TurboCap - High-Velocity Business Capital

High-Velocity Business Financing

We don't judge, we fund.

Tired of lenders treating a rough patch like the end of your business?

Default judgments, bruised credit, NSF, restricted industry, tax liens, and 'just because' declines happen when you're in the trenches.

Bring us your file. We back ambitious business owners with straight answers, zero judgment, and fast capital structured around your actual cash flow.

Apply Now ISO Partners

No Credit Minimum

No Collateral Required

Same-Day Approval

RESTAURANTS· RETAIL & E-COMMERCE· HEALTHCARE· CONSTRUCTION & TRADES· TRANSPORTATION· TECHNOLOGY & SAAS· MANUFACTURING· PROFESSIONAL SERVICES· RESTAURANTS· RETAIL & E-COMMERCE· HEALTHCARE· CONSTRUCTION & TRADES· TRANSPORTATION· TECHNOLOGY & SAAS· MANUFACTURING· PROFESSIONAL SERVICES·

Capital Deployed

$ 0 M+

Businesses Funded

0 +

Avg Funding Speed

0 hrs

Approval Rate (Qual. Files)

0 %

- Why TurboCap? -

The speed you need. With terms you see.

Traditional banks care about a static score. We care about your cash flow and your potential.

Up to $500K in 24 Hours

Automated infrastructure deploys capital within 24hrs of approval — no waiting on a committee.

No Collateral Required

Your revenue is the only asset we need. No liens, no personal guarantees on assets.

Transparent Factor Rates

We show you the exact payback amount before you sign. No surprises buried in the contract.

Flexible Repayment

Daily or weekly remittance tied to your actual cash flow, not a fixed calendar.

High Approval Rates

We look at your business holistically — revenue, deposits, and trajectory — not just a score.

Real Humans. Real Support.

Actual funding specialists available to walk you through every step. No scripts, no hold queues.

- FLEXIBLE QUALIFICATION -

We Look at the Full Picture

Our underwriting engine evaluates your revenue, deposit history, and business trajectory — not just a credit score. That means more businesses qualify, including those with imperfect credit histories.

We accept files with prior defaults, subprime credit, and challenging histories — as long as your current cash flow tells a strong story.

CRITERIA	REQUIREMENT
Minimum FICO	None — Imperfect credit considered
Time in Business	1 Year — Minimum operating history
Monthly Deposits	$50K+ — Average monthly bank deposits
Negative Days / Month	≤ 5 — Max negative balance days
Repayment Options	Daily / Weekly — Tied to cash flow
Defaults & Collections	Accepted — Reviewed case by case

Real Clients

What Business Owners Say.

★ ★ ★ ★ ★

The process was flawless. They told me the exact factor rate, exact payback, and after a brief call with one of the owners, funds hit before I expected. No games, no surprises.

Marc Thompson

Trucking Company, Atlanta, GA

Every other lender buried the real cost. TurboCap showed the exact payback before I signed. That transparency made all the difference.

Igor Scirelli

Dry Cleaning Company, Chicago, IL

My credit history was a mess. TurboCap looked at my revenue instead and got me funded in under a day. These guys actually get it.

Kevin Carroll

Construction Company, Astoria, NY

I had two default judgments from an old partnership. Three other lenders laughed me off the phone. TurboCap funded me $45K same day. These guys are the real deal.

Tom Figueroa

Wholesaler, Tempe, AZ

- GET STARTED TODAY -

Your Revenue is Your Approval

Stop waiting on banks that don't understand your business. Our underwriting engine is analyzing files right now.

Start Your Application

- THE PROCESS -

Funded in Four Steps

We stripped out the bureaucracy. What’s left is a straight line from application to capital.

Apply in Minutes

Complete our application and upload 4 months of bank statements via our secure portal. No fax machines. No paper forms.

Instant Pre-Approval

Our engine analyzes your revenue and deposit history — not just a score. You get a pre-approval decision in real time. No committee. No waiting.

Review Your Terms

Factor rate, payback amount, term length, and remittance schedule — disclosed upfront in plain language. No surprises. No pressure.

Capital Deployed

Sign your agreement and funds are in your account within 24 hours. Automated infrastructure moves capital fast — no manual delays.

HIGH-RISK FUNDING

The "Misfit Merchant" Program

Most lenders have a clean-file checklist. We built a program for everyone who doesn’t fit it.

At TurboCap, there’s a home for all merchants. We review every file on a case-by-case basis and fund what the data actually supports.

NO INDUSTRY RESTRICTIONS

We fund across all industries. If you have revenue, we'll take a look.

FUNDING THAT FITS

Funding structured around your business, your revenue, and situation.

YOUR STORY MATTERS

More than a credit score, we look at your business and where it stands today.

A HOME FOR EVERY MERCHANT

Not every business fits traditional funding models. Let us take a closer look.

Qualification Criteria

QUALIFICATION CRITERIA

Defaults OK

Files in default, collections, or debt consolidation welcome

NO Minimum FICO

We work with credit scores that make banks nervous

1 Year in Business

Just need 12 months of operation history

$50K Monthly Deposits

Show us the revenue, we'll show you the money

Max 4 Negative Days/Month

A few bumps in the road? No problem

Daily & Weekly Payments

Flexible terms that work with their cash flow

PROGRAM GUIDELINES

$5K — $50K Starting

Initial funding amounts for high-risk files. Build trust, then grow.

Up to 3 Month Terms

Short initial terms with increases available upon refinance and renewal.

1st — 10th Position

1st position preferred. 11+ positions considered with prior MCA history and ZBLs.

No Restricted Industries

We don't discriminate by industry. If they've got revenue, we've got options.