Business Funding
Fast, flexible capital for operating businesses
Fintech-based small business funding built for owners who need working capital on a business timeline — not a bank committee's.
Apply NowFeatured Business Funding Product
Bankroll
The Ultimate Revolving Line of Credit
Your business needs access to capital that can move when your business moves. Bankroll is a revolving line of credit that allows qualified business owners to draw funds, repay principal, and access available funds again during the revolving period.
Use it for equipment, inventory, renovations, expansion, seasonal expenses, operating capital, or unexpected business opportunities.
Revolving Access
Eligible payments and principal paydowns restore available funds during the revolving period.
Predictable Payments
Fixed terms and weekly payments provide a more predictable repayment structure.
Built for Business Growth
Access capital for business needs and opportunities without giving up ownership in your company.
Bankroll is offered, underwritten, and funded by ARF Financial. FBS Commercial Capital assists clients with program education, application preparation, document collection, and the funding process and may receive compensation from ARF Financial on successfully funded transactions. All financing is subject to ARF Financial's underwriting, approval, program guidelines, and availability. Terms and qualifications may vary.
Up to $1.5M*
Available credit line
24-48 hrs*
Typical approval timeline
30+ days*
Minimum time in business
How fintech funding works
Fintech lenders underwrite from your business's actual cash flow. Instead of a months-long bank package, you share a few months of bank statements and basic business details, and the platform reads the deposit history to size an offer.
Because the analysis is automated, decisions come back in hours instead of weeks. Terms vary by structure — a fixed-term loan, a revolving line of credit, or a revenue-based advance — and the right one depends on how predictable your receipts are.
We compare offers across multiple funding sources, translate the pricing into plain cost-of-capital terms, and tell you when the answer is to wait. This is intentionally a simple, single-track program: one conversation, one application, clear options.
Benefits
- Approvals driven by revenue, not just credit score
- Funding in as little as 24-72 hours
- No real estate collateral required
- Minimal documentation — bank statements, not tax packages
- Use of funds is yours: payroll, materials, equipment, marketing
- Multiple structures: term loans, lines of credit, revenue advances
Who it's for
- Contractors and trades waiting on receivables
- Service businesses funding payroll through a growth push
- Retail and hospitality covering seasonal inventory
- Operators buying equipment without tying up a bank line
- Owners who were declined by a traditional bank
Frequently Asked Questions
Frequently Asked Questions About Business Funding
Need capital in the business this week?
Send a few details and we'll tell you what's realistic — amount, structure, and timing.
Apply Now