Fast, transparent funding for small businesses — with payments sized to your actual cash flow, one clear payback number, and a partner who wants to fund you again.
Most short-term funding fails businesses the same way: payments set too high, costs revealed too late, and a funder who disappears after the wire. We built Standby around the opposite.
We structure longer terms with lower daily or weekly payments, so the funding works with your revenue instead of strangling it. An affordable payment is good underwriting — for you and for us.
You'll know the total payback amount, the term, and the payment before you commit. No hidden fees, no surprises buried in the contract — and if you pay off early, you pay less.
Apply in minutes with recent bank statements. You'll get a real decision in hours — and if the answer is no, we'll tell you quickly and tell you why, instead of leaving you waiting.
We underwrite relationships, not transactions. Businesses that perform earn larger amounts and better pricing on renewal. Many of our merchants fund with us again and again as they grow.
Send a short application and your last few months of business bank statements. No credit-score impact to apply, and no obligation.
Within hours you'll have an offer that states the funding amount, the total payback, the term, and the daily or weekly payment — everything, in plain numbers.
Accept, and funds are wired to your business account — as fast as the same day.
As you pay down, you become eligible to renew — typically with more capital and better terms, because now we know each other.
Email us and a decision-maker will get back to you — usually the same business day.
Email matt@standbycapital.com