If your personal credit is 680+, you may qualify for zero-interest capital — funded in as little as 7–14 days. No collateral.
Max Funding
To Funding
APR
The Problem
Traditional bank loans take 60–90 days and most small businesses don't qualify. Merchant cash advances charge 30–50% in fees. Meanwhile, business owners with good credit are sitting on a funding strategy they've never heard of — one that gives them zero-interest capital for up to 18 months.
Bank Loans
60–90 days
Most don't qualify
MCA Loans
30–50% fees
Crushes cash flow
Onrush Funding
0% APR
7–14 days to funding
The Solution
We work with business owners who have strong personal credit to access a proven funding strategy: multiple 0% APR business credit lines, structured and sequenced to maximize your approval amount without hurting your credit score.
No loans
True 0% APR business lines, not debt products.
12–18 months
Interest-free runway to deploy capital.
No equity
Keep 100% ownership of your business.
Qualification
Criteria 01
Have a personal credit score of 680 or higher
Criteria 02
Have been in business for at least 6 months
Criteria 03
Have low credit card utilization (under 30%)
Criteria 04
Need $25,000–$250,000 in working capital
Criteria 05
Are ready to put the capital to work immediately
Not the right fit if your credit score is below 650 or you have recent collections. We can help repair your credit to position you to be fundable.
No impact to your credit. No obligation.