Fast Decisions in hours · funding often in 24h

Your Business. Your Future.

Whether you’re expanding, upgrading, or stabilizing your cash flow, Fidelity Funding connects you with the nation’s top lenders — all in one place.

Get Funded See how it works
No impact on credit 5-minute application Real specialists
Funding amountSpecialists online
$250,000
Slide to choose how much your business needs
Get Funded

Soft pull only · No obligation to proceed

Decisions in hours, not weeks Funding often within 24 hours Soft pull — no credit impact $5K to $1M National lender network Real people, every step Compare before you commit
Built for your industry

What kind of business do you run?

How it works

Take control of your
business growth today.

Three simple steps. No red tape, no endless waiting.

01

Tell us what you need

Answer a few quick questions — no impact on credit and no obligation to proceed.

02

Connect with an expert

Speak directly with a funding specialist who’ll guide you through your best options.

03

Get funded fast

Claim your personalized offer and receive funding, often within 24 hours.

Solutions

Business financing.
Made simple.

Flexible, reliable solutions designed around your business’s unique financial needs.

Grow · Hire · Stabilize

Small Business Loans

Access working capital to grow, hire, or stabilize operations. Flexible terms, competitive rates, and fast approvals.

Learn more
Revenue-based

Merchant Cash Advances

Receive funding based on your business’s future sales. Perfect for businesses with strong daily transactions but limited collateral.

Learn more
Powered by PayPilot by MCCPS

Credit Card Processing

Save money and get paid faster with PayPilot by MCCPS — integrated payments, modern terminals and a free statement review.

Learn more
A rhino standing among rising blue growth arrows
About Fidelity Funding

Built for businesses the banks left behind.

In these challenging times, traditional banks have made it harder than ever for small and medium-sized businesses to access capital. Fidelity Funding was built to change that.

Through our network of trusted national lenders, we provide the flexibility and speed modern businesses need — without the red tape or endless waiting.

Hoursto an initial decision
24htypical time to funds once approved
$5K–$1Mfunding requests we handle
Why Fidelity

Real options.
Not empty promises.

With our national network of lenders, every recommendation is made with clarity and your success in mind — and funding can often be completed within 24 hours.

Decisions in hours, not weeks

A fast, focused process built around how modern businesses actually operate.

Real people to guide you every step

A dedicated funding specialist — not a call center, not a chatbot maze.

Compare options before you commit

See real offers side by side and choose what actually makes sense.

Get Funded
Use cases

Funding that moves your business forward.

From covering daily expenses to expanding into new markets — use your funding however you need to grow, stabilize, or strengthen your business.

Growth financing

Seize the opportunity before competitors do.

Expand, launch and scale with capital that moves at your speed.

Fund my growth
  • Open new locations or remodel existing ones
  • Launch new product lines or service offerings
  • Increase inventory ahead of seasonal demand
  • Scale your marketing and advertising
  • Hire new staff or expand your operations team
  • Take advantage of new opportunities before competitors
The experience

From “I need capital” to funded — on your phone.

01 — APPLY

Five minutes. Zero credit impact.

A short application with a soft pull only. Upload statements right from your phone — no branch visits, no stacks of paperwork.

02 — TALK

A real specialist, not a call center.

Your funding specialist reviews your numbers and explains every option in plain English — including the ones that don’t fit.

03 — COMPARE

See the true cost, side by side.

Total payback, payment schedule and term for every offer — so you pick what actually makes sense for your business.

04 — FUNDED

Capital in your account, often within 24 hours.

Once approved and signed, funds are typically deposited fast — so you can get back to running your business.

Free tools

Know your numbers before you apply.

All tools

Funding calculator

Total payback, payment size and an APR-equivalent for any advance or loan.

Calculate

Compare offers

Put up to three offers side by side and see which truly costs less.

Compare

60-second match

Answer six questions and see which funding types fit your situation.

Find my match

Processing fee check

Find your real card-processing rate — then get a free PayPilot review.

Check fees
Card processing partner

Get paid faster with PayPilot by MCCPS.

Funding helps you grow. Lower processing costs help you keep more of every sale. Fidelity partners with PayPilot by MCCPS for modern, transparent card processing.

  • Free merchant statement review
  • Modern countertop, mobile and tap-to-pay terminals
  • POS integrations for retail, restaurants and services
Industries

Funding for every kind of business.

01

Trucking & Transportation

Cover fuel, drivers and repairs while loads pay in 30–90 days.
02

Restaurants

Equipment, renovations and seasonal staffing on your timeline.
03

Retail

Stock up ahead of busy seasons and smooth uneven revenue.
04

Construction

Materials, payroll and machinery between project draws.
05

Healthcare

Upgrade equipment and bridge slow insurance reimbursements.
06

Auto Services

Lifts, diagnostics, parts inventory and expansion.
07

Beauty & Wellness

Build-outs, chairs, equipment and marketing.
08

Professional Services

Hire, invest in technology and grow your client base.
09

Manufacturing

Raw materials, machinery and bigger purchase orders.
Working with Fidelity Funding was different from every other lender I’ve talked to. They didn’t push one option — they found what actually made sense for my business. I was funded in less than two days.
JRJames R.HVAC Contractor
The funding library

200 guides. Zero fluff.

What Is a Factor Rate? MCA Pricing Explained
6 min read
What Is a Factor Rate? MCA Pricing Explained
Guide · Fidelity Funding
Total Payback vs. APR: Comparing Funding Offers
6 min read
Total Payback vs. APR: Comparing Funding Offers
Guide · Fidelity Funding
How MCA Holdback Percentages Work
6 min read
How MCA Holdback Percentages Work
Guide · Fidelity Funding
Daily vs. Weekly Payments: Which Is Better?
6 min read
Daily vs. Weekly Payments: Which Is Better?
Guide · Fidelity Funding
What Underwriters Look For in Your Bank Statements
6 min read
What Underwriters Look For in Your Bank Statements
Guide · Fidelity Funding
NSFs and Negative Days: Why They Matter
6 min read
NSFs and Negative Days: Why They Matter
Guide · Fidelity Funding
The Real Risks of MCA Stacking
7 min read
The Real Risks of MCA Stacking
Guide · Fidelity Funding
10 Ways to Improve Your Funding Approval Odds
7 min read
10 Ways to Improve Your Funding Approval Odds
Guide · Fidelity Funding

Funding by industry

Trucking CompanyRestaurantRetail StoreConstruction CompanyHVAC BusinessPlumbing BusinessElectrical ContractorRoofing CompanyLandscaping BusinessAuto Repair ShopMedical PracticeDental PracticeChiropractic PracticeVeterinary ClinicIndependent PharmacyHair SalonBarbershopSpa & Wellness CenterGym & Fitness StudioE-commerce BusinessWholesale & DistributionManufacturing CompanyStaffing AgencyCleaning & Janitorial BusinessIT Services & MSPMarketing AgencyLaw FirmAccounting & Bookkeeping FirmReal Estate BrokerageProperty Management CompanyHotel & MotelBar & NightclubCoffee Shop & CafeBakeryFood TruckCatering BusinessConvenience & Grocery StoreLiquor StoreGas StationDaycare & Child Care CenterTutoring & Education BusinessHome Health Care AgencySecurity CompanyEvent & Wedding BusinessPrinting & Sign CompanyFloristPet Grooming & BoardingTowing CompanyCourier & Last-Mile LogisticsFarm & Agriculture Business

Funding options

Merchant Cash AdvanceWorking Capital Loans for Small BusinessesSmall Business Loans: Types, Terms and QualifyingShort-Term Business Loans: 3 to 24 Month FundingBusiness Line of Credit: Revolving Funding ExplainedEquipment Financing: Loans, Leases and How They WorkInvoice Factoring: Turn Unpaid Invoices into CashRevenue-Based Financing: Payments That Flex With SalesSBA Loans Explained: 7(a), 504 and TimelinesBusiness Funding with Bad Credit: What Is RealisticStartup Business Funding: What Is Realistic Early OnSame-Day Business Funding: What Makes Speed PossibleInventory Financing: Stock Up Without Draining CashPayroll Funding: Bridging Gaps Without Getting BurnedSeasonal Business FundingBusiness Expansion LoansMCA Consolidation: When It Helps and When It HurtsPurchase Order FinancingBusiness Term LoansUnsecured Business LoansBusiness Cash Advance vs. Loan: Which Fits You?Fast Business Loans: Speed vs. CostLow-Documentation Business FundingCommercial Vehicle Financing: Trucks, Vans and TrailersRestaurant Equipment Financing: Kitchen Gear, Hoods and POSMedical Equipment Financing: Imaging, Chairs and LasersConstruction Equipment Financing: Excavators, Skid Steers and MoreEmergency Business Funding: What to Do When Cash Runs ShortBusiness Funding for Women EntrepreneursFunding for Minority-Owned Businesses

What businesses fund

Funding to Hire EmployeesFunding to Buy InventoryFunding a Second LocationFunding Business RenovationsFunding Marketing & AdvertisingFunding to Cover PayrollFunding Business Tax BillsFunding Emergency RepairsFunding a Commercial Truck PurchaseFunding POS & Technology UpgradesBridging Cash Flow GapsFunding Seasonal HiringFunding Business Insurance PremiumsFunding a Business Partner BuyoutFunding Government Contract MobilizationFunding to Buy EquipmentFunding New Product LinesFunding a Website or E-commerce BuildFunding a Sales TeamRefinancing Expensive Business DebtFunding a Large Customer OrderFunding a Business RelocationFunding a Business AcquisitionFranchise FundingFunding Fleet ExpansionFunding Software & AutomationFunding Trade Shows & EventsFunding Security & Compliance UpgradesSurviving the Slow SeasonFunding Disaster Recovery
FAQ

Questions, answered.

Still curious?

How long does it take to get approved and funded?

Most applicants receive an initial decision within hours of submitting their information. Once approved, funds can often be deposited in as little as 24 hours, depending on the loan type and documentation required.

Will applying affect my credit score?

No — your initial application and funding analysis use a soft credit pull, meaning it does not impact your credit score. A hard inquiry is only performed if you decide to move forward with a specific lender.

What can I use the funds for?

Almost anything related to your business! From covering payroll and inventory to expanding locations or upgrading equipment — these are just examples. You’re free to use your funding however it best supports your business.

What types of businesses does Fidelity Funding work with?

We work with a wide range of small and mid-sized businesses across every industry — including retail, construction, transportation, healthcare, restaurants, and more. Whether you’re a startup or an established company, we’ll help you find the right financing solution.

Get started

Your next chapter is one application away.

Five minutes. No impact on your credit. A real specialist on your side.

Get Funded (212) 634-9121

Card processing by PayPilot by MCCPS. Fidelity’s payments partner — free statement review, modern terminals and POS integration.

Visit mccp.services
👋 Hi! I can estimate your funding options in under a minute. Want to try?