Unsecured Working Capital When Banks Say Wait
Merchant cash advances & small business funding in 1–2 days
Banks take weeks. Online lenders bury you in forms. Need Biz Capital is your ISO — you work with Joseph, not a portal. He submits your file to underwriting. He will get you an offer.
Small Business Funding That Moves at Your Speed
Your ISO packages the file. The wholesale funder underwrites on deposits. Always unsecured working capital — not a bank loan.
Funded in 1–2 Days
After approval, funds typically release the same day or next business day. No weeks in a bank queue.
$2,600 to $1,000,000
Unsecured working capital and merchant cash advances for payroll, inventory, equipment, expansion, or cash-flow gaps.
One-Page Application
Print, sign, and email it with six months of business bank statements. No tax returns, P&L, or balance sheet required to apply.
Banks Said No? Start Here
Credit challenges, bankruptcies, tax liens, and prior turndowns are often still workable. The funder reads your deposits, not just FICO.
How Merchant Cash Advance Funding Works
You work with your ISO. Joseph submits. Underwriting makes you an offer. It is up to you to move forward.
Send Your File
One-page application, signed and dated, plus six months of business bank statements (PDF preferred).
ISO Submits Your File
Joseph sends it to underwriting the same day. You typically receive an offer the next business day.
Get Funded
Once approved, capital is typically released the same day or next business day so you can put it to work.
Use It Your Way
Unsecured — no collateral required. Payroll, inventory, equipment, marketing, or growth. Spend it any way you want.
Why Business Owners Choose 
Joseph is your ISO. Mom & Pop is the wholesale funder. You never get passed around a call center.
Unsecured Working Capital
No collateral required in most cases. Approvals lean on business deposits and revenue, not your house or equipment.
Use Funds for Anything
Cover payroll, stock inventory, buy equipment, run marketing, or bridge a slow month. No restricted-use bank loan.
One Person, Whole Process
You deal with Joseph. He packages the file, advocates with underwriting, and stays on the account if you need more capital later.
All 50 States
Home-based and storefront businesses nationwide. Fast decisions regardless of where you operate.
Who Qualifies for Unsecured Business Funding?
More flexible than a bank loan. Built for owners who need capital on deposits, not perfect credit.
- 500+ FICO (soft pull in most cases)
- $4,000–$6,000+ in monthly revenue
- 4 to 6 income deposits per month
- At least 67% ownership
- Max 7 negative days per month
- Consistent deposits — time in business can be short if the bank activity is there (home-based OK)
- Bankruptcies and tax liens often acceptable (liens over $50k should be in a payment plan)
- Previous bank turndowns OK
- Strong fit: restaurants, medical, trades, auto repair, retail, hospitality, wholesale
- No collateral required in most cases
Every file is different. Send the application — no obligation, and you will usually know the next business day.
Apply in Minutes, Not Days
No tax returns, P&L, or balance sheet required to apply. Send two items and get a merchant cash advance offer fast.
1. Mom & Pop Business Funding Application
Download the Mom & Pop one-page application, print it, complete every field, then sign and date it.
2. Six Months of Bank Statements
Business account statements, PDF preferred. This is how underwriting reads your revenue for an MCA or working-capital offer.
3. Email Joseph Today
Send the signed application and statements to:
Typical turnaround: offer the next business day.
Merchant Cash Advance FAQs
Straight answers on MCA funding, timelines, collateral, and who Need Biz Capital is — before you send a file.
What is a merchant cash advance?
A merchant cash advance (MCA) is working capital repaid from a share of future business deposits — daily, weekly, or monthly — instead of a long bank-loan amortization. It is a common option when a bank will not move fast enough, or will not approve the file. Cost is typically higher than a bank loan. Need Biz Capital presents your file; the funder sets terms.
How fast can I get funded?
Send a complete file (signed one-page application plus six months of statements) and you typically receive an offer the next business day. After approval, funds are usually released the same day or the next business day.
Do I need collateral?
No collateral is required in most cases. Underwriting focuses on business revenue and bank deposits, not your personal assets.
What if a bank already turned me down?
Prior turndowns, credit challenges, bankruptcies, and many tax liens are often still workable. Liens over $50,000 should be in a payment plan. The best proof is a complete file — not a credit guess.
What can I use the money for?
Almost any business purpose: payroll, inventory, equipment, marketing, expansion, or covering a cash-flow gap. Unsecured working capital is not a restricted bank loan.
How much working capital can I get?
Funding typically ranges from about $2,600 to $1,000,000. Exact offers depend on deposits, revenue consistency, and underwriting. The funder — not Need Biz Capital — sets the amount and terms.
Do you fund businesses in my state?
Yes. Need Biz Capital works with owners in all 50 states, including home-based businesses that show consistent deposits.
Who is Need Biz Capital?
Need Biz Capital is an Independent Sales Organization (ISO) partner of Mom & Pop Merchant Solutions DBA Mom & Pop Business Funding. You work with Joseph Cook. He packages your file and stays on it. Mom & Pop is the wholesale funder: they underwrite and disburse. We do not fund loans ourselves.
Send Your File. Get an Offer Tomorrow.
Download the Mom & Pop Business Funding application, complete it, and email it with six months of statements. Joseph submits. You decide.
Joseph Cook
Need Biz Capital · ISO Partner
Print the Mom & Pop Business Funding application, fill it out, sign and date it, and email it with your last six months of business bank statements. I submit the file. You typically get an offer the next business day.
Download Mom & Pop ApplicationQuestions before you apply? Call or email Joseph directly — no call center.