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(800) 900-8108
(800) 900-8108
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Working capital — without the wait

We make business financing simple, fast, and built around you—so you can handle payroll, stock inventory, or seize new opportunities without slowing down.
Apply in minutes.
Get a decision in hours.
Access $25K–$2M in flexible funding built around your business cash flow.
Apply in Minutes — See If You qualify
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How much capital are you looking for?

Just an estimate — we'll customize options to your business after review.

How long have you been operating?

We work with new and established businesses alike.

What's your average monthly revenue?

Provides insight into your business's cash flow.

Need at least $25K/month to continue. Pick another option.

What's your estimated credit score?

This question won't affect your credit score.

Final step — your business details

Your information stays private and is used only to complete your funding request.

By submitting this form, I agree that Hello Funding LLC may contact me by phone and email about my funding inquiry, and I acknowledge that I’ve reviewed and agree to Hello Funding’s Terms & Conditions and Privacy Policy.

By checking this box, I agree that Hello Funding LLC may contact me by call, text, or email about my funding inquiry, including calls or texts made using an automatic telephone–dialing system or prerecorded voice.

Message frequency varies. Msg & data rates may apply. Text STOP to cancel, HELP for help. Consent isn’t required to apply for or receive funding. I confirm I’m the subscriber or customary user of the number provided.
Fast response
Straightforward process
Real person

We’re Sorry — You Don’t Meet Our Minimum Qualifications Yet

To qualify for business funding through Hello Funding, your business must generate at least $25,000 in monthly revenue deposited into its business checking account.

If you believe you selected the wrong amount or your figures have changed, please try again below — we’d love to reassess your eligibility.

Select other option
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WHY CHOOSE HELLO FUNDING

Fast, flexible Funding for your business

Beyond bank limits

We look past credit scores to real potential — funding for strong businesses banks ignore.

Fast funding

Funding in as little as 4 hours after approval — no waiting, no red tape, just momentum for your business.

Funding built around you

Offers built around your revenue, goals, and timeline — from cash-flow boosts to strategic capital that scales with you.

Transparent terms

Clear pricing. Straightforward costs. No hidden fees — just honest funding you can trust.
1 min
Pre-qualify online
4 hrs
Approval for qualified
applications
4 hrs
Funds disbursed after approval

From application to funding — simplified

Step 1
See if you qualify
Share a few business details — it takes less than a minute. No paperwork or credit pull; we'll start your funding review right away.
Step 2
Connect with a funding specialist
A specialist reviews your info and calls to understand your goals. If you qualify, you'll receive a simple one-page application to continue.
Step 3
Finalize your application
Complete the one-page form so underwriting can review and prepare your approval. Your specialist keeps the process fast, clear, and completely transparent.
Step 4
Sign & fund fast
Review and e-sign final paperwork — most approvals fund within 4 hours (eligible applications). Funds land directly in your business account.

What you'll need to qualify

6+

months in business

$10K+

monthly revenue

550+

credit score

Active

business bank account
Don't meet every requirement?
Apply anyway. We fund potential, not perfection.
Apply

Funding options for every business need

View all funding options
$25K – $2M | 3 – 18 months

Working capital (MCA)

Fast, flexible working capital through a Merchant Cash Advance (MCA) with revenue-based repayment that adjusts to your sales.
Learn more
Up to $2M | Revolving

Business lines of credit

On-demand capital that grows with your business. Draw, repay, and reuse — pay interest only on what you access.
Learn more
$25K – $2M | 1 – 10 years

Term loans

Stable, long-term capital for expansion or major investments. Fixed rates and predictable payments make growth planning simple.
Learn more
$25K – $2M | Up to 10 years

Equipment financing

Acquire or upgrade essential equipment while preserving cash flow. Assets secure the funding — keeping approvals quick and straightforward.
Learn more
$50K – $5M | up to 25 years

SBA loans

Government-backed financing with lower rates and longer terms. Designed for established businesses ready to scale with confidence.
Learn more
View all funding options

Beyond the banks.
Built for business.

Traditional banks

HelloFunding

Weeks or months for approval
Fast decisions; same-day funding*
Requires top-tier credit
550+ credit scores accepted
Endless paperwork
Online application — done in minutes
Collateral required
Most programs need no collateral
One-size-fits-all loans
Funding tailored to your business
Impersonal, rigid process
Dedicated funding specialist
Limited product range
Flexible funding programs
*For eligible applications; timing may vary by lender and application details

We fixed what the banks broke

HelloFunding was founded on a simple truth: securing capital should be defined by clarity, speed, and simplicity — not confusion and delay. Too often, business owners are met with endless paperwork, vague terms, and weeks of waiting that stall growth.

We built Hello Funding to change that. As a national business-funding company, we combine modern technology with real human expertise to deliver fast, transparent funding solutions that business owners can trust — quickly, responsibly, and without the friction they’ve come to expect from traditional finance.

Our approach is grounded in the same principles that define our leadership: trust, accountability, and professionalism. Every decision we make is about helping business owners move forward with confidence — and funding that truly works for them.

‍So they can do what they do best: run their business, not chase their bank.
Founder & CEO, Hello Funding

Jacob W. Botha

Jacob W. Botha is the Founder and CEO of Hello Funding, a national business‑funding company redefining how small businesses access capital.

Before launching Hello Funding, Jacob built his career i...
Read more

Success stories from HelloFunding clients

“Hello Funding helped us secure working capital right when seasonal demand spiked. The process was fast and straightforward.”
Mike R.
HVAC Contractor - Phoenix, AZ
“When unexpected jobs stacked up, Hello Funding helped us access capital quickly without slowing down operations.”
Sara L.
Plumbing Company Owner - Dallas, TX
“Traditional lenders moved too slowly for our needs. Hello Funding helped us find a financing option that worked for our business.”
Daniel P.
Electrical Contractor - Tampa, FL
“Hello Funding connected us with flexible financing so we could take on larger projects without cash flow stress.”
Robert M.
General Contractor - Denver, CO
“Roofing is weather-driven, and timing matters. Hello Funding helped us access capital when we needed it most.”
Chris T.
Roofing Contractor - Atlanta, GA
“From payroll to inventory, restaurant cash flow can be unpredictable. Hello Funding helped us stay ahead during busy periods.”
Lisa K.
Restaurant Owner - Chicago, IL
“Hello Funding helped us secure capital to grow without disrupting day-to-day operations.”
Javier S.
Food Service Operator - Los Angeles, CA
“Hello Funding helped us explore financing options to support practice growth without lengthy delays”
Amanda W.
Medical Practice Manager - Scottsdale, AZ
“Hello Funding helped us secure $125K to launch a second location. Their team understood our business model and made the process painless. We’ll be returning for our next expansion.”
Jasmine D. Copy
Co-Owner, Olive & Oak Interiors – Chicago, IL
“Hello Funding helped us secure $125K to launch a second location. Their team understood our business model and made the process painless. We’ll be returning for our next expansion.”
Jasmine D.
Co-Owner, Olive & Oak Interiors – Chicago, IL
“The speed blew me away. I applied on a Tuesday and had funds in our account Wednesday. The process was clean, transparent, and exactly as promised.”
Vincent L.
Owner, Metro Detailing Services – Los Angeles, CA
“From start to finish, the team was professional and incredibly responsive. We signed the docs electronically and received the wire the next morning. Fast, honest, and efficient.”
Rachel C.
CEO, Northpoint Media – Tampa, FL
“Our seasonal sales dropped, and we needed quick working capital to keep things moving. Hello Funding came through when banks wouldn’t even return my calls.”
Brian S.
Partner, Summit Outdoor Supply – Reno, NV
“I’d worked with other financing companies before, but none matched the transparency here. Every step was explained, and I always knew what to expect. That’s rare in this industry.”
Anita R.
Owner, Riverside Dental Care – Portland, OR
“We were growing faster than expected and needed capital to hire two more drivers. Hello Funding reviewed our statements and had us funded within 24 hours. Couldn’t have asked for a smoother process.”
Derek W.
Founder, SwiftHaul Logistics – Dallas, TX
“Hello Funding made everything straightforward. I filled out the form in the morning, and by that afternoon we had an approval. The communication was clear and the funds hit our account the next day.”
Lauren H.
Owner, Blue Harbor Café – Charleston, SC
“Hello Funding helped us secure working capital right when seasonal demand spiked. The process was fast and straightforward.”
Mike R.
HVAC Contractor - Phoenix, AZ
“When unexpected jobs stacked up, Hello Funding helped us access capital quickly without slowing down operations.”
Sara L.
Plumbing Company Owner - Dallas, TX
“Traditional lenders moved too slowly for our needs. Hello Funding helped us find a financing option that worked for our business.”
Daniel P.
Electrical Contractor - Tampa, FL
“Hello Funding connected us with flexible financing so we could take on larger projects without cash flow stress.”
Robert M.
General Contractor - Denver, CO
“Roofing is weather-driven, and timing matters. Hello Funding helped us access capital when we needed it most.”
Chris T.
Roofing Contractor - Atlanta, GA
“From payroll to inventory, restaurant cash flow can be unpredictable. Hello Funding helped us stay ahead during busy periods.”
Lisa K.
Restaurant Owner - Chicago, IL
“Hello Funding helped us secure capital to grow without disrupting day-to-day operations.”
Javier S.
Food Service Operator - Los Angeles, CA
“Hello Funding helped us explore financing options to support practice growth without lengthy delays”
Amanda W.
Medical Practice Manager - Scottsdale, AZ
“Hello Funding helped us secure $125K to launch a second location. Their team understood our business model and made the process painless. We’ll be returning for our next expansion.”
Jasmine D. Copy
Co-Owner, Olive & Oak Interiors – Chicago, IL
“Hello Funding helped us secure $125K to launch a second location. Their team understood our business model and made the process painless. We’ll be returning for our next expansion.”
Jasmine D.
Co-Owner, Olive & Oak Interiors – Chicago, IL
“The speed blew me away. I applied on a Tuesday and had funds in our account Wednesday. The process was clean, transparent, and exactly as promised.”
Vincent L.
Owner, Metro Detailing Services – Los Angeles, CA
“From start to finish, the team was professional and incredibly responsive. We signed the docs electronically and received the wire the next morning. Fast, honest, and efficient.”
Rachel C.
CEO, Northpoint Media – Tampa, FL
“Our seasonal sales dropped, and we needed quick working capital to keep things moving. Hello Funding came through when banks wouldn’t even return my calls.”
Brian S.
Partner, Summit Outdoor Supply – Reno, NV
“I’d worked with other financing companies before, but none matched the transparency here. Every step was explained, and I always knew what to expect. That’s rare in this industry.”
Anita R.
Owner, Riverside Dental Care – Portland, OR
“We were growing faster than expected and needed capital to hire two more drivers. Hello Funding reviewed our statements and had us funded within 24 hours. Couldn’t have asked for a smoother process.”
Derek W.
Founder, SwiftHaul Logistics – Dallas, TX
“Hello Funding made everything straightforward. I filled out the form in the morning, and by that afternoon we had an approval. The communication was clear and the funds hit our account the next day.”
Lauren H.
Owner, Blue Harbor Café – Charleston, SC

Questions?
We've got answers

View full FAQ
How fast can I get funded?
Most approvals happen within 24 hours, and funds are typically released within 24–48 hours after approval. Some same-day funding options are available for eligible files.
What credit score do I need?
We work with credit scores as low as 550 and review your entire business profile — not just your credit history.
Do I need collateral?
Most programs require no collateral. Your business revenue and bank statements are usually enough to qualify.
What can I use the funds for?
Nearly anything your business needs — payroll, inventory, equipment, marketing, expansion, or day-to-day working capital.
How much does it cost?
Rates and terms vary by lender, loan type, and your business profile. We provide transparent pricing before you commit — no surprises.
Can I get funding with bad credit?
Yes. We specialize in helping businesses with credit challenges find the right solution.

Ready to get the Funding your business needs?

Join thousands of business owners who’ve secured fast, flexible financing through Hello Funding. See what you may qualify for in just 60 seconds — no obligation, no impact to your credit.
Get Funding Started
(800) 900-8108
We’ve received your details and we’re on it.
Thank you — we've received your information
What happens next:
A specialist will review your details shortly during business hours.
You'll get a quick call to discuss your options.
Keep your phone handy — we move fast.
Continue to Complete Your Full Application
Takes 2–3 minutes and helps us finalize your approval faster.