Choose your target
Tell us what the business does, its revenue range, and what you want to unlock.
30 sec Business capital, clear underwriting
Capital that sees your business clearly.
Start with a 30-second estimate, then choose whether to share the information needed for a full cash-flow review.
No hard credit pull Read-only bank connection Written 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. A bank connection comes later only if you choose to continue to a full review.
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 written terms
If an offer is available, see its remittance and applicable disclosures first.
Clear
Example cash-flow review 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.
A full review distinguishes customer revenue from transfers and financing proceeds, considers current positions, and evaluates stress signals across the 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 cash-flow pattern does not fit every operator.
The relevant review factors vary by industry, 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 generally structured as a purchase of a business's future receivables: the business receives funds and delivers a purchased amount through agreed remittances. It is intended for business purposes. The written agreement and applicable law control its legal treatment and terms.