Choose your target
Tell us what the business does, its revenue range, and what you want to unlock.
30 sec Direct capital, intelligent underwriting
Capital that sees your business clearly.
Move from a 30-second eligibility check to a firm offer built on how your business actually earns, spends, and grows.
No hard credit pull Read-only bank connection Firm terms before signing
Explore a target10K — 500K
Working capital you’re looking for
$75,000
Scroll to explore Stelo / 2026
Processor revenueSeasonality Existing positionsNSF context Internal transfersCash-flow trajectory Processor revenueSeasonality Existing positionsNSF context
01 / Start here
See your range before anyone calls.
Five quick inputs. An immediate estimate. No hard credit pull and no obligation. Your bank connection comes later, when you are ready for firm terms.
02 / A cleaner path to capital
Less paperwork.
More signal.
The fastest process is not the one that skips underwriting. It is the one that knows exactly which data matters.
Connect the business
Share read-only bank activity through a secure, tokenized connection.
SecureReview firm terms
See the purchased amount, remittance, frequency, and state disclosures first.
Clear
Stelo bank intelligence Revenue confidence High
Processor settlementOperating revenue
Related account wireExcluded transfer
Recurring ACH debitPosition detected
12-month deposit trendStable pattern
03 / Bank intelligence
Your statement is not a spreadsheet. It is your business in motion.
Stelo separates customer revenue from transfers and financing proceeds, detects current positions, and reads stress signals inside the full operating cycle.
- 01 Processor deposits reconciled against gross credits
- 02 Internal and related-entity transfers excluded
- 03 Existing remittance burden measured against free cash flow
- 04 Seasonality reviewed as a pattern, not a penalty
04 / Industry aware
One model does not fit every operator.
We look for the patterns that define your business, from processor settlements to factoring proceeds and inventory cycles.
01 02 03 04 05 06
Roofing & exterior contractors
Seasonal spikes shouldn't cap your growth.
Trucking & freight
Fuel, factoring, and float — handled.
Restaurants & food service
Daily settlement is your strongest signal.
HVAC & home services
Two seasons, one steady business.
Auto repair & tire shops
Steady bays, steady deposits.
E-commerce & retail
Inventory is your biggest capital decision.
05 / Straight answers
No fine-print energy.
Know the structure, the process, and the data we use before you start.
View every questionA merchant cash advance (MCA) is a purchase of your business's future receivables: you receive a lump sum today and repay a fixed purchased amount through regular remittances tied to your cash flow. It is not a loan, has no compounding interest, and is intended for business purposes only.