Access $5,000 to $5,000,000 in business funding with our network of 50+ trusted lenders. Fast approvals, flexible terms, and funding designed for your success.
Our streamlined process gets you from application to funding faster than traditional lenders
Complete our fast & easy online application in just 5 minutes. No paperwork, no hassle.
Receive multiple funding offers within minutes. Compare rates, terms, and choose what works best.
Accept your offer and receive funding as fast as 24 hours. $5,000 to $5,000,000 available.
We offer a variety of financing solutions tailored to meet your unique business needs
Acquire essential equipment without large upfront costs. Preserve cash flow with manageable monthly payments.
Quick access to cash for daily operations, inventory, payroll, or seizing growth opportunities.
Access funds when you need them. Only pay interest on what you use, with the flexibility to borrow repeatedly.
Turn unpaid invoices into immediate cash. We handle collections while you focus on growing your business.
Traditional business loans with fixed payments and predictable terms. Ideal for planned investments and expansion.
Government-backed loans with favorable terms and lower interest rates. Perfect for long-term business growth.
Commercial real estate loans for property acquisition, development, or investment opportunities.
Accept payments seamlessly with competitive rates. Integrated solutions for modern businesses.
Unlike traditional banks that focus on your credit score, we evaluate your business based on its actual performance. Our network of 50+ lenders means more options and better chances of approval for you.
We look at your business metrics, not just your credit score
Decisions in minutes, funding in as fast as 24 hours
Real people ready to help every step of the way
We've built exclusive partnerships with over 50+ lenders to ensure you get the best possible options
Investing in relationships brings mutual prosperity. Our partnerships ensure the best services available for our customers.
Cowboy Business Funding partners with leading lenders to provide small business financing solutions. We believe every business deserves access to the capital it needs to grow, regardless of credit history.
We evaluate your business based on its actual performance, not just personal credit. Our quick and easy process to borrow money means we will jump through hoops to give your business the funds it needs to grow today.
To help small businesses access the funding they need to thrive
Performance-based evaluation, not credit-score dependent
Get answers to the most common questions about our funding process
Yes! If you have poor personal credit, or even have filed previously for bankruptcy, we can still provide you with working capital. We approve over 90% of applicants who meet two simple criteria: minimum three months in business and monthly sales exceeding $4,000.
It is your money for your business, so you can use it however you see fit! Common uses include payroll, renovations, inventory management, expansion, equipment purchases, marketing, and various business expenses.
Our requirements are simple: minimum 3 months in business, minimum $5,000 monthly revenues, and your business must be U.S.-based. That's it!
Simply hit the "Apply Now" button and fill out the application. It takes about 5 minutes to complete, and you'll receive funding offers within 24 hours of submitting your full application.
No, we are the bridge between you and success! We partner with over 50+ lenders to find you the best funding options based on your unique business situation. This gives you access to more options than going to a single lender.
Typically, approval is within 48 hours after we receive your full application, but it can take up to 72 hours depending on documentation speed and funding amount requested. Many applicants receive offers within minutes!
Join 10,000+ businesses who have received over $2 billion in funding through our network
Have questions? Our funding specialists are ready to help you find the perfect financing solution for your business.