$5K to $500K in structured business capital — including lines of credit, term financing, working capital, and revenue-based solutions. Decisions as fast as 24 hours. No upfront fees.
No hard credit pull · No upfront fees · Decisions as fast as 24 hours
Banks make decisions based on credit history. We look at how much your business makes, how long you've been operating, and how money moves through your accounts. That's how we find the right funding offer — faster, and for businesses banks often turn away.
Funding amounts and timeframes shown reflect available programs and are not guaranteed. Availability varies by state and partner program.
Built by professionals with years of experience in business funding, BlackRidge brings a modern, technology-driven approach to connecting businesses with independent financing providers.
After years in the alternative funding industry, we saw business owners applying to the wrong lenders over and over. We built BlackRidge to make the process smarter — by combining experienced advisors with smart matching technology that pairs each business with the funders whose criteria best fit their profile.
— THE BLACKRIDGE FOUNDING TEAMFour products built around real business revenue — not how banks prefer to lend.
Structured capital for growth, equipment, and one-time opportunities. Fixed terms, predictable payments. Built for planned expansion.
Draw when needed, repay, draw again. Revolving access to capital for payroll, inventory, and recurring gaps. Pay only on what you use.
Bridge the gap between expenses and receivables. For contractors, freight operators, and seasonal businesses that can't wait on traditional lending.
Access capital against future revenue. Repayment scales with your daily sales — ideal for restaurants, retail, and high-volume operators.
We work with most industries across most US states. If your business generates revenue, we want to hear from you.
We look at business performance — not just your credit score. Cash flow and trajectory matter most. Most established businesses qualify in minutes.
Check Eligibility →From application to funded — decisions as fast as 24 hours. No runaround.
Quick application with basic business info. Under 5 minutes. No commitment, no impact to credit to check eligibility*.
A funding decision tailored to your business — often within 24 hours. We look at revenue and performance.
Transparent terms, clear repayment structure. No hidden fees, no surprises. You decide, no pressure.
Funds in your account within days. Put capital to work — grow, hire, expand, stabilize.
No — BlackRidge Funding LLC is a capital advisory and marketplace platform, not a lender. We match your application with independent third-party financing providers who review, approve, fund, and set the terms of each transaction. Our job is to get your file in front of the funders best suited to your business and help you compare the offers that come back.
It depends on the product, your revenue, time in business, and the funder's offer. Some products use interest rates; others (like revenue-based advances) use factor rates, which work differently from APR. Before you sign anything, your advisor walks you through the total payback amount in plain dollars — so you know exactly what the capital costs. There are never upfront fees to apply or check eligibility.
Checking eligibility may use a soft credit inquiry, which does not impact your credit score. A hard inquiry would only occur later in the process with certain funders, and you'd know before that happens.
Decisions come back as fast as 24 hours on complete applications. Once you accept an offer, funds typically land in your account within a few business days. The biggest factor in speed is having your documents ready — a completed application plus your most recent business bank statements.
Basic business information and your most recent 3–4 months of business bank statements (PDFs from your bank, not screenshots). That's usually enough for an initial decision. Certain funders or states may request additional documentation.
Credit scores from 500 FICO are considered. Most of our funding partners weigh your business revenue, time in business, and cash flow more heavily than your personal credit score — which is exactly why businesses that banks decline often still qualify here.
Whether you need to expand, stabilize, or seize a new opportunity — we'll find capital that moves at your speed.
*Eligibility checks may use a soft inquiry. Final approvals determined by funding partners.