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Live advisors · 9–9 ET

The fastest working capital in America.

Sixty seconds on the phone. A number before you hang up. A wire before close of business.

G4.9★★★★★500+ reviews BBBACCREDITED · A+ 20,000+businesses funded $20B+through our network
Same-day fundingNo hard credit pullUp to $750,000All 50 statesReal human underwriters$20B+ funded through our network20,000+ businesses helpedOne call, clear terms

Capital that moves at your speed

Small businesses first — no matter what. Fast, flexible working capital, the same process behind 20,000+ funded businesses. You're in good hands.

$750k
same day
Business owner taking the call

“They talked to me like a person and funded me like a business.”

Owner · Funded customer
How it works

Approved in minutes.
Funded the same day.

Keep running your business. Add the capital. Three steps, one afternoon — the phone does all the work.

01
Katy Trust AI CFO
Incoming answer…
00:47
Step 1 · 60 seconds

Talk to Katy Trust AI CFO

One call, no forms. Tell us about the business — revenue, time in business, what the money's for. That is the application.

02
Whole-business review
Deposits · seasonality · momentum
Your number
$85,000
Step 2 · Minutes

A human reads your file

A real underwriter looks at the whole business — not just a credit score. You get a number and clear terms on the call.

03
Wire sent
Business checking ••4821
3:02 PM
Step 3 · Same day

Money hits your checking

E-sign and the wire goes out. Capital lands in your account before close of business — ready to work.

Funding the businesses America runs on, coast to coast

Funding American small businesses, coast to coast
$0B+

Small businesses first — no matter what. One call, and you're in good hands.

Chef-owner at the pass
Auto shop owner
Owner-operator and his rig
0+
Businesses helped
Same-day
Wires before close
50 states
Coast to coast
Our promise to America

We're here for
the ones who build.

For the owner who opens early, closes late, and does it again tomorrow. It took us years — and more than 20,000 funded businesses — to build what answers your call today.

Every pain point, answered.Cash flow, payroll, equipment, expansion — one call covers it.
35 financing products.Your specialist finds the exact fit, with exact rates and terms.
Small business first. Always.Main Street built this country. We work for Main Street.
Why Katy Trust

We're not a bank.
That's the point.

The bank
Katy Trust
Decision time
Weeks of committees
Minutes on the phone
What counts
Your credit score
Your whole business
Collateral
Required, appraised, held
Revenue-based options
Paperwork
Stacks of it
One conversation
Hours
Branch hours
9–9 ET, real humans

Recognized by industry leaders

Inc.5000 TOP 100Businesses & Startups SME BANKINGInnovation Awards VOTEDAmerica's favorite
small business capital
★★★★★
Great
Place
To Work®
One call · every option

35 financing products.
One specialist. One call.

Your dedicated specialist checks you against every product on the desk — and shows you the exact rates and terms you qualify for.

Working capitalRevenue-based financingEquipment programsGrowth capitalBridge capitalInventory financingInvoice factoringPayroll coverageExpansion capitalFranchise fundingSeasonal capitalEmergency capitalMarketing capitalRenovation fundingFleet programs+ 20 more on the call
Texas ✦ Florida ✦ Ohio ✦ Georgia ✦ Michigan ✦ Arizona ✦ Tennessee ✦ Carolina ✦ Nevada ✦ Indiana ✦ Missouri ✦ Colorado ✦ Texas ✦ Florida ✦ Ohio ✦ Georgia ✦ Michigan ✦ Arizona ✦ Tennessee ✦ Carolina ✦ Nevada ✦ Indiana ✦ Missouri ✦ Colorado ✦
California ✦ New York ✦ Illinois ✦ Pennsylvania ✦ Virginia ✦ Washington ✦ Oregon ✦ Alabama ✦ Kentucky ✦ Oklahoma ✦ Kansas ✦ Iowa ✦ California ✦ New York ✦ Illinois ✦ Pennsylvania ✦ Virginia ✦ Washington ✦ Oregon ✦ Alabama ✦ Kentucky ✦ Oklahoma ✦ Kansas ✦ Iowa ✦
All 50 states. One phone number.
Industries

Capital to keep your
 
growing

Real funding for the industries that keep America running.

Your team

Real people pick up.

Advisors on the line 9–9 ET, six days a week — and your file never gets passed around.

JamesSenior advisorDirect line
GraceFunding advisorDirect line
ElenaPrincipal advisorDirect line

Call our AI CFO.
Get approved now.

No paperwork No waiting No pressure
Call (801) 849-9023

Picks up instantly · 24/7 · a human confirms every file