Funding from $5,000 to $2,000,000. Apply online and get a decision the same business day — reviewed personally, not by an algorithm.
How much money does your business need?
Applying is free and won’t impact your credit score
Minimum Requirements:
Why business owners choose us
Simple Application
Secure & Confidential
Same-Day Decisions
Reviewed by Alex personally
Funded in 24 Hours
Direct deposit to your account
No Collateral Required
All products fully unsecured
$5K–$2M
Available Funding
24hr
Fastest Funding
700+
Industries Served
How It Works
Our simple online application is designed to keep the process fast and stress-free. Most clients receive a decision the same business day they apply.
Step 1
Apply Online
Answer a few simple questions about your business and upload your bank statements. Our secure application takes about 5 minutes.
Step 2
Review & Approval
Alex personally reviews your application and presents the best available funding options with your exact terms clearly laid out before you commit.
Step 3
Sign & Get Funded
After signing your agreement, funds are deposited directly into your business bank account — as fast as the same business day after approval.
How much money does your business need?
Applying is free and won’t impact your credit score
*Applying is free and won’t impact your credit score
Why Choose Ascend Capital
We make small business funding simple. Apply online for working capital, a term loan, or a line of credit — all reviewed personally from one simple application.
Have questions? Call us (347) 201-3006
Our Funding Solutions
Working Capital Loan
$5,000 – $2,000,000 · From 1.10x
Business Term Loan
$5,000 – $2,000,000 · 6–24 months
Line of Credit
$6,000 – $250,000 · From 7.80% APR
Have questions? Call us (347) 201-3006
Industries We Fund
No industry restrictions. If your business has consistent revenue, we want to help it grow. View all industries →
How Our Clients Use Their Funding
Funding Amount
$185,000
Industry
Restaurant — New York
Purpose
Kitchen equipment & expansion
Funding Amount
$420,000
Industry
Trucking — New Jersey
Purpose
Fleet expansion
Funding Amount
$95,000
Industry
Medical Practice — Florida
Purpose
Payroll & equipment
Funding Amount
$600,000
Industry
E-Commerce — Illinois
Purpose
Purchasing inventory
Client Reviews
"The process was smoother than any lender I’ve used. Alex reviewed my file personally and I had money in my account the next morning. No runaround at all."
Maria R.
Restaurant Owner — New York, NY
"Two banks passed on me. Ascend looked at the full picture and funded me in 24 hours. I knew every number before I signed. That kind of transparency is rare."
James T.
Trucking Company — New Jersey
"I’ve renewed three times now. Better terms each round. Alex knows my business at this point. I wouldn’t work with anyone else for funding."
Sandra M.
Medical Practice — Long Island, NY
FAQ
One simple application. Three flexible products. Alex reviews your full profile and walks you through every available option before you commit to anything.
Compare Products
Not sure which product is right for you? Apply and Alex will review your full business profile and recommend the best fit. No commitment required.
Full Comparison
| Detail | Working Capital | Term Loan | Line of Credit |
|---|---|---|---|
| Loan Amount | $5,000 – $2,000,000 | $5,000 – $2,000,000 | $6,000 – $250,000 |
| Rate | From 1.10x factor rate | From 1.10x factor rate | From 7.80% APR |
| Term Length | 6 to 24 months | 6 to 24 months | 12, 18, or 24 months |
| Payment Schedule | Daily, weekly, or monthly | Fixed monthly | Interest only on what you use |
| Total Cost Known Upfront | Yes — fixed at signing | Yes — fixed at signing | Varies based on balance used |
| Collateral Required | None | None | None |
| Prepayment Penalty | None — Early payoff discounts available | None — Early payoff discounts available | None |
| Funding Speed | As fast as 24 hours | As fast as 24 hours | As fast as 24 hours |
| Renewals Available | Yes — often better terms | Yes — often better terms | Revolving after paydown |
| Best For | Cash flow, payroll, inventory | Planned investments & growth | Ongoing or seasonal needs |
Not sure which product is right for you?
Apply and Alex will review your full business profile and recommend the best fit.
*Applying is free and won’t impact your credit score
Working Capital Loan
Access $5,000 to $2,000,000 in working capital with factor rates starting from 1.10x. Same-day decisions. Funded in as little as 24 hours.
Product Overview
What Is a Working Capital Loan?
A working capital loan gives your business immediate access to cash to cover day-to-day operating expenses — payroll, inventory, rent, supplier payments, and more. Unlike a traditional bank loan, it’s fast, flexible, and does not require collateral.
Fixed Factor Rate — No Surprises
Your rate is set at the start and never changes. A $100,000 loan at a 1.10x factor rate means you repay exactly $110,000 total. You know your full cost before you sign — no compounding, no variable changes.
Flexible Payment Schedules
Choose daily, weekly, or monthly payments based on your cash flow cycle. If your business collects daily, daily payments keep the balance low faster. If you invoice monthly, monthly payments match your cycle.
No Collateral — Fully Unsecured
You are not required to pledge any business equipment, real estate, inventory, or personal assets. Approval is based on your business revenue history and overall financial profile.
No Prepayment Penalties — Early Payoff Discounts
You can pay off your loan early at any time with no penalties. We actually offer early payoff discounts — the faster you pay, the less you owe. Ask Alex about your early payoff discount when reviewing your offer.
Renewal Program
Clients who complete their loan on time are eligible for renewal — typically at better rates and larger amounts. Many Ascend Capital clients renew multiple times as their business grows.
Same-Day Decision
Alex reviews your file the same business day you apply. You receive your exact offer — amount, rate, term, and payment — before you are asked to commit to anything.
Common Uses
Payroll
Keep your team paid during slow seasons or gaps between receivables.
Inventory
Stock up before peak season or take advantage of bulk supplier discounts.
Cash Flow Gaps
Bridge the gap between when you pay suppliers and when customers pay you.
Operating Costs
Cover rent, utilities, insurance, and other fixed costs during growth phases.
Requirements
These are the minimum requirements to apply. Not sure? Apply and Alex will tell you exactly where you stand — no commitment required.
6+ months in business
500+ personal credit score
$15,000+ in average monthly revenue
Active business checking account
3 most recent business bank statements
No open bankruptcies
Business Term Loan
Fixed monthly payments. No collateral. No prepayment penalties — early payoff discounts available. Know your exact cost before you sign. Factor rates from 1.10x.
Product Overview
What Is a Business Term Loan?
A business term loan provides a lump sum of capital that you repay in fixed monthly installments over a set period. It functions like a traditional bank loan but with faster approval, no collateral requirement, and complete transparency on your total cost upfront.
Fixed Monthly Payments
Your payment never changes. The same amount comes out every month for the length of your term, making it easy to budget and plan ahead. No variable rates, no unexpected changes.
Know Your Total Cost Before You Sign
A factor rate means your total repayment is calculated upfront. A $200,000 loan at 1.20x means you repay $240,000 total over your term. That number is locked in at signing and never changes.
No Collateral Required
The term loan is fully unsecured. Approval is based on your business revenue and overall financial health — not on pledging assets you can’t afford to lose.
No Prepayment Penalties — Early Payoff Discounts
Pay off your loan early at any time with no penalties. We offer early payoff discounts — the faster you pay down your balance, the less your total cost. Ask Alex about your options at signing.
Faster Than a Bank
Traditional bank term loans take weeks or months. Ascend Capital provides a same-day decision and funding in as little as 24 hours after approval — without the paperwork or waiting.
Renewal at Better Terms
After completing your term loan, clients with strong repayment history regularly qualify for renewals at better rates and larger amounts. The relationship improves over time.
Requirements
These are the minimum requirements to apply for a business term loan through Ascend Capital.
6+ months in business
500+ personal credit score
$15,000+ in average monthly revenue
3 most recent business bank statements
Active business checking account
No open bankruptcies
Revolving Line of Credit
$6,000 to $250,000. Pay only on what you use. Draw it down, pay it back, use it again. No draw fees. No collateral. From 7.80% APR.
Product Overview
What Is a Line of Credit?
A business line of credit gives you access to a pool of capital up to your approved limit. You draw from it when you need it, pay interest only on what you’ve used, and once you pay it down, the funds become available again. It’s the most flexible funding product available for businesses with recurring or seasonal cash flow needs.
Pay Only on What You Use
If you’re approved for a $100,000 line but only draw $30,000, you only pay interest on the $30,000 you used — not on the full $100,000 limit. Your cost scales directly with what you actually need.
Revolving Access
As you pay down your balance, the credit becomes available again. Draw it, pay it back, and access it again — without having to reapply each time. Ideal for businesses with recurring cash flow needs.
No Draw Fees
There are no fees charged when you draw from your line. You are only charged interest on your outstanding balance. No transaction fees, no access fees, no hidden costs.
No Collateral Required
Like all Ascend Capital products, the line of credit is fully unsecured. No assets are pledged. Approval is based on your business revenue history and creditworthiness.
Best for Seasonal Businesses
If your business revenue fluctuates by season, a line of credit is the ideal product. Draw in slow months, repay when revenue picks up, and access the line again the following year.
Predictable APR Rate
Unlike factor-rate products, the line of credit uses an APR structure starting from 7.80%. Your interest cost is straightforward and directly tied to how much you borrow and for how long.
Requirements
6+ months in business
500+ personal credit score
$15,000+ in average monthly revenue
3 most recent business bank statements
Active business checking account
No open bankruptcies
From application to funded in as little as 24 hours. Here is exactly what happens at every step of the process, and what you need to get started.
The Process
We have designed the process to be as straightforward as possible. No branch visits. No endless paperwork. No waiting weeks for a decision.
Complete the Online Application
Fill out our secure online application on this website. You will provide basic information about your business and yourself as the owner. The application takes about 5 minutes and does not require tax returns for most submissions.
What you need: Business name and address, EIN, time in business, monthly revenue estimate, and your personal information as the primary owner.
Upload Your Bank Statements
Upload your 3 most recent business bank statements (4 if your business is located in California or New York). These are used to verify your revenue and understand your cash flow patterns. PDF, JPG, and PNG formats are accepted.
Why bank statements? We look at your actual revenue and cash flow — not just a credit score. Bank statements give us a real picture of your business health so we can make a fair decision.
Alex Reviews Your File Personally
Every application is reviewed personally by Alex Weiss — not by an automated system. Alex looks at your full business profile, revenue trends, and overall financial health to determine the best available funding options for your specific situation.
Same-day turnaround: Alex reviews files the same business day they are submitted. You will receive a response by phone or email with your options, typically within a few hours.
Review Your Exact Offer
You receive your exact offer — not a range, not an estimate. Your approved amount, factor rate or APR, term length, payment amount, and total repayment are all disclosed clearly before you are asked to make any decision. No pressure. No commitment until you sign.
Example: $150,000 at a 1.15x factor rate over 18 months = $172,500 total payback at $9,583 per month. Every number is clear before you sign.
Sign and Receive Your Funds
If you choose to move forward, sign your agreement electronically and your funds are deposited directly into your business bank account. Funding happens as fast as the same business day after your signed agreement is received — and typically within 24 hours.
No wire delays: Funds are sent via ACH directly to your business checking account. Most clients see funds the next business morning after signing.
Documents You Need
Gathering these ahead of time makes the process faster. Most businesses have everything they need in under 10 minutes.
Business Bank Statements
Your 3 most recent full months of business bank statements. Must show your business name. PDFs from your bank’s online portal are preferred.
CA & NY applicants: 4 months required
Business Information
Your business legal name, DBA (if applicable), EIN, business address, legal entity type (LLC, Corp, Sole Proprietor), and business start date.
Owner Information
Primary owner’s full name, home address, date of birth, Social Security number, and percentage of ownership. Required for identity verification.
Monthly Revenue Estimate
A rough estimate of your average monthly revenue. Your bank statements will verify this — it just helps us route your file to the right review tier immediately.
Funding Amount Needed
How much your business needs and what you plan to use it for. This helps Alex identify the best product and structure for your situation.
Owner Signature
A digital signature from the primary business owner, drawn directly in the application. Authorizes Ascend Capital to review your file and contact you with your options.
Timeline
Application
5 min
Online form + upload
Decision
Same Day
Personal review by Alex
Funding
24 Hours
After signed agreement
Total
< 48 hrs
Start to funded
Ascend Capital is a business funding company based in New York. We help small businesses across all 50 states access the capital they need to grow — fast, transparently, and without unnecessary complexity.
Our Mission
No endless paperwork. No waiting games. No automated systems making decisions without context. Just fast access to the capital your business needs, reviewed by a real person who takes the time to understand your situation.
We work with businesses of all types and sizes, across every industry. As long as your business has been operating for at least 6 months with consistent monthly revenue, we are ready to work with you.
Our goal is straightforward: give every business owner clear, honest information so they can make the best decision for their company — with no pressure, no runaround, and no surprises at signing.
Alex Weiss
Business Growth Consultant — Ascend Capital
Alex personally reviews every application that comes through Ascend Capital. He believes business owners deserve straightforward answers — not confusing rate structures or automated systems that make decisions without context.
Every file is reviewed individually. Every offer is explained clearly. And every client knows exactly what they are signing before they commit to anything.
Our Values
Our values are the backbone of how we do business every day.
Keeping It Real
We believe in straight talk and no surprises. We give you the full picture — the good, the bad, and everything in between. No hidden fees, no confusing terms. Just honest, transparent business funding you can count on.
It Is All About You
Your success is our success. We take the time to understand your unique business and find a funding option that actually fits — not the one that is easiest for us to sell.
Always Evolving
The business world does not stand still, and neither do we. We are always looking for better ways to make funding faster, simpler, and more accessible for the businesses that need it.
Going the Extra Mile
We do not just aim to meet expectations — we aim to exceed them. From the application to the final payment, we are committed to making every interaction worth your time.
By the Numbers
$5K
Minimum funding available
$2M
Maximum funding available
700+
Industries served nationwide
50
States served across the US
No industry restrictions. Ascend Capital works with businesses of all types and sizes. If your business has been operating for at least 6 months with consistent monthly revenue, we are ready to review your file.
Industries We Serve
From restaurants to trucking companies, medical practices to e-commerce stores — Ascend Capital has funded businesses across every industry. Here are some of the most common industries we work with.
Restaurants & Catering
Working capital for food costs, equipment, renovations, payroll, and expansion into new locations.
Transportation & Trucking
Fleet expansion, fuel costs, equipment repair, insurance, and cash flow between load payouts.
Healthcare & Medical
Medical equipment, payroll, practice expansion, and cash flow gaps between insurance reimbursements.
Retail & E-Commerce
Inventory purchasing, marketing spend, warehouse costs, and bridging seasonal revenue gaps.
Construction & Contracting
Materials, equipment, labor costs, and bridge capital between project milestones and client payments.
Hospitality & Hotels
Renovations, staffing, operating costs, and marketing during off-peak seasons.
Auto Repair & Dealerships
Parts inventory, shop upgrades, equipment, payroll, and managing cash flow between service completions.
Professional Services
Consulting firms, law offices, accounting practices, and agencies covering payroll and operating costs.
Manufacturing
Raw materials, equipment upgrades, payroll, and bridge capital between production and delivery payments.
Beauty & Wellness
Salon renovations, spa equipment, product inventory, and staffing for beauty and wellness businesses.
Real Estate
Working capital for property management companies, real estate agencies, and related service businesses.
Technology
Software development firms, IT services, tech startups, and SaaS companies covering operating costs.
Agriculture & Farming
Equipment, seeds, supplies, and bridge capital between planting and harvest revenue.
HVAC & Ventilation
Equipment, parts inventory, fleet vehicles, and payroll between seasonal peaks.
Insurance Agencies
Operating costs, marketing, staffing, and technology for independent insurance agencies.
Law Firms & Legal
Payroll, office costs, and operating capital for small and mid-size law firms.
Home Services
Plumbing, electrical, roofing, landscaping, and cleaning businesses covering equipment and payroll.
Staffing Companies
Payroll bridge capital, recruiting costs, and operating expenses for staffing and temp agencies.
Gas & Oil
Equipment, operations, and working capital for businesses in the energy sector.
Wholesale & Distribution
Inventory purchasing, warehouse costs, and cash flow between supplier payments and client receipts.
Solar & Energy
Equipment, installation costs, and working capital for renewable energy businesses.
And 700+ More
No industry restrictions. If your business has consistent revenue, we want to help it grow. Apply and Alex will review your file.
Real reviews from real business owners who have used Ascend Capital to access working capital, term loans, and lines of credit.
5.0
Average Rating
100%
Would Recommend
24hr
Average Funding Speed
"The process was smoother than any lender I have dealt with. Alex reviewed my file personally, explained every term clearly, and I had money in my account the next morning. No runaround at all."
Maria R.
Restaurant Owner — New York, NY
"Two banks passed on me. Ascend looked at the full picture of my business — not just a credit score — and funded me in 24 hours. I knew every number before I signed. That kind of transparency is rare."
James T.
Trucking Company — New Jersey
"I have renewed three times now. Better terms each round. Alex knows my business at this point and the whole process gets easier every time. I would not work with anyone else."
Sandra M.
Medical Practice — Long Island, NY
"I needed capital fast to cover a payroll gap. Alex responded the same day I applied, had an offer ready by afternoon, and funds were in my account by the next morning. Exactly what I needed."
David K.
Staffing Company — Florida
"We used the working capital loan to buy inventory before our peak season. The process was clean and straightforward. Alex explained every detail. No surprises, no stress."
Lisa P.
Retail Store — Texas
"After a slow winter, we needed capital to get back on track. Ascend Capital was the only lender that looked at our full situation instead of just our credit score. Funded within 24 hours."
Carlos M.
Construction Company — California
Ready to experience the Ascend Capital difference?
Apply in minutes. Same-day decision. Funded in as little as 24 hours.
Answers to the most common questions about Ascend Capital, our funding products, the application process, and how it all works.
Still have questions?
Call or text Alex directly at (347) 201-3006 or email alex@ascendconsultationgroup.com
Complete the application below. Alex reviews every file personally and responds the same business day with your exact offer — before you commit to anything.
Start your online application and get the capital your business needs to keep growing. Applying is free and will not impact your credit score.
Prefer to talk first?
(347) 201-3006 — Call or text Alex directly
alex@ascendconsultationgroup.com
Monday – Friday · 9:00 AM – 8:00 PM EST
Minimum Requirements
Quick Start
Step 1 of 4
Tell us about yourself.
Basic info to open your file. No credit pull at this stage.
Required.
Required.
Valid email required.
Required.
Required.
Required.
Required.
Business information.
Legal details about your business.
Required.
Required.
Required.
Required.
Required.
Required.
Required.
Required.
Owner information.
Personal details for the primary owner. Kept strictly confidential.
Required.
Required.
Required.
Required.
Required.
Required.
Required.
Required.
Documents & signature.
Final step — upload your bank statements and sign to complete.
3 most recent required · CA & NY applicants: 4 most recent required
Click to upload or drag & drop
PDF, JPG, PNG · Up to 25MB each
Please upload at least 1 bank statement.
Please provide your signature.
Required.
Required.
By submitting, I authorize Ascend Capital to verify my identity, review my business information, and contact me regarding my application. I confirm all information is accurate.
Application Received
Thank you, . Your application has been submitted. Alex will review your file personally and respond the same business day.
Last updated: January 1, 2026. Please read these terms carefully before using our website or submitting an application.
By accessing or using the Ascend Capital website located at ascendconsultationgroup.com (the "Site") or submitting an application for business funding, you agree to be bound by these Terms and Conditions. If you do not agree to these terms, please do not use this Site or submit an application.
Ascend Capital is a direct business lender that also works with a select network of trusted funding partners. By submitting an application, you authorize Ascend Capital to review your business information, verify your identity, and contact you regarding available funding options. Submission of an application does not constitute a commitment to lend or guarantee of approval.
All funding is subject to underwriting review and approval based on your business profile, creditworthiness, and applicable state and federal regulations. Approved amounts, rates, and terms may differ from any estimates provided prior to full underwriting.
By submitting an application, you represent and warrant that all information provided is accurate, complete, and truthful to the best of your knowledge. You agree to notify Ascend Capital of any changes to your information that may affect your application or loan agreement. Providing false or misleading information may result in denial of funding and potential legal consequences.
Submitting an application constitutes your written authorization for Ascend Capital and its funding partners to obtain consumer and business credit reports and other information necessary to process your application. An initial soft inquiry will not affect your personal credit score. A hard credit inquiry may be performed if you elect to proceed with a funding offer, and only with your consent at that time.
All rates, fees, and terms displayed on this Site are for illustrative purposes only. Actual factor rates, APRs, origination fees, and terms are determined based on each applicant's individual business profile and are disclosed in full prior to signing any loan agreement.
Early payoff discounts may be available and will be disclosed in your loan agreement. No prepayment penalties apply. All fees are disclosed upfront before you commit to any product.
All content on this Site, including text, graphics, logos, and design, is the property of Ascend Capital and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from any content on this Site without prior written permission.
Ascend Capital is not liable for any indirect, incidental, special, or consequential damages arising from your use of this Site or reliance on any information provided herein. Information on this Site is provided for general informational purposes and does not constitute financial, legal, or tax advice. You should consult appropriate professionals before making financial decisions.
By submitting an application or your contact information, you consent to receive calls, emails, and text messages from Ascend Capital regarding your application and available funding products. You may opt out of marketing communications at any time by contacting us at alex@ascendconsultationgroup.com. Standard message and data rates may apply for text communications.
These Terms and Conditions are governed by the laws of the State of New York, without regard to conflict of law principles. Any disputes arising under these terms shall be resolved in the courts of New York.
Ascend Capital reserves the right to modify these Terms and Conditions at any time. Changes will be effective upon posting to this Site. Your continued use of the Site after any changes constitutes your acceptance of the updated terms.
Questions about these terms? Contact us at alex@ascendconsultationgroup.com or call (347) 201-3006.
Last updated: January 1, 2026. This policy explains how Ascend Capital collects, uses, and protects your personal information.
When you submit an application or contact us, we collect the following categories of information:
We use the information we collect to:
Ascend Capital does not sell your personal information. We may share your information only in the following circumstances:
We take the security of your personal information seriously. Our application is transmitted using industry-standard SSL/TLS encryption. Sensitive information such as Social Security numbers are handled in accordance with applicable data protection standards. While we implement commercially reasonable security measures, no method of transmission over the internet is 100% secure.
You have the following rights regarding your personal information:
To exercise any of these rights, contact us at alex@ascendconsultationgroup.com or (347) 201-3006.
Our Site may use cookies and similar tracking technologies to improve your browsing experience and analyze Site usage. You can control cookie settings through your browser. Disabling cookies may affect some Site functionality.
We retain your personal information for as long as necessary to fulfill the purposes described in this policy, comply with legal obligations, resolve disputes, and enforce our agreements. Application information is typically retained for a minimum of 7 years in accordance with financial record-keeping requirements.
California residents have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information is collected, the right to delete personal information, and the right to opt-out of the sale of personal information. Ascend Capital does not sell personal information. To exercise your California privacy rights, contact us at alex@ascendconsultationgroup.com.
We may update this Privacy Policy from time to time. We will notify you of significant changes by posting a notice on our Site. Your continued use of the Site after any changes constitutes your acceptance of the updated policy.
If you have questions or concerns about this Privacy Policy or how we handle your information, please contact us:
Ascend Capital
Alex Weiss — Business Growth Consultant
New York City, NY
(347) 201-3006
alex@ascendconsultationgroup.com