Capital on tap for cash flow, growth, and what’s next.
OnTap Lending helps business owners explore funding options quickly — starting with a soft-pull review that won’t affect your credit score. See what your business may qualify for, then choose terms that fit how you actually operate.
Three ways to fund the business you’re building
Different needs call for different structures. Here’s a quick look — each has its own page with the full picture.
Business Loans
A lump sum with structured payments — useful for equipment, hiring, build-outs, or a clear, planned investment.
Explore business loans →Business Line of Credit
A revolving line you draw from as needed — ideal for smoothing cash flow and keeping a buffer for surprises.
Explore lines of credit →Revenue-Based Financing
Repayment that can flex with your sales — a fit for seasonal businesses or short, focused growth pushes.
Explore revenue-based →Built around how real operators work
Explore with minimal friction
Many requests start without a hard credit pull. Checking your options is a soft inquiry — if you choose to proceed, a hard pull may be used later depending on the product.
Clear steps, fast momentum
A simple intake call, a focused review, and straightforward next steps. Many businesses receive decisions within 24–48 hours.
We look beyond one number
Strong operators aren’t always “perfect on paper.” We consider business performance, consistency, and your overall profile — not just a single score.
A quick sense of what helps you qualify
These are general guidelines, not a promise of approval. Additional underwriting applies, requirements vary by product and funding source, and some industries may be restricted.
From soft-pull review to funded — in three steps
Book a call
Grab a time on Calendly. We’ll learn about your business and goals — no application to fill out first.
Soft-pull review
We review your options with a soft inquiry that won’t affect your credit score, and outline the paths that fit.
Choose & fund
If you move forward, we finalize terms and the documents needed. Many approved businesses fund within 24–48 hours.
Checking your options is a soft inquiry that won’t affect your credit score. If you choose to move forward, finalizing funding may require a hard credit pull and supporting documents.
See your options — book a call
A short conversation is the fastest way to understand what your business may qualify for. Checking your options is a soft inquiry and won't affect your credit score.