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.
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.
