No Hard Credit Pull  ·  24-Hour Funding

Working Capital
When Your Business
Can't Wait

Nightlight Funding gets small businesses funded fast — from restaurants and contractors to retail and healthcare. Apply in minutes, get a decision in hours.

Check If I Qualify → How It Works
✓ No hard credit pull | ✓ Decisions in hours | ✓ All industries welcome
Small business owner reviewing documents
✓
Fast Approval ✓ Decisions in hours
24 hrs Avg. Funding Time
Same-Day Decisions
No Hard Credit Pull
All 50 States
$10K – $500K+
The Process

Funding in 3 Simple Steps

No lengthy bank applications. No waiting weeks for a decision. Here's how Nightlight Funding works.

1

Apply Online in Minutes

Fill out our short form — no hard credit pull, no stacks of paperwork. Just the basics about your business and what you need.

2

Get a Decision in Hours

Our team reviews your application the same day. Most applicants hear back within a few hours with a clear offer — no runaround.

3

Funds Hit Your Account

Once you accept, funds are deposited directly into your business bank account — often within 24 hours of approval.

Who We Fund

Built for the Businesses Banks Overlook

Whether you run a restaurant, a crew of contractors, or a retail shop, we have a funding solution for your industry.

Restaurant kitchen
Restaurants & Food Service
Equipment, payroll, seasonal gaps
Construction workers on site
Construction & Contractors
Materials, crews, bridge jobs
Retail store
Retail & E-Commerce
Inventory, expansion, marketing
Why Choose Us

Speed, Transparency, and Real Flexibility

We built Nightlight Funding for business owners who have been turned away by banks or need capital faster than a traditional loan allows.

Fast Decisions

Most applications receive a funding decision the same day. No weeks of waiting, no loan committees.

No Hard Credit Pull

Your credit score won't take a hit just from checking your options. We run a soft pull to pre-qualify you.

Flexible Amounts

Access anywhere from $10,000 to $500,000+ depending on your business revenue and needs.

All Industries Welcome

Restaurants, contractors, retail, healthcare, transportation — if you have revenue, we can likely help.

Bad Credit OK

We evaluate your business revenue and performance, not just your credit score. Most 500+ FICO get a look.

Secure & Confidential

Your information is encrypted and never sold. We use bank-level security throughout the application process.

Real Results

Business Owners Trust Nightlight

Don't take our word for it. Here's what our clients say after getting funded.

★★★★★

"I applied on a Monday morning and had funds in my account Tuesday afternoon. The process was painless and the team kept me updated the whole way through."

Marcus T.
Marcus T.
Auto Shop Owner, Texas
★★★★★

"My bank had been stringing me along for two months. Nightlight got me $75K in 36 hours. That money covered payroll and let me take on two new contracts."

Darnell W.
Darnell W.
General Contractor, Georgia
★★★★★

"As a restaurant owner I deal with wild seasonal swings. Nightlight has been my go-to for bridging the slow months three years running. They actually understand my business."

Sofia R.
Sofia R.
Restaurant Owner, Florida
Business owner at desk
Eligibility

Do You Qualify?

Most businesses that have been open for at least 6 months qualify. Here's what we look for:

  • ✓ 6+ months in business — we work with startups and established businesses alike
  • ✓ $10,000+ monthly revenue — we fund based on business performance, not just credit
  • ✓ US-based business — we fund businesses across all 50 states
  • ✓ Active business bank account — where funds will be deposited
  • ✓ 500+ credit score preferred — but not a hard requirement; we look at the whole picture
See If I Qualify →
Get Started Today

Your Business Needs Capital.
We Make It Fast.

Apply in minutes. No hard credit pull. Decision in hours. Funding as fast as 24 hours after approval.

Apply for Funding →
🔒 Secure & Confidential | No Hard Credit Pull | All 50 States