LENDING SOLUTIONS FOR BUSINESSES AND PERSONAL DEBT

Not sure which option fits? Start with a quick online check. You’ll answer 4 simple questions (bank account type, lowest monthly revenue in the last 90 days, time in business, and approximate FICO). Then you’ll be routed to the best-fit funding track—bigger funding or self-employed/smaller funding.

What you’ll need

• Business or personal bank account (depending on your route)
•  Basic business info + revenue estimate 
• Approximate credit score

Why this is useful

• Fast, clear direction (no guessing) 
• Helps you avoid applying for the wrong product 
• 100% online flow

 Terms vary by applicant and are subject to review and approval. 

If your business is established and your credit profile is strong, CoreRate is built for lower overall cost and larger approvals. 

Best for:

• Businesses with consistent revenue and strong credit 

Typical requirements:

• Business checking account (in the business name) + online banking 
• 2+ years in business 
• $15,000+ monthly sales 
• 680+ FICO 
• Minimal negative days/NSFs (existing advances may reduce approval size) 

Key benefits / terms:

• Funding: up to $2,000,000 
• Payback: typically ~1.15×–1.25× (varies by profile) 
• Term: 6–24 months 
• Payments: automatic daily (Mon–Fri) or weekly (no monthly payments)

 Need capital, but you’re newer in business or have a lower score? FlexRate could be your solution.

Best for:

• Businesses with solid revenue but shorter time in business 

Typical requirements:

• Business checking account + online banking 
• 6+ months in business 
• $15,000+ monthly sales 
• 550+ FICO 
• NSFs/negative days typically limited (example: not more than 5 in any of the last 3 months) 

Key benefits / terms

• Funding: up to $2,000,000 
• Payback: typically ~1.26×–1.50× (varies by profile) 
• Early payoff discounts may be available 
• Term: 4–24 months 
• Payments: automatic daily (Mon–Fri) or weekly (no monthly payments)

If you’re self-employed, newer, or using a personal bank account, Giggle offers a fast path to smaller funding amounts—with instant approval style routing for qualified applicants.

Best for:

• Self-employed individuals 
• Businesses with $3,000–$15,000 monthly revenue 
• Applicants using a personal bank account (even if revenue is higher)

Typical requirements:

• Personal or business checking + online banking 
• 4+ months in business 
• $3,000+ monthly sales 
• Bank connection via Plaid (if your bank can’t connect, funding may not be available) 
• Availability restrictions: not offered in NY, CA, or OR 

Key benefits / terms

• Funding: up to $10,000 
• Payback: typically ~1.29×–1.69× (average around ~1.39×) 
• Term: 3–6 months 
• Payments: automatic weekly (no monthly payments)

Prefer flexibility instead of a one-time lump sum? A revolving line of credit can approve you for a limit, let you draw what you need, and replenish available credit as you repay.

Best for:

• Working capital needs that come in waves (inventory, payroll gaps, marketing pushes) 
• Businesses that want ongoing access—not just one funding event

Typical requirements:

• 2+ years in business 
• $250,000+ annual sales 
• 680+ FICO 
• U.S.-based business 
• NSFs/negative days typically limited (example: not more than 5 in any month) 
• Industry eligibility applies 

Key benefits / terms

• Credit limit: $6,000–$150,000 
• Draw only what you use 
• Fees vary: 0–4% draw fee 
• Payments: automatic weekly, commonly 6–12 months per draw 
• Early payoff possible

For individuals (with our partner Weightless): 

• We help people who feel stuck living paycheck to paycheck or are struggling to cover bills.  
• What you deserve: less money stress, freedom to support your family, and progress toward goals.  

How we help: 

• Instant clarity on where your money is going  
• Personal guidance  
• Real options to unlock cash flow without changing jobs or working more hours  
• No commitment: talk like humans, review your real numbers, and get a path forward that makes sense. 

For HR Departments:

 Empower employees with financial wellness—at no cost.  

• Address employee personal financial stress that impacts focus and performance at work.  
• Debt relief support for credit cards, student loans, medical debt, and more.  
• Attorney-backed programs designed to legally reduce or annul qualifying debts. 
• Confidential and discreet employee support.  
• Real results : reduced monthly payments and debt forgiveness for participants.