Your business moves fast. So does your funding.

Access $10k-$2M in working capital without the red tape of traditional lending. No collateral. No lengthy approval process. No disruption to your operations.

Funding from $10,000 - $2,000,000
24 hour approvals
All credit profiles considered
No collateral required
Flexible funding options

Decisions in as little as 24 hours

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Trusted by Industry Leaders

The Process

From application to funded in as little as 24 hours

We've stripped out everything that slows traditional lenders down. Our process is designed to move at the pace your business actually operates.

1

Submit Online App

Answer a handful of straightforward questions about your business. No tax returns, no lengthy paperwork—not at this stage

2

Speak with Your Advisor

A dedicated funding specialist reviews your profile and calls you within hours. They present your real options—transparently and without pressure.

3

Choose Your Offer

Compare terms. Pick what fits. We'll collect the minimal documentation needed to finalize—typically just 3 months of bank statements.

4 Capital in Your Account

Once approved, funds are wired directly to your business account—often same business day. Then get back to running your business.

Funding Solutions

Built around how your business actually operates

Cookie-cutter loan products don't fit every business. We offer multiple structures so the money works the way your cash flow does.

Small Business Loans

Equipment Financing

Business Line of Credit

Business Cash Advance

Business Expansion

Working Capital Funds

Invoice Factoring

SBA Loans

From Funded Businesses

Real business owners. Real outcomes.

We don't manufacture results. These are the kinds of conversations we have every week.

Marcus T.

"We had a large wholesale order come in and not enough inventory to cover it. I applied on a Tuesday morning, got a call back within two hours, and had $85k in my account by Thursday. That order alone covered the advance twice over."

Lena R.

"My bank had me waiting three months for a decision on a $40k loan. I came to Pyn Capital, was funded $120k in under 48 hours, and opened a second location three months later. My bank still hasn't called back."

Derel W.

"I was skeptical, I've been burned by predatory advance companies before. The advisor at Pyn walked me through every number on the offer before I signed anything. No surprises, no hidden terms. Six months in, we renewed."

Common Questions

Straightforward answers to the questions we hear most.

We believe you should understand exactly what you're signing up for before you sign anything.

Will applying hurt my credit score?

No. The initial application uses a soft pull only, which has no impact on your credit score. A hard inquiry is only conducted if you accept a formal offer and request final underwriting — and even then, we'll tell you before we run it.

How quickly can I actually receive funds?

For merchant cash advances and lines of credit, most approved applicants receive funds within 24–48 hours of signing. In some cases, same-day wire transfers are available. Term loans typically fund within 2–3 business days due to additional verification steps.

What documents do you require?

For most products, we start with just 3 months of recent business bank statements. That's it for the initial review. Larger advances or term loans may require a voided check, a copy of your driver's license, and occasionally 3–6 months of credit card processing statements.

I have existing debt, can I still qualify?

Existing business debt does not automatically disqualify you. We evaluate the full picture — revenue trends, cash flow, and your overall debt-service coverage. In some cases, we can consolidate existing positions. Your advisor will walk through this with you.

What is a factor rate and how does it work?

A factor rate is a multiplier applied to your advance amount to determine your total payback. For example, a $50,000 advance at a 1.25 factor rate means you repay $62,500 total. Unlike interest rates, factor rates are fixed — the total doesn't grow if it takes longer to repay, and there's no benefit to early repayment on some products. Your advisor will explain this clearly before you commit.

Is there a prepayment penalty?

It depends on the product. Merchant cash advances are structured differently from term loans — most MCA products do not carry prepayment discounts (since the total is fixed at origination), while our term loan products are structured with no prepayment penalties. Ask your advisor to clarify this on any specific offer.

Ready to Move?

Capital shouldn't be the bottleneck in your growth.

Thousands of businesses have used working capital to seize the opportunity in front of them. Your application takes less than two minutes and won't affect your credit.