Simple financial solutions for your small business — approvals in hours, funding in as little as 24 hours, and terms built around how your revenue actually comes in.
Applying takes about two minutes and won't affect your credit.
For ISO partners
Looking for a reliable funding partner for your clients? Gravity gives ISOs fast turnarounds, straight answers from a real underwriter, and commissions paid on time — every time.
ISO PartnersAbout Gravity
Every business owner deserves access to the right financial resources. Banks take weeks and say no to most of Main Street. We look at how your business actually performs — not just a credit score — and we give you a straight answer fast.
Apply in minutes with a one-page application and your last few months of bank statements. Most complete files get a decision the same day.
No collateral requirements, no lengthy business plans, no hidden fees. You know the total cost and the payment schedule before you sign anything.
You get a real person who knows your file — not a call center. The same rep is there for renewals, questions, and when something changes.
What we offer
One straightforward product, structured to fit your revenue — plus renewals as you grow.
We purchase a fixed amount of your future receivables at a discount. You remit a small, agreed amount by ACH each business day or each week until the balance is delivered.
$50,000 – $5,000,000 · 3–15 months · daily or weekly ACH
Once you've paid down a meaningful portion of your advance, you can renew for more — usually at better terms than the first time, and often the same day you ask.
Available from ~50% paid down · same-day turnaround
Cover payroll through a slow month, buy inventory ahead of your busy season, take on a bigger job, repair equipment, or open a second location.
Use of funds is yours · no restrictions
Do you qualify?
We fund restaurants, contractors, trucking and logistics, auto shops, retail, medical and dental practices, salons, wholesalers, staffing firms, and just about every other kind of Main Street business.
Prior credit trouble, a tax lien, or a past decline elsewhere doesn't automatically disqualify you. Tell us the situation and we'll tell you straight where you stand.
See What You Qualify ForHow it works
Fill out the short application and send your last four months of bank statements. It takes about two minutes and there's no cost to apply.
A real underwriter reviews your file — usually the same day. You'll get an offer with the amount, the total cost, and the payment schedule spelled out.
Sign electronically and the money is wired or ACHed to your business account, typically within 24 to 48 hours.
Merchant reviews
What business owners say about working with Gravity.
"I've been working with Gravity since 2019 and they're awesome. Every renewal has been faster and easier than the last one."
"Applied on a Tuesday morning and the money was in my account Wednesday. My bank had me waiting three weeks for a no."
"They actually explained the payment schedule and the total cost up front. No surprises later, which is not what I got from the last company I used."
"When COVID hit they worked with me on my payments instead of just hammering my account. I don't forget that."
"Two trucks went down the same week. Gravity got me funded in a day and I never missed a load."
"Same rep every time I call, and she knows my file before I finish explaining. That's rare in this business."
Quotes are illustrative.
Contact
Send us a note and someone from the team will get back to you — whether you're a business owner looking for capital or an ISO looking for a funding partner.
Find out what your business qualifies for. Applying takes about two minutes.