OpenbookCapital
Check my options
Every option shown with its full cost: payback, dollars, payment and estimated APR.Compare all funding types →
How money moves in 0 industries, and which funding fits each cash cycle.All industries →

Directory

All 0 fundersWhat each one publishes, with sources Compare side by sidePick up to 3 funders Lender listsSorted by what they publish

Popular lists

Funders that publish a price Lowest credit minimums Under 1 year in business Merchant cash advance funders

Well-known funders

Research, not partnerships

Every figure comes from the funder's own website, with the date we checked it. We only mark a funder as a partner where a signed agreement exists.

Browse the directory

How we work

How it worksEvery step and how long it takes The Openbook StandardWhat we promise on every offer

Company

About Openbook PartnersRefer clients, or fund with us Careers

Get in touch

Contact Request a callPick a time that suits you
We're a broker, not a lender

Funders make the credit decisions. We compare their offers and show you what each one costs. Funders pay us when a deal funds, never you upfront.

Read the standard

How it works

From a 3-minute application to money in your account

Every step, what we need from you, and roughly how long each part takes. Most of the waiting happens at the funder, and we tell you where things stand.
Check my options

Step by step

6 steps, and you're in control of 4 of them

  1. 01About 3 minutes

    Tell us what you need

    The amount, what it's for, and a few ranges: time in business, monthly deposits, current advances. No SSN, no bank login, no credit check.

  2. 02Within 1 business day

    Talk to a funding specialist

    We confirm the details and tell you plainly what's realistic, including cheaper options if your file supports them.

  3. 03When you're ready

    Upload bank statements

    The last 4 months, through a secure link. They show funders your real deposits, which matter more than your credit score for most fast funding.

  4. 04Before anything is sent

    Approve the funders

    We name each funder whose published criteria fit your file and explain why. Your file goes only to the ones you approve, and they may check your credit when they review it.

  5. 05Often 1–2 business days after documents

    Compare decoded offers

    Every offer side by side with total payback, dollar cost, payment, term, estimated APR, fees and prepayment terms. Choose one, or walk away.

  6. 06Often 1–2 business days after signing

    The funder verifies and funds

    The funder runs its own checks, which may include a credit check and a short verification call, then sends the contract and funds your account.

What funders look at

What decides your offers

Deposits and consistency matter more than credit for most fast funding. Here's what underwriters read.

Monthly deposits

The amount and how steady it is. Offers are usually sized to deposits.

Negative days and NSFs

Overdrafts and bounced payments signal strain and lower offers.

Existing advances

Current daily or weekly debits reduce how much a new funder will add.

Time and industry

How long you've operated, and whether the funder works in your industry.

How underwriting works, in detail

Questions

About the process

One application, many funders

Know the cost. Then decide

Tell us what you need in about 3 minutes. We compare funders that fit and show every offer with its total payback, dollar cost, payment and estimated APR.

Check my options Request a call
  • About 3 minutes. No SSN and no bank login to start, so checking doesn't affect your credit.
  • 4 months of bank statements. A specialist contacts you within 1 business day and asks for them through a secure link.
  • You approve every funder before your file goes out. No cost to apply, and no obligation to accept.