Acinch Capital closed our working capital facility in three days. They understood our seasonality when our bank didn't.
Working Capital
Now funding — capital pool open
Capital that moves at the speed of your business.
Acinch Capital connects eligible U.S. businesses with working capital, credit lines, asset-based lending, factoring, and SBA loan programs — matched to your revenue and goals by a dedicated underwriting team.
Fast decisions Flexible capital Dedicated underwriting
Secure application
Capital Line
Active
Approved Limit$250K
75% utilised
Available$187,500
Drawn$62,500
Sample funding time
Funded in 18 hours
Trusted by growth-focused businesses nationwide
Halcyon Logistics
Northwind Components
Meridian Dental Group
Ashgrove Manufacturing
Coastal Retail Co.
Ridgeline Construction
Our Products
Five financing instruments. One dedicated partner.
/01
FLAGSHIP PRODUCT
Unsecured Working Capital
Fast, collateral-free capital to bridge gaps and seize opportunities, for eligible applicants.
$10K – $2M Typical use: payroll, inventory, expansion Apply now
/02
Business Lines of Credit
Revolving access you draw on as needed and repay only on what you use.
$50K – $2M Typical use: cash-flow gaps, seasonal needs View details
/03
Asset-Based Lending
Unlock liquidity from receivables, inventory, or equipment on your balance sheet.
$100K – $5M Typical use: growth capital, refinancing View details
/04
Invoice Factoring
Convert outstanding invoices into working cash and outsource collections.
$25K – $3M Typical use: accelerating receivables View details
/05
SBA 7(a) & 504 Loans
Government-backed loan programs with longer terms for qualified applicants.
$50K – $5M Typical use: real estate, acquisitions View details
Check Your Eligibility
See where you may stand — in under a minute.
Answer a few quick questions for a non-binding, informational estimate. This is not a credit decision and does not affect your credit.
This tool provides an initial, non-binding estimate only and is not a guarantee of approval or a credit decision. Final eligibility is determined by underwriting review of your complete application.
The Process
From application to funded — five clear steps.
No paperwork marathons. No committee politics. Response times below are typical for complete applications and may vary.
Senior underwriter assigned to every file01
Apply online
A clean, 7-minute form — no paperwork, no long calls.
02
Underwriter review
A senior underwriter reviews your file, typically within 24 hours.
03
Receive tailored options
Review proposed terms suited to your revenue and goals.
04
Review and accept
Ask questions, confirm terms, and accept when you're ready.
05
Receive funding
Capital is disbursed to your account and a partner stays assigned.
$0B+Capital Deployed
0Businesses Funded
0hAvg. Decision Time
0%Repeat Client Rate
Who We Serve
Industries we finance.
Funding availability depends on underwriting review and may vary by industry, product, and file.
Transportation & Logistics
Manufacturing
Healthcare
Construction
Professional Services
Retail & E-commerce
Hospitality
Wholesale & Distribution
Industry list is illustrative. Actual eligibility is confirmed during underwriting.
Client Stories
Operators who chose velocity.
Our factoring line scaled with us over eighteen months as our invoice volume grew. They grew when we grew.
Invoice FactoringOur SBA process was the smoothest we've run. Their team handled documentation end to end.
SBA 7(a)Testimonials shown are illustrative placeholders pending verified client permission.
Why businesses choose Acinch Capital.
| Consideration | Traditional Bank | Acinch Capital |
|---|---|---|
| Typical decision time | Weeks | As fast as 24 hours |
| Underwriting relationship | Committee-based | Dedicated senior underwriter |
| Product range | Often limited | Five financing instruments |
| Structure flexibility | Rigid | Tailored to your revenue |
| Communication | Variable | Transparent, direct |
| Ongoing support | Account rotation common | Relationship-based service |
About Acinch Capital
Built for operators, not spreadsheets.
Acinch Capital exists to help ambitious operators access capital without the delays of traditional lending. We combine a broad set of financing products with a relationship-first underwriting process, so each file gets a real person's attention — not just an algorithm.
Speed with diligenceFast decisions built on careful, responsible underwriting.
Relationship-based serviceOne point of contact who knows your file and your business.
Responsible capitalTransparent terms and clear communication, subject to underwriting.
Company description is illustrative. Legal entity name, licensing status, and compliance language should be confirmed by counsel before publication.
Funding made easy.
Frequently Asked Questions
Answers before you apply.
Many applicants receive an initial decision within 24 hours of submitting a complete application, though timing can vary based on the complexity of your file and the product you're applying for.
Typically we request recent bank statements, basic business financials, and proof of ownership. Your assigned underwriter will confirm the exact list for your file.
Requesting a rate quote does not require a hard credit pull. A hard inquiry may be required later in the process, and you will be notified before it occurs.
We work with a broad range of industries, including transportation, manufacturing, healthcare, construction, and retail, among others. Eligibility depends on underwriting review.
Funding amounts vary by product, generally ranging from $50,000 to several million dollars for qualified, eligible applicants.
Prepayment terms vary by product and offer. Your underwriter will review any applicable terms with you before you accept an offer.
Some products are available to newer businesses, though time-in-business and revenue requirements vary. Speak with an underwriter to review your options.
We focus on speed, flexibility, and dedicated underwriting relationships, offering a streamlined process designed for operators who can't wait weeks for a decision.
Get In Touch
Start your application. A partner responds within 24 hours.
Tell us about your business and funding needs. A senior underwriter will reach out with tailored, non-binding terms for eligible applicants — subject to underwriting.
CAPITAL DEPLOYED$2.4B+
AVG. DECISION24h
Request a Consultation
No obligation. No hard credit pull to request a quote.
Application received
A senior underwriter will reach out within one business day. This confirms receipt only — it is not a decision or offer of credit.
Capital should accelerate your business — not slow it down.
Speak with a senior underwriter today. No obligation, and no hard credit pull to get started.
Typical response within one business day. Contact details shown are placeholders pending verification.