Working-capital problems are really timing problems: money goes out on schedule and comes back whenever it feels like it. A revenue purchase injects $15,000–$50,000+ into the gap and settles as you earn. This is boutique funding: a person reads your file, not a scoreboard.
Every new hire, bigger order, and second location spends money weeks before it earns any. The faster you grow, the broker you feel — a paradox banks refuse to appreciate.
Your customers pay net-30 to net-60; your team is paid every week. The difference lives on your credit card or your sleep schedule.
The liquidation lot, the competitor's customer list, the lease next door — the deals that change a business answer to their own deadlines, not a loan committee's.
Banks built working-capital products for businesses with two years of returns, audited-looking statements, and collateral. If that describes you, take their cheap money — seriously. Everyone else is whom a revenue purchase serves.
The decline is not personal: their model prices history because history is all it can see. Cash-flow underwriting reads the business you are actually running this month.
We advance a lump sum sized to your monthly revenue rhythm and remit a fixed weekly slice as you earn. Strong weeks settle the purchase faster; slow weeks cost less. The structure assumes real life instead of punishing it.
Most owners use working-capital purchases for the unglamorous things that compound: payroll coverage, vendor deposits, marketing that already works. Renewals come at better pricing once you are half settled — the second purchase is where the economics get interesting. Sharp terms, straight answers — that is the whole Cutting Cap model.
One full payroll cycle in reserve, so a slow-paying customer stops being an emergency.
Take the 2/10-net-30 early-pay discounts and cash pricing you have been leaving on the table every month.
The hire, the campaign, or the second-location deposit that the current cash cycle keeps deferring to next quarter.
Most approvals land between $15,000 and $50,000 on a first purchase, sized to roughly 50–120% of monthly revenue. Strong financials unlock more — the tiers are floors, not ceilings.
Anything the business needs. No use-of-funds restrictions, no draw requests, no invoices to submit. It is your revenue, purchased early.
Four minutes to apply, 24–72 hours to a decision, funding within days of approval. Three months of bank statements is the whole document list.
A $15,000, $25,000, or $50,000 revenue purchase — and those are floors, not ceilings. We fund more when the financials support it. Apply in four minutes; decision in 24–72 hours.
