★★★★★ Rated 4.8 on Trustpilot

See what you qualify for

Get matched with up to $5M in funding — no credit check.

Takes 60 seconds ⚡
$5K–$5M, secured & unsecured 50+ lenders compared Fast approvals
$2B+funded to date
12,000+businesses backed
50+lenders on panel
★★★★★4.8 on Trustpilot
How it works

Funded in three simple steps

No paperwork mountains, no branch visits. Just a few questions and you’re matched.

1

Answer a few questions

Tell us about your business and funding needs. It takes about 60 seconds and won’t touch your credit.

2

We find your best match

Our team searches 50+ lenders to find the right fit for your business. No browsing, no comparing — we do the work.

3

A specialist calls you

A dedicated funding specialist calls you with your matched option. Once approved, funds can land in your account in as little as 24 hours.

Loan types

The right finance for every business

Whatever you’re funding, one 60-second application connects you to the lenders most likely to say yes.

💵

Unsecured business loans

Up to $750K with no collateral and a fast, simple application.

🚚

Asset & equipment finance

Spread the cost of vehicles, plant and machinery over time.

💳

Merchant cash advance

Repay as a small percentage of your daily card takings.

🚀

Business line of credit

Flexible funds on standby — draw what you need, when you need it.

🧾

Invoice financing

Unlock the cash tied up in your unpaid invoices today.

🏦

Working capital loans

Cover payroll, stock and day-to-day costs with breathing room.

Why Opvio

A broker that works for you, not the bank.

We’re not a lender — we’re your advocate. One application puts your business in front of 50+ lenders, so you get the best offer without the legwork.

One application, we search 50+ lenders for you
Checking your eligibility won’t affect your score
A dedicated advisor — no call-center scripts
24h
From application to funds in your account
$2B+
Funded to businesses like yours
12k+
Businesses backed across the country
4.8★
Average rating from 200+ reviews
★★★★★ Rated 4.8 by 200+ businesses on Trustpilot

Loved by business owners

★★★★★

“Got funded the same day. Way easier than dealing with my bank.”

M
Marcus T.
Auto repair shop
★★★★★

“Filled it in during lunch. Had a call within the hour with three options.”

S
Sofia R.
Boutique retailer
★★★★★

“Saved us thousands compared to the big banks. No pressure, great service.”

D
David O.
Construction firm
★★★★★

“Needed a kitchen refit before our busy season. The funds landed in two days.”

L
Lena P.
Italian restaurant
★★★★★

“Refurbed the bar and added a second taproom without touching our savings.”

T
Tom B.
Cocktail bar owner
★★★★★

“Bought a second treatment chair and hired an associate. Smoothest finance I’ve done.”

P
Priya K.
Dental practice

Common questions

What does it mean that I've been pre-approved?+

Pre-approval means your business passed our initial screening based on your revenue and industry. Your file is ready to be matched with a specialized lending partner who can fulfill your funding needs.

I submitted the form. What happens next?+

Your work here is done. We immediately match your profile with the best-suited lending partner in our network. A dedicated funding specialist will call you directly to discuss your options and confirm your exact funding amounts.

What do I need to prepare?+

You don't need to upload any documents today. To secure funding quickly after your call, most lenders will ask for: government-issued ID, 3–6 months of recent business bank statements, a business license (if required by your state), and equipment quotes if applying for equipment financing.

What types of business financing are available?+

Our partner network offers merchant cash advances, business lines of credit, short-term loans (6–24 months), equipment financing, and SBA loans — each matched to your specific business profile.

What can I use my business funding for?+

There are no strict restrictions. Most owners use it for managing seasonal cash flow, purchasing bulk inventory, upgrading machinery or technology, funding marketing or hiring, or covering unexpected expenses.

Can I qualify if traditional banks have rejected me?+

Yes. Traditional banks require years of perfect history and massive collateral. Our lending partners focus entirely on your current business performance and monthly revenue — if you have consistent cash flow, you have a very high likelihood of approval.

Will checking my options affect my credit score?+

No. We match you with funding partners based entirely on the criteria you completed in our form — no credit check required to see your options.

Can I get funding if I already have an active loan or MCA?+

Yes. If your cash flow can support it, secondary positions are available. Many partners can also use new funding to consolidate your existing balances into a single, lower payment.

What interest rates and repayment terms will I receive?+

Rates and terms are customized to your monthly revenue, industry, and time in business. Your matched specialist will outline your total repayment amount and schedule completely transparently during your call — before you commit to anything.

Is this financing secured or unsecured?+

Both. Most programs offer unsecured financing — no need to pledge personal assets or real estate. If you choose to leverage business assets, it can unlock higher funding limits and lower rates.

Are there penalties for early repayment?+

No. Our lending partners do not charge prepayment penalties. Most programs actively reward early repayment with discounted rates, saving your business money.

How long does my pre-approval stand?+

Your pre-approval is valid for 90 days. If you wait longer than 15–30 days after your call, the lender will simply ask for your most recent bank statement to verify your revenue is stable.

See how much your business qualifies for

It takes 60 seconds and won’t affect your credit score. No obligation, ever.