Capital that keeps pace
Turn future revenue into growth today.
$250K–$15M
Funding amount
Flexible terms
Tied to revenue cycles
24–48 hrs
Time to fund
What is it?
Cash flow financing fuels growth.
Cash flow financing gives you upfront funding based on how your business performs, not how much collateral coverage you have.
It’s designed for companies that are scaling fast and need capital that keeps up. You’ll repay over time in a way that matches your revenue cycle, so payments stay manageable and reflect how your business is doing.
Growth capital built around performance.
Why get it?
Funding at your pace.
01
Unlock funding fast
Get capital based on cash flow, not assets.
02
Personalized payments
Repay through flexible terms tied to your revenue cycle.
03
Keep your ownership
Fund growth without sacrificing equity.
04
Use without restrictions
Tap into funds for any business-related expenses.
Compare your options
Business line of credit vs. cash flow financing
| Feature | Business Line of Credit | Cash Flow Financing |
|---|---|---|
| Type | Revolving credit | Lump sum funding |
| Payments | Weekly and monthly | Weekly and monthly |
| Flexibility | Withdraw as needed | Fixed funding, flexible repayment |
| Cost | Interest only on outstanding amount | Flat cost, no prepayment penalties |
From a business owner
“Excellent service, fast response, and funding in the timely way that business requires.”
Funds as you need them
Keep moving while revenue catches up.
01
Apply securely
Share a few details about your business and funding needs.
02
Connect with an advisor
Work with our team to understand the right structure for your plans.
03
Receive your money
Access the capital you need with a funding plan built around your business.
Your eligibility
Have these two? You’re set.
Craft Capital focuses on your performance and potential, not outdated financial metrics.
- At least $500,000 in annual revenue.
- At least 1 year in business.
What do I need to provide?
Required documents.
Have this information on hand and you’re all set.
- Business formation documents
- Bank statements (6 months)
- Business tax returns
- Financial statements
Built for real businesses
Capital for the next phase of work.
Construction
Cover upfront costs while waiting for contract payments.
Wholesale & Distribution
Manage large bulk purchases and supplier payments.
Transportation & Logistics
Keep cash flow stable for fuel, maintenance, and new routes.
Manufacturing
Support equipment purchases and large production runs.
Questions, answered
Cash flow financing FAQs
Who should consider cash flow financing?
Businesses that need fast access to capital and have steady revenue streams are ideal candidates. It can be a fit for companies investing in growth opportunities, managing seasonal revenue cycles or delayed payments, or looking for working capital without offering equity or collateral.
What are the types of cash flow financing?
There are two main types. Term-based financing provides a lump sum that is repaid over a set schedule, usually with payments tied to your cash flow outlook. Revolving credit access provides a flexible line you can draw from as needed, with repayments based on usage and available cash flow.
What is an example of cash flow financing?
Cash flow financing gives your business access to capital based on how the business performs, not just on asset coverage. For example, a construction company can bridge the gap between project costs and contract payments, while a distributor can place a bulk inventory order before peak season.
How can cash flow financing be used in my industry?
Cash flow financing can cover upfront construction costs, large wholesale purchases, transportation and logistics expenses, or equipment and production needs in manufacturing.
Can I get same-day cash flow financing?
Funding timelines are based on your business and application. Cash flow financing can provide access to capital on a timeline that fits your needs, often within 24–48 hours.
Let’s talk funding
Get the capital you need to grow your business.
Ready to take the next step? Let’s get you funded.