ByzFunder

ByzFunder is a New York-based nonbank lender offering merchant cash advances and bridge capital to small and mid-size businesses across the United States. Its underwriting is built around revenue rather than credit score — there's no stated minimum credit score requirement, which opens the door for businesses that don't qualify through traditional channels. You'll need at least a year in business and $12,500 in monthly revenue. Financing runs from $5,000 to $500,000, with most applicants receiving a decision within three hours and funding within 24 hours. Backed by institutional capital and carrying a strong reputation among the businesses it serves, ByzFunder appears well suited for owners who need working capital quickly and want an alternative to conventional bank lending.