Simple funding for your business

Quick and simple funding solutions to grow, evolve or sustain your business.

Find out how much you could get:

What is your monthly business revenue?

${{ Number(monthlyProcessingRevenue).toLocaleString() }} +

You could be advanced up to

${{ qualifiedAmount().toLocaleString() }}^*

Total to repay: ${{ gravityCapitalRepaymentLow().toLocaleString() }} to ${{ gravityCapitalRepaymentHigh().toLocaleString() }}

*The graphic above is for illustrative and educational purposes. An applicant’s terms such as approved amount, rates, and holdback will be determined based on their underwriting criteria and may fall outside of the range shown above.

Repay through your future sales

How do repayments work?

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.

Quick funding

When you accept a funding offer, money will be in your account in 3-5 business days.

One flat amount

Repay funding with the ebb and flow of your business.

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

Click the link to complete an application or provide the most recent three 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 Now

Step 2

Review

Once your application is submitted, you will be provided with your funding options instantly. 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.

Step 3

Get Funded

Once you’ve chosen a funding option, money can be in your bank account in as little as 48 hours.

Step 4

Worry-Free Repayment

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

Apply Now

Financing Options

Gravity Capital

Standard Financing
Soft Credit Check

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

Repayment: Adjustable timeline

Apply Now

Gravity Capital Lite

Rapid financing up to $20,000

Gravity merchants are pre-approved for up to 40% of your credit card processing volume, with a $20,000 maximum in funding.

Repayment: Flexible 3 months with a 1.2 factor rate

Coming Soon

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.*

Qualified Amount

${{ qualifiedAmount().toLocaleString() }}

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.

Customer Stories

Nana Ai Katsu

Gravity Capital helped the owners, Mike and Lei, expand from a stall in a marketplace to a standalone location through flexible financing.

Learn More

Love Story by Angela’s Bridal

Gravity Payments' Capital program helped this independent bridal store expand from one location to two after the pandemic.

Learn More

Mr. Camarón Bar & Grill

How Gravity Capital helped Mr. Camarón’s Restaurant stay afloat and grow into three distinct businesses.

Learn More

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 contact us at [email protected]

Frequently Asked Questions

How do I apply?

You can start an application by completing the short form above. Once you fill out the form and click “Start my application!”. You will receive an email with a link to a short, 5 minute application.

How much can I apply for?

The amount you can apply for depends on your monthly credit card processing and revenue. The rule of thumb is 1-2x your monthly sales. Please reach out to your rep to learn more.

What documents are required to apply?

For Gravity Capital, all you need is a signed application and 4 months of bank statements. Meanwhile, for Gravity Capital Lite, there is no documentation required to apply. During underwriting, our team may ask additional questions or request documentation for clarification.

For Gravity Capital applications requesting $85,000 or more, the following documentation will be required:

YTD and previous year’s Profit & Loss statements
YTD and previous year’s Balance sheets

Please direct questions regarding our document requirements to your rep.

How do I repay?

We automatically collect a set percentage of your daily credit card sales and apply this amount to your outstanding balance. You pay a bit more on busy days and less on slower days. This happens before the funds are deposited to your bank account, so you don’t have to worry about remembering to make a payment or funds being automatically withdrawn from your account.

What is the interest rate?

Gravity Capital is not a traditional loan and does not have compounding interest. We agree to a set dollar amount that you will pay back. Every dollar you repay lowers this balance. You can get a complete quote by completing an application.

Once I accept an offer, when will the funds be available in my account?

Once you agree to an offer we will send you our future purchase of receivables agreement. Once this is signed, you can expect the funds to be available within 48 hours.

Can I pay down my Gravity Capital deal early?

Yes! You can pay off the amount owed or make an additional payment at any time. There are no fees for early repayment.

I already have short-term funding from another company, can I use Gravity Capital?

Potentially, you can utilize Gravity Capital with other short-term funding.

Can I see an example?

Of course! Let’s say Ice Cream Shop A applies for $10,000. After a speedy review, we approve them for $10,000 with the following options:

Option 1

Funding Amount: $10,000

Financing Fee: $2,000

Payback Amount: $12,000

Sales toward repayment: 10%

Option 2

Funding Amount: $10,000

Financing Fee: $2,200

Payback Amount: $12,200

Sales toward repayment: 8%

Option 3

Funding Amount: $10,000

Financing Fee: $2,300

Payback Amount: $12,300

Sales toward repayment: 6%

They decide to go with Option 1. The next day, the funds are available in their bank account. At the end of the day, they had $500 in credit card sales. Before that money arrives in their bank account, $50.00 is automatically applied to his outstanding balance of $12,000. Their outstanding balance is now $11,950, and they receive a deposit of $450 to their bank account. This process is then repeated until the balance is paid off.

Will this affect my credit score?

No. We only complete a soft credit check which will not affect your credit score. Those applying for Gravity Capital Lite will not be subject to this soft credit check.

What happens if my business closes for a period of time?

If this happens to you, reach out to us at [email protected] to develop a plan together.