Same-day decisions for businesses that are already working.
Graymont funds established businesses with its own capital, so you deal with one team from application to wire. No broker sits between you and the decision.
A decision the same day. Wired by the funder. No broker fee in the rate.
Approved
$125,000
Funded in 24 hours
Factor rate
1.22
No broker markup
$500M+
Funded
10,000+
Deals funded
24 Hrs
Avg. funding time
2012
Direct funder since
What a broker adds to your deal, besides cost
A broker fee of 8–12 points is folded into the deal. You repay it, and none of it ever reaches your business.
Your file goes out to dozens of funders, and each one pulls your information.
Approval slows down while the broker works several funders looking for a yes.
Once the deal funds, the broker is gone and nobody answers for it.
Go to the company that writes the check.
Graymont Capital funds every deal from its own capital. Nothing is marked up, your file is never shopped, and the people you speak with are the people who decide. When you are approved, the wire comes from us.
Direct funder
Three steps, and all of them are with us
This is the whole path from application to money in your account when no one stands in the middle.
01
Apply
Complete a short application and upload your most recent bank statements. Plan on about 5 minutes. There is no hard credit pull and no obligation.
02
Get a same-day decision
Our own underwriters read the file, so nothing waits on a third party. Most businesses hear back within hours, not days.
03
Receive the wire
After you are approved and the agreement is signed, we wire the funds straight to your business account. Most deals fund within 24 hours of approval.
Keep the broker's points in your business.
The application takes 5 minutes, and a direct funder answers the same day.
One funder, from the first call to the last payment
No broker, no go-between and no markup. Here is what changes when the company you apply to is the one that funds you.
The money is ours
Every Graymont Capital deal is funded off our own balance sheet. That removes the broker markup and the chain of outside approvals, and you always know where the money is coming from.
You talk to the decision-maker, not a sales rep.
Underwriting happens the same day
Our underwriters work in-house. They read your application, go through your bank statements and come back with a decision that day, usually within hours. Nobody is waiting for a broker to shop the file.
Most deals fund within 24 hours of approval.
You see the whole cost first
Before you sign, you see the factor rate, the total payback and the payment schedule. There are no hidden fees and no points tucked into the rate, so nothing new appears afterwards.
The number we quote is the number you pay.
One team stays with you
The team that takes your first call is the team you reach for your last payment. Account questions and renewal conversations come straight to us, and you are not passed along.
A direct relationship, not a call-center handoff.
Take the middleman out and the markup, the delays and the finger-pointing go too. That is the reason we fund direct.
Graymont Capital exists so that business owners can get working capital faster and see exactly what it costs, without paying a broker for the introduction.
What a direct funder gives you
✓
A rate with no broker fee added
✓
A decision made in-house, the same day
✓
One team from application through payoff
✓
The full cost in front of you before you sign
✓
A direct line to the people who funded your deal
Ready to deal with the funder itself?
5 minutes to apply. A decision the same day. No broker fees.
Every program suits some situations and is wrong for others. Each card below says which.
Direct funder. Unless a card says otherwise, Graymont Capital funds these programs itself, from its own capital. There are no broker fees and no middlemen.
SBA and long-term options
Bankable, 5–25 years
Long-term financing at conventional rates, through SBA programs or bank partners. This is the lower-cost capital every business should be working toward. Referral product, placed through lending partners.
Best for
680+ FICO with clean history
2+ years in business
Stable, documented revenue
Not yet if
Active advances or heavy stacking
Credit or banking issues unresolved
Secured lines of credit
Long-term, revolving
A revolving line backed by assets. You draw what you need, repay it and draw again. Outside of conventional bank financing, this is the lowest-cost structure available.
Best for
Businesses with 680+ FICO
Real estate or equipment assets
Businesses ready to refinance or consolidate existing advances
Consider carefully if
Collateral is limited or encumbered
Monthly payment programs
Stability, 12–36 months
You pay once a month instead of daily or weekly, at a reduced factor rate. It suits a business with steady monthly revenue and stronger credit that wants to protect its cash flow.
Best for
Established businesses with 650+ FICO
Businesses that bank monthly vs. daily
Clients transitioning from daily programs
Consider carefully if
Significant negative days in statements
Heavy stacking of existing advances
Revenue-based financing
Flexibility, ongoing
The payment moves with your revenue. A strong month pays more and a slow month pays less, which takes the pressure of a fixed payment off the quiet periods. Funded directly by Graymont Capital.
Best for
Seasonal or cyclical businesses
Service-based companies
Businesses with variable monthly revenue
Consider carefully if
Revenue is already declining
Consolidation and restructure
Relief, strategic
Several active positions are rolled into one payment you can manage. Less cash leaves the account each day, your approval ceiling improves and the business gets room to grow.
Best for
Businesses with 2+ active advances
Clients being crushed by daily debits
Anyone building toward bankable financing
Not always available if
Revenue has declined significantly
Defaults or UCC liens are present
Short-term working capital
Speed, 3–12 months
A revenue-based advance set against your daily or weekly deposits. It is the quickest route to capital, typically 24 hours from approval to funding. Funded directly by Graymont Capital.
Best for
Immediate operational gaps
Seasonal inventory needs
Time-sensitive opportunities
Businesses with strong daily revenue
Consider carefully if
Cash flow is already tight
You are already 50%+ over leveraged
We tell you which program fits, then we fund it.
A direct funder has no reason to shop your file. We review the application in-house, place you in the program that suits the business and fund it with our own capital. If we are not the right fit, we say so plainly.
Credit is only one of the things we weigh. Revenue, deposits and existing debt count just as much. This is how the tiers break down.
A
Tier A: prime
680–800 FICO, strong revenue, clean history
Monthly payment programs — 8–14% conventional
Secured line of credit options
SBA pathway (with qualifying revenue)
Lowest factor rates available
Highest approval ceilings
The strongest position for long-term financing. Our underwriters favor deposit patterns that are strong and consistent.
B
Tier B: near-prime
600–679 FICO, moderate revenue
May qualify for monthly payment programs
Factor rates starting from 1.17
Hybrid bi-weekly structures available
Consolidation structures may apply
Tier B applicants with strong deposits and steady revenue often qualify for competitive rates, because cash flow carries a lot of weight in our underwriting.
C
Tier C: cash flow based
Below 600 FICO, deposit-driven approval
Weekly payment programs only
Daily payment programs
Approval based primarily on deposit volume and frequency
No monthly programs available at this tier
We structure these deals cautiously and offer only what the cash flow can really carry. If a deal does not make sense for your business, we decline it.
A credit score is one data point, not the whole file. Tier A starts at 680, Tier B covers 600–679, and Tier C applies below 600. Where you finally land also depends on average monthly revenue, deposit frequency, number of negative days, and existing advance exposure. A 670 FICO with poor deposit patterns may qualify for less than a 610 FICO with strong, consistent deposits. Our underwriters look at all of it before they present any option.
What our underwriters read in a file
Average monthly revenue
Every decision starts here. We typically fund 75–150% of monthly revenue, depending on tier and program type.
Deposit frequency
How often money arrives matters as much as how much arrives. Steady daily deposits point to a healthier business than occasional large ones.
Negative days
A day with a negative balance is a major red flag. More than 5–7 in a month significantly reduces your options and your approval ceiling.
Existing advance exposure
Each active position lowers the approval ceiling. Heavy stacking narrows your funding options faster than almost anything else.
FICO and credit history
Personal credit affects the rate and which programs are open to you, though strong revenue and deposit patterns can offset it.
Approval ceiling
This is the most we will extend once everything above is taken together. We work it out before structuring a deal, so you are not over-leveraged on day one.
Plain answers about how funding works when you deal with the funder directly.
A direct funder. Graymont Capital funds deals with its own capital. We are not a broker and we do not send your file to third parties. The company you apply to is the one that makes the decision and sends the money.
Most businesses have a decision on the day they apply. After approval and signing, the wire typically goes out within 24 hours. We fund in-house, so no third party has to approve anything and no broker has to coordinate it.
There are no broker fees, because no broker is involved. You pay the rate we quote. Before you sign anything we show you the factor rate, the total payback amount and the payment schedule, with no hidden points.
A short application and your most recent 3 months of bank statements are enough to start. Applying does not involve a hard credit pull. Some programs and amounts call for more documentation, and we tell you that upfront.
We fund businesses that already carry positions. Depending on your revenue, deposit patterns and current exposure, we may consolidate those positions into one more manageable payment, or fund alongside the advances you have. We look at your situation and tell you what is realistically available.
A broker is a middleman who takes your application, shops it to funders and adds a markup to your rate, typically 8–12 points. Coming to us means there is no markup, no shopped file and no wait while someone looks for a funder willing to say yes. You make one application to one decision-maker and keep one relationship.
In general we look for at least 6 months in business, $15,000+ in monthly revenue and an active business bank account. Credit score counts, but it is not the only factor, and strong deposits with consistent revenue can offset a lower score. Apply and we will tell you exactly where you stand.
The team that funded your deal. We are the funder, so your call reaches the people managing your account. There is no broker relaying messages to a funder and back. It is one phone call to one team.
If your question is not answered here, ask us and you will get a plain answer.