General
True Path Funding is a direct business funder offering fast, reliable, and transparent financing solutions to small and medium-sized businesses across the U.S.
We’re a direct funder, which means no middlemen, faster decisions, and more transparent terms.
No, applying is completely free and won't affect your credit score.
No, our application process is risk-free and does not involve a hard credit pull.
You can apply online in minutes by filling out our short application form. Once submitted, our team will review your info and contact you with available options.
Eligibility & Requirements
To qualify for funding through True Path Funding, your business should generally meet the following criteria:
At least 6 months in business
Minimum 550 personal credit score
At least $30,000 in monthly revenue
4 months of recent business bank statements
You may also benefit from early payment discounts if paid within 90 days
Most of our funding options do not require collateral.
Not necessarily. We work with business owners who have fair or limited credit histories.
Yes, we offer second, third, and even fourth positions depending on your revenue and performance.
Currently, we require at least 6 months of business operation. However, if you're close to that, reach out—we may still be able to help.
Funding Process
Most applications are approved within 1 hour.
Funding is typically delivered same-day or next business day, once all documents are signed.
Generally, we need:
Completed application
6 months of recent bank statements
Valid government-issued ID
Voided check (for funding deposit)
Our process is mostly online, but a brief call may be required to confirm some details or walk you through your options.
Currently, we require at least 6 months of business operation. However, if you're close to that, reach out—we may still be able to help.
Funding Options
Business Term Loans
Equipment Financing
Merchant Cash Advance (MCA)
Invoice Factoring
Debt Consolidation
Refinancing
Lines of Credit
An MCA provides you with a lump sum upfront, which you repay using a portion of your daily sales. It's a flexible option for businesses with high daily transaction volume.
Yes! Whether it’s working capital, equipment, payroll, or expansion—how you use the funds is up to you.
This option lets you get cash upfront by selling your unpaid invoices. It’s ideal for businesses waiting on client payments.
Currently, we require at least 6 months of business operation. However, if you're close to that, reach out—we may still be able to help.
Repayment & Terms
Repayments are typically made via daily or weekly ACH deductions from your business bank account.
Terms vary depending on the funding product, but most range from 3 to 24 months. Business term loans can extend up to 5 years.
No, we encourage early payoff and many of our funding options offer early payment discounts.
Yes. If you have an existing advance or loan, we may be able to offer better terms or consolidate it into a new product.
Post-Funding
Yes. You’ll have a dedicated account manager to assist with any questions or additional funding needs.
Absolutely. As your business grows and demonstrates consistent performance, we can increase your funding capacity.
You can reach us via the contact form, phone, or our social media channels. We pride ourselves on quick, helpful support.
Security & Trust
Yes. We use encrypted systems to protect your personal and financial data.
True Path Funding operates in compliance with state and federal regulations and has over 10 years of industry experience.
We have supported over 2,500+ businesses nationwide and funded $1.5+ billion with a 95% approval rate. Check out our testimonials on the homepage!
Line of Credit
A business line of credit gives you access to flexible working capital. You can draw funds as needed and only pay interest on what you use.
It’s ideal for managing cash flow, handling emergencies, or covering seasonal expenses—without committing to a lump-sum loan.
Once approved, funds are typically available same or next business day.
Minimum draw amounts vary, but most lines allow for flexible withdrawals starting at $5,000.
No, interest is only charged on the amount you draw.
Equipment Financing
It allows your business to purchase or lease new or used equipment and pay it off over time.
Most business-essential equipment, including vehicles, machinery, tech hardware, medical devices, and more.
Down payment requirements vary by deal. Many businesses qualify for no-money-down options.
Yes, with a financing agreement. Lease options may vary.
Yes, used equipment is often eligible.
SBA Term Loan
It’s a low-interest, government-backed loan offered through the Small Business Administration with extended repayment terms.
SBA term loans typically offer repayment terms of up to 10 years for working capital and equipment purchases. Exact terms vary based on your business profile and loan use.
It typically requires more documentation and stronger financials than other funding types, but we guide you through the process.
SBA pre-approval is typically available same day. Final SBA approval and funding usually take 4–8 weeks, depending on the complexity of the application and required documentation.
Yes, they’re commonly used for expansion, working capital, equipment, or real estate.
Invoice Factoring
It’s a way to unlock cash flow by selling your outstanding invoices to a funding provider.
No. Approval is based more on the creditworthiness of your customers than your own credit score.
Funds are often available within 24–48 hours after invoice verification.
It depends—some factoring is disclosed, some remains confidential.
No, it's not a loan. You're selling a receivable for immediate cash.
Refinancing
It allows you to pay off existing high-interest business debt with a new loan that has better terms or lower payments.
To reduce interest rates, improve cash flow, or consolidate multiple debts into one manageable payment.
No hard credit checks are done during the pre-qualification phase. We’ll guide you if further checks are needed.
Yes, we specialize in refinancing merchant cash advances and stacking positions into lower-cost structures.
Yes, and you can receive early payment discounts for the first 90 days.
Debt Consolidation
It combines multiple business debts into a single loan with one fixed payment.
MCAs, term loans, lines of credit, and other business-related obligations.
Lower total payments, simplified finances, and reduced interest rates.
In most cases, no. These are unsecured or partially secured based on your business profile.
Most consolidations are completed within 1–3 business days of approval.
Ready to Take Your Business to the Next Level?
With True Path Funding, securing the capital you need has never been easier. Whether you're expanding, upgrading equipment, or managing cash flow, our dedicated team is here to provide fast, reliable funding tailored to your goals.
