Business capital
in 24 hours.
$10K to $500K in working capital. No collateral, no fixed terms. AI-matched to the best funder for your business.
Check Your Rate$500K
Max Funding
24h
Time to Fund
85%
Approval Rate
$0
Upfront Fees
How It Works
Three steps to capital
Step 01
Tell us about your business
Revenue, industry, and how long you've been operating. Takes under 2 minutes.
Step 02
Connect your bank
Securely link your business bank account via Plaid. We never store credentials.
Step 03
Get funded
Our AI scores your business and matches you with the best funder. Capital as fast as 24 hours.
Why businesses choose Loam
Fast capital
Approvals in minutes, funding in as little as 24 hours.
Not a loan
MCAs are future revenue purchases — no personal collateral, no fixed term.
Flexible repayment
Automatic daily or weekly remittance tied to your revenue.
All industries
Restaurants, e-commerce, contractors, medical practices, and more.
Funding FAQ
What is a Merchant Cash Advance?▾
An MCA is not a loan. A funder purchases a portion of your future receivables at a discount. Repayment is automatic and tied to your daily revenue, so it flexes with your business.
How much can I get?▾
Funding amounts range from $10K to $500K depending on your monthly revenue, time in business, and bank activity.
What are the requirements?▾
At least $20K/month in revenue, 6+ months in business, and an active US business bank account.
How fast is funding?▾
Most approvals happen within hours. Funding can hit your account in as little as 24 hours after approval.
Does this affect my credit score?▾
No. MCA applications do not require a hard credit pull. We analyze your bank activity, not your FICO score.