Get the Capital Your Business Deserves
SBA loans and flexible business funding solutions designed to help established companies grow, operate, and thrive.
One qualification. Multiple paths to capital.
OnKap Financial reviews your business profile to identify funding paths that may fit your revenue, credit, time in business and capital needs.
Business Funding
One qualification, every funding path in our network. Start here if you want your options laid out before choosing a product.
Learn moreRevenue-Based Funding
Fast working capital sized to your monthly revenue, with remittances that follow how your business earns.
Learn moreLine of Credit
A reusable pool of capital on standby — draw what you need, pay for what you use, draw again as you repay.
Learn moreSBA Loans
Government-backed programs with lower-cost, longer-term capital for qualified businesses with established history and solid credit.
Learn moreTerm Loans
A fixed amount with a set repayment schedule — the predictable structure for defined investments like expansion, buildouts and large orders.
Learn moreEquipment Financing
Finance trucks, machinery, medical or restaurant equipment while preserving cash — the equipment itself supports the financing.
Learn moreA/R Financing
Turn unpaid invoices into working capital now instead of waiting 30, 60 or 90 days on customer payment terms.
Learn moreHow It Works
From two-minute qualification to funded — what happens at every step, what we'll ask for, and what we'll never do.
Learn moreWhat business owners ask us.
The qualification form is designed to identify an appropriate path without requiring a long initial application.
Does checking eligibility affect my credit?+
The preliminary qualification form does not itself run a credit inquiry. Any later credit authorization should be clearly disclosed before it occurs.
What information will I need?+
Start with annual revenue, estimated credit range, time in business, requested funding amount and basic contact details. Additional documentation may be requested after review.
What happens if SBA is not the best fit?+
Your profile may be reviewed for other business funding options, including term loans, lines of credit or working capital programs.
How quickly will someone contact me?+
Qualified submissions can be assigned to a funding specialist for follow-up during normal business hours.
From application to funded in three moves.
Apply in about five minutes
One secure application and your recent business bank statements. It autosaves, so you can finish whenever.
We review and match
Your file is analyzed, reviewed by a person, and matched against the criteria of funding providers across our network — not forced into one product.
Compare offers and fund
Offers are laid out side by side — proceeds, payment, cost, term — so you choose with clear eyes. Sign electronically and receive funds from the provider.
Why businesses route their funding through OnKap.
A network, not one desk
A direct funder can only say yes to its own box. One OnKap file reaches providers across SBA, credit lines, term, revenue-based, equipment and A/R programs.
Built around cash flow
Your deposits and business performance carry real weight in the review — not just a credit score.
A person on every file
Automation organizes your file; a human reviews it and picks up the phone. You'll never be routed around a decision by a bot.
Security-first documents
Statements move through secure upload — never loose email attachments — and are shared only with providers reviewing your request.
Capital shaped to your industry.
Different industries, different cash-flow realities. Our network spans providers with appetite across most major sectors.
Already applied? Send your documents.
Drag and drop your bank statements through our secure upload page — no email attachments, no printing, done in a minute.