Gravity Payments

Gravity Capital: Get low-fee funding for your business with flexible repayment options.

Simple funding for your business

Providing quick and easy funding solutions for Gravity merchants to grow, evolve or sustain their businesses.

Why Gravity Capital?

No set monthly payments, no compounding interest. Gravity Capital works with your credit card processing to make paying off your balance hassle-free.

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Quick funding

When you accept a funding offer, money will be in your account the next day.

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One flat amount

Repay funding with the ebb and flow of your business.

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Worry-free repayment

A percentage of your daily card sales is applied toward your funding balance before you receive your deposit.

How Gravity Capital Works

Step 1

Apply

Complete an application and provide the most recent four months of bank and credit card processing statements.

If you are applying for $85,000 or more, please include a year-to-date and last year’s income statement (profit and loss statement) and balance sheet.

 

Apply

Step 2

Review

Once your application is submitted our team will get back to you within 24 hours. You will then be given an option to choose a factor rate and holdback percentage that works for your business.

If your application is missing any documentation or the team has additional questions, we will reach out to you for clarification.

 

Apply

Step 3

Get Funded

Once you’ve chosen a funding option, money can be in your bank account as soon as the next day.

 

Apply

Step 4

Worry-Free Repayment

Take cards as usual, and we will automatically collect the agreed percentage and apply it to your balance.

 

Apply

Financing Options

Gravity Capital

Standard Financing

Low cost, flexible, and fast funding for your business that puts you above profit incentives.

Repayment: Adjustable timeline

Gravity Capital Lite

Rapid financing up to $20,000
No Application, No Credit Pull

Gravity merchants are pre-approved for 40% of your credit card processing revenue, with a $20,000 maximum loan.

Repayment: 3 month timeline
Factor: 1.2

Gravity Capital Repayment Calculator

Find out how much you could qualify for and what your repayment amount would be.*

*This is for illustrative and educational purposes only. The final factor rate, holdback percentage, and the total payback amount are determined by factors such as your financial statements, the health of the business, bank statements, and credit history subject to Gravity Capital's approval and final determination.

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*This is for illustrative and educational purposes only. The final factor rate, holdback percentage, and the total payback amount are determined by factors such as your financial statements, the health of the business, bank statements, and credit history subject to Gravity Capital's approval and final determination.

Sample Repayment Schedule

Use the chart below for examples on how much of your daily sales go toward repayment based off of different repayment rates.*

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9% of sales
toward repayment
11% of sales
toward repayment
14% of sales
toward repayment

*All numbers and information are examples for educational purposes only.

Daily Sales

{{ getDailyRate() }}% of sales toward repayment

${{ gravityCapitalDailyRepayment(1400) }}
${{ gravityCapitalDailyRepayment(850) }}
${{ gravityCapitalDailyRepayment(450) }}
${{ gravityCapitalDailyRepayment(1100) }}
${{ gravityCapitalDailyRepayment(600) }}
No payment
${{ gravityCapitalDailyRepayment(1200) }}
Day 1 $1,400
Day 2 $850
Day 3 $450
Day 4 $1,100
Day 5 $600
Day 6 $0
Day 7 $1,200

*All numbers and information are examples for educational purposes only.

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Hear from a Business Owner

Manhattan Seattle

“The working capital program gives us a little bit of flexibility without leading us into more debt.”

“Gravity Payments’ Working Capital Program provided me the funding I needed to finish a large patio addition. It was great not to have to mess with the process and red tape of a standard bank loan.”

— James S., Pecado Bueno

Ready to get started?

Start an application with the form below, or email us at [email protected]

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Frequently Asked Questions