a driver's license, a voided check, an equipment quote, or recent tax returns.
What can I use the funds for?
Any legitimate business purpose, including inventory, payroll, equipment, marketing, renovations, hiring, or refinancing.