When time matters most

Emergency funding in 48 to 72 hours.

$25,000 to $2,000,000. No bank required. No collateral. No runaround. If payroll, a supplier, or a contract is on the line, you are closer to a solution than you think.

Call or text: 480-630-9460 Start an inquiry

Are You In The Right Place?

Emergency funding is right when one of these is true.

Payroll is at risk and you need a bridge before revenue lands

A supplier is one missed payment from putting you on cash-on-delivery

A contract just landed that you cannot mobilize without working capital

Revenue has dipped temporarily, making you unbankable even though the business is sound

Your bank or SBA lender has already said no, or you know better than to try

You need an answer in days, not weeks

You're Not Unfundable

You are just in the wrong market.

Banks and SBA lenders use underwriting models built for stability. The moment your business shows signs of stress, a revenue dip, low reserves, recent overdrafts, a few credit inquiries from shopping for capital, their algorithms auto-decline. It is not personal. It is how their risk models work, and those models were never designed for the situation you are in.

The funding I arrange is underwritten differently. It is based on actual deposits moving through your business bank account, not your credit score or balance sheet. If money is flowing through your business, there is almost certainly a deal to be structured.

A lump sum of $25K to $2M is advanced to your account, repaid through fixed weekly ACH withdrawals over an agreed term. Total repayment is set at signing and does not compound. No collateral. No equity given up. Approval in hours, cash in days.

How Fast Is Fast

From first call to cash in your account.

Today

First conversation

You reach out. Within hours we assess your situation, confirm your options, and identify the right lender for your profile.

Day 1-2

Approval

Bank statements submitted. Most approvals come back within hours of a complete application. You will know where you stand fast, often same day.

Day 2-3

Contracts signed

Review the offer with me, ask every question you have, sign when you are confident in what you are agreeing to. No pressure.

Day 3

Cash in your account

Typically 48 to 72 hours from a complete application. In many cases, funded by the end of the week you call.

The Real Cost of Doing Nothing

"Expensive vs. a bank loan" is the wrong comparison when a bank loan is not available.

The right comparison is the cost of capital versus the cost of what happens without it.

Missing payroll

Rarely recoverable. Skilled employees who go unpaid even once start looking that night. The cost of rebuilding a workforce after a payroll miss is often multiples of the advance that would have prevented it.

Losing vendor terms

Once a vendor puts you on COD due to a missed payment, restoring that relationship typically takes 6 to 12 months of clean payment history. Meanwhile you are pre-paying for materials that used to arrive on credit.

Passing on a contract

Saying no to a job you cannot fund trains your referral sources to call someone else. The compounding cost of lost positioning in a relationship-driven industry can set a business back years.

Running out of runway

Cash flow problems, not bad products, are the leading cause of small business failure. Capital that keeps a viable business operating through a temporary crisis is often the most rational decision available.

Three Mistakes To Avoid

When cash is tight, owners make predictable mistakes that make it worse.

Researching lenders on your own

Over 1,000 MCA lenders operate in the US. Fewer than 20 are genuinely reputable. They all have professional websites. You cannot tell them apart from the outside, and every application is another inquiry on your credit.

Using a FinTech aggregator

LendingTree, Fundera, Lendio, Nav: they look like they are doing you a favor. They are selling your contact info to their entire lender network the moment you submit. Your phone rings within minutes for weeks.

Going directly to a lender

MCA lenders pay broker commissions from their own margin. They do not mark up your factor rate to cover my fee. Working with me costs you nothing extra and frequently costs less because of volume leverage.

What You Get Working With Dan

My job is not to sell you a product.

It is to understand your situation and tell you honestly whether emergency funding makes sense, what structure fits, and what to realistically expect. If it is not the right tool, I will say that too.

Immediate clarity on your options

One conversation tells you whether you qualify, approximately how much, at what terms, and how fast.

Access to top-tier lenders only

I work with the top 10-20 reputable MCA lenders in the country. The predatory ones never get near your application.

Better terms than going direct

Volume relationships and a track record of qualified deals give me leverage on factor rates, repayment terms, and structure.

Full support through the process

From document gathering to contract review to funding confirmation. No surprises. No confusion about what you are signing.

Want the full breakdown of factor rates, early payoff math, and how to evaluate the numbers for your situation? Read our complete guide to Merchant Cash Advances.

Do not spend another day trying to figure this out alone.

One conversation can tell you exactly where you stand and what is possible. Every week I help business owners get the capital they need to stabilize, catch their breath, and fight another day. None of them get there by doing nothing.

Call or text: 480-630-9460 Start an inquiry