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Start & Scale Your Business With Quick Funding
Get the capital your business needs. We help businesses owners secure up to $150k in 0% interest funding ----- even with no financials.
Start & Scale Your Business With Quick Funding
Get the capital your business needs. We specialize in connecting businesses with funding through an effective broker model. Let's unlock your financial potential.
Empower your business
Empowering businesses through strategic funding
we are dedicated to helping businesses access the capital they need. Our core mission is to streamline the funding process. We operate on a broker model, connecting clients with a diverse network of lenders. We value transparency, integrity, and building lasting relationships. We strive to provide tailored financial solutions.
Startup Funding
Revenue Based lending
Term loan
Line Of Credit
Business Credit Card
Merchant Cash Advance
The credit your business deserves.
We’re a top-rated online small business broker.
No hard credit pulls
Check your eligibility without affecting your credit score.
Fast funding
Lines of credit can fund instantly.* Term loans can fund the same day.†
Build business credit history
We report to business credit bureaus, which helps build business credit history with on-time payments.
We Specialize in
We help our clients to develop their businesses rapidly and successfully
- Business LoansWe can estimate your company's opportunities, explore your economic status, analyze your vehicle access and foot traffic.
- Business Line Of Credit
Proven Funding Solutions
We create specialist portraits, develop ways of personnel training. We develop branding for new companies or rebrand products. - Equipment Financing
We create specialist portraits, develop ways of personnel training. We develop branding for new companies or rebrand products. - Business Credit Cards
Access to 0% Funding
With our expertise and experience in securing funding for businesses, we have developed strategies and methods that have been successful in helping businesses achieve their financial goals.
-
SBA Loans
This access can be a game-changer for businesses as it eliminates the burden of interest payments, making the funding more affordable and allowing you to allocate more resources towards your business growth. - Merchant Cash Advance
We are a leading firm in providing quality and value to our customers. Each member of our team has at least 5 years of legal experience. - Revenue Based Loans
This widely favored alternative lending option adapts to your company's cashflow. And is based on your business revenue & future receivables.
No Minimum Credit Score
This is a great option to obtain quick working capital in as little as 24 hours.
Payments options are daily, weekly, or monthly terms - Bad Credit Business loans
Support and Guidance
Nelco Capital also offers comprehensive support and guidance throughout the entire process. From the initial application to the final disbursement of funds, our team of experts will be there to assist you every step of the way.
We are a leading firm in providing quality and value to our customers. Each member of our team has at least 5 years of legal experience. - Quick FundingApprovals in 24 hours
We remove the complexities of securing business funding with our streamlined application process, ensuring quick approvals and rapid funding. Our customized system is designed for ease of use, accessible from any device, making it convenient and efficient for yo to obtain the capital you need to grow your business.
Access tailored solutions
Discover our range of funding concierge services. we assist with various funding types and guide you through the entire process, ensuring a smooth and efficient experience.
- Funding assistanceGuidance on various funding options, including debt and equity financing.
- Funding processSupport through the entire funding lifecycle, from application to closing.
- Types of fundingAccess to a diverse range of funding sources tailored to business needs.
Apply for Small Business Financing
We work hard to make our clients happy
Apply Here to Secure 10k to 1M
Minimum Requirements
10k+ Business Monthly Revenue
OR
700+ Credit Score
Start & Scale Your Business With Quick Funding
- No Impact To Credit Score
- Fast Approvals
- Revenue Based Lending (No Min. Credit Score)
- Startup Funding (700+ Credit Score)
Our Funding Partners’ Credentials
Streamline your funding journey
learn the steps we take to secure your funding. from initial consultation to final disbursement, we provide a clear and efficient process for your financial needs.
Initial consultation and needs assessment to understand your funding requirements.
We gather necessary documentation and prepare your application.
We present your application to potential lenders.
Offer review
You review and select the best funding offer.
Finalization
Finalize the loan agreement.
Disbursement
Receive the funds.
What Business Owners Have To Say
Gain a competitive edge
discover the advantages of partnering with us. Benefit from our broker model expertise, personalized support, and a history of successful funding outcomes for businesses.
- Brokerage expertiseBenefit from our deep understanding of the broker model, optimizing your funding strategy.
- Personalized approachReceive customized service, ensuring your unique requirements are met with precision.
- Gain Credit Building InsightJoin our world class instructors in dynamic webinars which explains the foundation of our core funding principles in detail.
- 100% Risk-FreeRely on our established history of securing funding for businesses like yours.
Understand our approach
review our transparent fee structure. we provide clear information regarding our services, allowing you to make informed decisions about your funding strategy.
Success Fee
Percentage of the total funding amount secured.
Varies
Funding search
Application assistance
Negotiation support
Access to 0% Funding
Application assistance
Negotiation support
Access to 0% Funding
Retainer Fee
Monthly fee for ongoing support and services.
Varies
Funding search
Application assistance
Negotiation support
Access to 0% Funding
Application assistance
Negotiation support
Access to 0% Funding
Hybrid Model
Combination of retainer and success fees.
Varies
Funding search
Application assistance
Negotiation support
Access to 0% Funding
+Accelerated Funding Package
Application assistance
Negotiation support
Access to 0% Funding
+Accelerated Funding Package
Traditional Lending:
Are we a match? Check our minimum requirements.**
Are we a match? Check our minimum requirements.**
- Businesschecking account
- No/Minimal Revenue Requiredbusiness annual revenue
- 700+personal FICO® score
- Best forstart ups or individuals with strong credit
Alternative Lending:
Are we a match? Check our minimum requirements.**
Are we a match? Check our minimum requirements.**
- Min: 6 monthsin business
- 4 monthsbusiness bank statements
- Min: $10K+monthly business revenue
- 500+personal FICO® score
- Best forestablished small businesses
Secure Working Capital Without The Wait
Take the next step toward securing your funding. Apply today and start your journey towards financial success.
We connect individuals and businesses with lenders who can provide the funding they need. Our team evaluates your financial profile and matches you with the best available funding options—quickly, safely, and transparently.
We work with multiple lenders to provide a range of funding solutions, including:
- Personal funding
- Business lines of credit
- Revenue-based financing
- Term loans
- Credit-based funding
- Start-up funding
- Equipment financing
- Corporate credit building
- (Ask me to tailor this list if needed.
- Apply or schedule a consultation
- We review your profile (credit, income, revenue, documents)
- We match you with lenders that fit your needs
- You receive offers
- Choose your funding, and receive your capital—often within 1–5 days.
A working capital loan is a loan used by businesses to cover daily operational expenses (such as rent, company payroll, utilities, etc.) because your cash flow is tight and you are short on capital. There may be times where your business is in need of more capital to stay afloat or your business may have a large opportunity on the horizon that will tie up some of your cash – this is where a working capital loan may come into play.
An example of a working capital loan:
Suppose your company’s current capital and human resources incur $1200 in monthly expenses from day to day operations. The monthly revenue of your company, however, is only $700. In order to meet monthly expenses, your company takes out a working capital loan for $500 until its monthly revenue reaches the $1200.
An example of a working capital loan:
Suppose your company’s current capital and human resources incur $1200 in monthly expenses from day to day operations. The monthly revenue of your company, however, is only $700. In order to meet monthly expenses, your company takes out a working capital loan for $500 until its monthly revenue reaches the $1200.
Considering small business working capital loans are one of the most flexible options of financing available to small businesses, the number of ways it can be used may surprise you. While there are too many ways to name what a working capital loan can be used for, here are a few of the more common needs your business may come across in day to day operations:
Business Expansion
New location – Opening a second, third or fourth location is very beneficial for business because of the increased revenue and presence.
New Employees/Staff – Depending on the nature of your business, this can mean new business hours and better customer service.
Inventory – Inventory is crucial for business and working capital can help with new products or the existing products.
Equipment – Having the latest equipment and up to date technology will make sure everything runs smoothly and efficiently.
Business Maintenance & Improvements
Working Capital – At times a business can have slow cash flow and you may need funding for day to day operations, like payroll and marketing.
Taxes – Self-employment taxes, payroll taxes, end of year taxes, local taxes or excise taxes; basically any tax bill the company may have.
System Updates – Making sure your business has the latest POS system or inventory software can really help with efficiency and customer satisfaction.
Remodeling – Does your business need a facelift or rebranding? Securing working capital can help you turn things around and thrive.
Business Expansion
New location – Opening a second, third or fourth location is very beneficial for business because of the increased revenue and presence.
New Employees/Staff – Depending on the nature of your business, this can mean new business hours and better customer service.
Inventory – Inventory is crucial for business and working capital can help with new products or the existing products.
Equipment – Having the latest equipment and up to date technology will make sure everything runs smoothly and efficiently.
Business Maintenance & Improvements
Working Capital – At times a business can have slow cash flow and you may need funding for day to day operations, like payroll and marketing.
Taxes – Self-employment taxes, payroll taxes, end of year taxes, local taxes or excise taxes; basically any tax bill the company may have.
System Updates – Making sure your business has the latest POS system or inventory software can really help with efficiency and customer satisfaction.
Remodeling – Does your business need a facelift or rebranding? Securing working capital can help you turn things around and thrive.
A small business working capital loan is one of the easiest solutions for business owners. It can assist with helping businesses harness their full potential. Working capital loans act as unsecured debt, which means you as the business owner will not need to provide collateral as with traditional loan methods. This has many advantages for businesses that are in the early stages or businesses that are low on capital.
Bank Loans = Hassle
As a business owner you might turn to a bank to borrow working capital. However, there are challenges to getting a bank loan:
If your loan is approved, the bank might restrict the use of the funds or require collateral as guarantees for repayment.
Bank Loans = Hassle
As a business owner you might turn to a bank to borrow working capital. However, there are challenges to getting a bank loan:
- Banks require extensive documentation to demonstrate your businesses’ ability to pay back the loan.
- Decisions can take weeks or even months, with plenty of red tape.
- Applications are too often declined, wasting your valuable time and at a cost of lost business for your company.
If your loan is approved, the bank might restrict the use of the funds or require collateral as guarantees for repayment.
Business line of credit. A small business line of credit can offer ongoing access to funds. If you’re approved, you’ll be able to draw funds up to a certain credit limit. You’ll only pay interest on the amount you borrow. As you repay, the funds become available to borrow again. This makes a line of credit ideal for managing cash flow and other ongoing business needs.
Business term loan. A business term loan provides an upfront lump sum of cash. If approved, the funds will be deposited into your business bank account and you’ll pay interest on the entire sum. Short-term business loans can be useful when covering large, one-time business expenses such as purchasing equipment or real estate.
Business term loan. A business term loan provides an upfront lump sum of cash. If approved, the funds will be deposited into your business bank account and you’ll pay interest on the entire sum. Short-term business loans can be useful when covering large, one-time business expenses such as purchasing equipment or real estate.
Secured business line of credit. With a secured line of credit, you will need to provide a business asset as collateral for the loan. For example, with many equipment loans the equipment itself acts as collateral. Though these types of loans may come with lower interest rates, there is also the risk that your business assets may be repossessed.
Unsecured business line of credit. An unsecured line of credit doesn’t require collateral — though you may need to make a personal guarantee, holding you responsible for repayment if the business defaults. While unsecured lines of credit may have higher interest rates, they also protect your business assets and make it possible for businesses without many physical assets to get credit.
Nelco offers unsecured lines of credit — so you can be confident your business assets are protected.
Unsecured business line of credit. An unsecured line of credit doesn’t require collateral — though you may need to make a personal guarantee, holding you responsible for repayment if the business defaults. While unsecured lines of credit may have higher interest rates, they also protect your business assets and make it possible for businesses without many physical assets to get credit.
Nelco offers unsecured lines of credit — so you can be confident your business assets are protected.
The best line of credit for your business depends on your business needs. For some businesses, the amount they can borrow is the most important factor. For others, it may be things like interest rates, speed of funding or likelihood of credit approval.
When searching for a line of credit for your business, you should review the loan terms. Look at things like interest rates, repayment schedules, credit limits and fees such as origination fees or early repayment fees. This can help you ensure that the line of credit you choose is a good fit for your business.
At Nelco we offer fast, flexible business funding with transparent pricing. Our application process is easy and, once approved, you could get your funds as soon as the same business day.† Plus, our loan comparison tool gives you a comprehensive breakdown of your cost of capital so you can evaluate all your options.
When searching for a line of credit for your business, you should review the loan terms. Look at things like interest rates, repayment schedules, credit limits and fees such as origination fees or early repayment fees. This can help you ensure that the line of credit you choose is a good fit for your business.
At Nelco we offer fast, flexible business funding with transparent pricing. Our application process is easy and, once approved, you could get your funds as soon as the same business day.† Plus, our loan comparison tool gives you a comprehensive breakdown of your cost of capital so you can evaluate all your options.
Flexibility. Lines of credit are flexible borrowing options — allowing you to borrow what you need, when you need it.◊
Access to funds. A line of credit can give you working capital on demand — to manage day-to-day operations, cover unexpected needs or take advantage of business opportunities — even after regular business banking hours.
Cost-effective. Unlike a term loan where you pay interest on the entire lump sum, with a line of credit you typically only pay fees or interest on the amount that you borrow — allowing you to control costs.
Better cash flow management. With a line of credit, you can smooth cash flow gaps and ensure your business has the funds it needs to stay on track while investing in growth.
Access to funds. A line of credit can give you working capital on demand — to manage day-to-day operations, cover unexpected needs or take advantage of business opportunities — even after regular business banking hours.
Cost-effective. Unlike a term loan where you pay interest on the entire lump sum, with a line of credit you typically only pay fees or interest on the amount that you borrow — allowing you to control costs.
Better cash flow management. With a line of credit, you can smooth cash flow gaps and ensure your business has the funds it needs to stay on track while investing in growth.
The amount of business credit you can get depends on several factors, including your business’s financial situation, creditworthiness and the lender’s eligibility requirements. Typically, strong business finances and a good credit score will allow you to access higher credit limits and better terms such as a lower interest rate.
An Nelco Line of Credit offers qualified borrowers loan amounts up to $200,000. Applying is easy and only takes a few minutes. Plus, Nelco only conducts a soft credit check so it won’t affect your score.
An Nelco Line of Credit offers qualified borrowers loan amounts up to $200,000. Applying is easy and only takes a few minutes. Plus, Nelco only conducts a soft credit check so it won’t affect your score.
When you take a draw from a line of credit, you’ll generally have a set time period to repay the funds. You make weekly or monthly payments on the amount that you’ve borrowed to pay it off by the end of the term.
With an Nelco Line of Credit, you’ll receive your repayment terms upfront. When you take a draw, you’ll only pay interest on the amount you borrow and the funds will be repaid in an easy weekly or monthly payment. We don’t charge any annual fees or draw fees. Additionally, you can repay early to bring down the cost of borrowing, with no prepayment penalty.
With an Nelco Line of Credit, you’ll receive your repayment terms upfront. When you take a draw, you’ll only pay interest on the amount you borrow and the funds will be repaid in an easy weekly or monthly payment. We don’t charge any annual fees or draw fees. Additionally, you can repay early to bring down the cost of borrowing, with no prepayment penalty.
Instant Funding is a fast and easy way for small business owners to access up to $10,000 in working capital to run their business. Draw from your line of credit when you need it and see the funds in your account in seconds, 24/7, even when the banks are closed.*
There are some times when you could really use access to additional funds. Some lenders will allow you to request a credit line increase. If you’ve demonstrated a good repayment history and have the capacity to borrow more, they may approve you.
With Nelco, credit limit increases are based on your cash flow, net income and payment history. Nelco continually reviews its accounts to see which may benefit from a line increase.
With Nelco, credit limit increases are based on your cash flow, net income and payment history. Nelco continually reviews its accounts to see which may benefit from a line increase.
The total cost of your line of credit will vary based on a number of factors, including your personal and business credit scores, time in business, annual revenue and cash flow.§
If you don’t have great credit or are a startup with limited business credit history, you may be wondering if you can get business financing without a credit check. Getting any type of small business financing without a credit check is rare. Most business lenders will perform some type of credit check during their underwriting process. They may check your personal credit score, the business credit score or sometimes both. However, there are lenders that perform a soft credit check and focus more on other factors such as time in business and annual revenue.
Nelco uses soft pulls that don’t affect your credit score — no hard inquiries.
If your lender reports to the business credit bureaus, then business loans, including business lines of credit, can help you build your business credit history. Make sure that you take all the steps necessary to open your business credit file. And keep an eye on your credit utilization and ensure that you make your payments on time. Doing so will help you build positive credit history, which can potentially boost your business credit score.
Nelco reports your payments to business credit bureaus, so every time you pay on time, you’re building business credit history.
Nelco reports your payments to business credit bureaus, so every time you pay on time, you’re building business credit history.
You may have a project that could benefit from funds beyond the capabilities of your small business line of credit. Other types of business loans include:
Term loans. Term loans offer an upfront lump sum of cash that you can pay back over time. They can be useful for big one-time expenses.
Equipment loans. Equipment loans are a type of loan designed specifically for businesses looking to purchase equipment. Often, the equipment acts as collateral for the loan.
SBA loans. SBA loans are loans secured by the Small Business Administration. They can be difficult to get approved for and the process may take a long time.
Microloans. Microloans are business loans for a smaller amount — typically under $50,000. They can be easier to get approved for because of their smaller size.
At Nelco Capital we understand business financing, and our term loans are available in addition to a business line of credit. Reach out to your dedicated loan advisor to explore some of your available financing options.
Term loans. Term loans offer an upfront lump sum of cash that you can pay back over time. They can be useful for big one-time expenses.
Equipment loans. Equipment loans are a type of loan designed specifically for businesses looking to purchase equipment. Often, the equipment acts as collateral for the loan.
SBA loans. SBA loans are loans secured by the Small Business Administration. They can be difficult to get approved for and the process may take a long time.
Microloans. Microloans are business loans for a smaller amount — typically under $50,000. They can be easier to get approved for because of their smaller size.
At Nelco Capital we understand business financing, and our term loans are available in addition to a business line of credit. Reach out to your dedicated loan advisor to explore some of your available financing options.
We use soft pulls of personal credit reports that don’t affect your credit score.
Please view our full restricted industries list HERE.
- Access to multiple lenders instead of one
- Higher approval odds
- Faster funding
- Personalized matching
- Transparent process
- Dedicated support before, during, and after funding
- Higher approval odds
- Faster funding
- Personalized matching
- Transparent process
- Dedicated support before, during, and after funding
You will be invoiced only after you receive and accept your approved funding offer. We never invoice upfront. Once your funding is secured and confirmed, we issue your invoice outlining the agreed-upon fees and terms
Payment is due immediately upon receiving the invoice, unless otherwise stated in your agreement. We provide multiple secure payment options, and you’ll receive confirmation as soon as your payment is processed.
If payment is not made by the due date, your account will be marked as past due, and we will reach out to you to resolve the balance. Funding services, support, and future applications may be temporarily paused until payment is completed.
If the invoice remains unpaid after multiple attempts to contact you, the account may be referred to our billing or collections department in accordance with the terms of your agreement. Additional fees or service delays may apply depending on the contract.
We encourage clients to contact us right away if they foresee any issues—our team is always willing to work on a solution or payment arrangement.
If the invoice remains unpaid after multiple attempts to contact you, the account may be referred to our billing or collections department in accordance with the terms of your agreement. Additional fees or service delays may apply depending on the contract.
We encourage clients to contact us right away if they foresee any issues—our team is always willing to work on a solution or payment arrangement.
Nelco Blog
We publish our latest articles, news, and special offers
Same-Day Funding is only available in certain states, for term loans up to $200K. Eligibility window is Monday – Friday before 10:30 a.m. ET. If checkout is done before 10:30 a.m. ET, funds will be available by 5 p.m. local time the same day. If checkout is done after 10:30 a.m. ET, or on a weekend or bank holiday, it will not qualify for Same-Day Funding and funds will be deposited within 2 – 3 business days.
Instant Funding requires registration and is subject to the Instant Funding Terms & Conditions. Instant Funding is limited to open lines of credit for draws between $1,000 - $10,000, and you can only make one draw request per day. Not all banks or debit card providers participate, and you must register a business debit card matching the information associated with your Nelco account. Transfers are typically completed within 30 minutes, but may be subject to additional restrictions or delays.
There are some industries we cannot serve (see list of restricted industries). In addition, Nelco does not lend to businesses in North Dakota. Other underwriting requirements may apply.
When you pay off an Nelco term loan early, you may still need to pay a portion of the unpaid interest expense as stated in the loan agreement. The specific percentage will be disclosed in your loan agreement.
Eligibility for the lowest rates is very limited, available only to businesses with the strongest creditworthiness and cash flows, and typically businesses that have shown an excellent payment history on prior loan products with Nelco. The average rate for term loans is 56.4% APR and the average rate for lines of credit is 56.6% APR. Averages are based on loans originated in the half-year ending June 30, 2025.
Depending on your state and other circumstances of your application, you may be required to make a minimum draw of $1,000 at origination.
Only customers who have previously renewed a term loan are eligible for a 0% origination fee. For customers renewing a term loan for the first time, a discounted origination fee will apply. No discount to the origination fee will be applied if you are approved for, and accept, a renewal loan of 24 months.
Loans are subject to lender approval. Depending on the state where your business is located and other attributes of your business and the loan, your business loan may be issued by a member of the Nelco family of companies or their bank. Your loan agreement will identify the lender prior to your signing. Loans of $250K are only approved for customers with strong credit profiles and sufficient verified monthly revenue.
Nelco © 2025. All rights reserved.
Instant Funding requires registration and is subject to the Instant Funding Terms & Conditions. Instant Funding is limited to open lines of credit for draws between $1,000 - $10,000, and you can only make one draw request per day. Not all banks or debit card providers participate, and you must register a business debit card matching the information associated with your Nelco account. Transfers are typically completed within 30 minutes, but may be subject to additional restrictions or delays.
There are some industries we cannot serve (see list of restricted industries). In addition, Nelco does not lend to businesses in North Dakota. Other underwriting requirements may apply.
When you pay off an Nelco term loan early, you may still need to pay a portion of the unpaid interest expense as stated in the loan agreement. The specific percentage will be disclosed in your loan agreement.
Eligibility for the lowest rates is very limited, available only to businesses with the strongest creditworthiness and cash flows, and typically businesses that have shown an excellent payment history on prior loan products with Nelco. The average rate for term loans is 56.4% APR and the average rate for lines of credit is 56.6% APR. Averages are based on loans originated in the half-year ending June 30, 2025.
Depending on your state and other circumstances of your application, you may be required to make a minimum draw of $1,000 at origination.
Only customers who have previously renewed a term loan are eligible for a 0% origination fee. For customers renewing a term loan for the first time, a discounted origination fee will apply. No discount to the origination fee will be applied if you are approved for, and accept, a renewal loan of 24 months.
Loans are subject to lender approval. Depending on the state where your business is located and other attributes of your business and the loan, your business loan may be issued by a member of the Nelco family of companies or their bank. Your loan agreement will identify the lender prior to your signing. Loans of $250K are only approved for customers with strong credit profiles and sufficient verified monthly revenue.
Nelco © 2025. All rights reserved.
Client Success Stories
We work hard every day to make our customers' lives better and happier
Secure Working Capital Without The Wait
Industry leading approval process that is easy and less intensive. Get the capital you need to allow your business to grow, today!
Please contact us via email at Info@nelcofund.com
Ph: 443-494-6410
Office Hours
Monday - Friday
10am - 6pm PST
Closed on weekends
Office Hours
Monday - Friday
10am - 6pm PST
Closed on weekends
What Business Owners Have To Say
Testimonial
Testimonial
- Securing funding for my startup seemed daunting until I found this service. They helped me secure $250k in just 24 hours! The application process was straightforward, and their team was very supportive. This funding was a game-changer for my business!Jason G.Project manager
- I was in a pinch and needed funding fast to keep my business running. Within 24 hours, had the funds in my account thanks to this service! The process was smooth, transparent, and incredibly efficient. Highly recommend for any business in need of quick capital.Mark. S.COO
- Getting $1M in funding within 24 hours sounded too good to be true, but it really happened! The process was incredibly efficient, and the team was fantastic to work with. This funding has taken my tech startup to the next level. Highly recommended!Alex W.CFO
- I was skeptical about getting such a large sum so quickly, but they delivered as promised. I secured $500k within 24 hours, allowing me to expand my restaurant. The whole experience was stress-free and professional. I can't thank them enough!Samuel W.Founder
- Expanding my healthcare services requried immediate funding. This service came through with $500k in just 24 hours. The entire process was efficent, and the team was very supportive. This funding has been crucial for the growth and success of my business.Jen L.Financial Advisor
- I was in a pinch and needed funding fast to keep my business running. Within 24 hours, I had the funds in my account thanks to this service! The process was smooth, transparent, and incredibly efficient. Highly recommend for any business in need of quick capital.Stacy M.Co-Founder