Simple funding for your business

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 instructions and a link to your DocuSign application.

The amount you can apply for depends on your monthly credit card processing and revenue. The rule of thumb is that the asking amount shouldn’t exceed your monthly sales. Please reach out to your rep to learn more.

For amounts $85,000 and under, you will need to provide your 4 most recent months of bank statements, and if you have been a Gravity customer less than 4 months, we’ll ask for 4 months of card processing statements as well.

For amounts over $85,000, you’ll be asked for the above, along with your YTD and prior year Income Statement and Balance Sheet.

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to your bank account, so you don’t have to worry about remembering to make a payment or funds being automatically withdrawn from your account.

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 you agree to an offer we will send you our funding agreement. Once this is signed, you can expect the funds to be available within 1-2 business days.

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

Gravity Capital should be your only source of short term funding. However, if you have an active balance with another short term loan, Gravity Capital can refinance. If you choose to not refinance, we won’t be able to approve the application.

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: $800
Payback Amount: $10,800
Sales toward repayment: 10%

Option 2
Funding Amount: $10,000
Financing Fee: $1000
Payback Amount: $11,000
Sales toward repayment: 8%

Option 3
Funding Amount: $10,000
Financing Fee: $1,200
Payback Amount: $11,200
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 $10,800. Their outstanding balance is now $10,750, and they receive a deposit of $450 to their bank account. This process is then repeated until the balance is paid off.

Once you have been deemed eligible for Gravity Capital by our other underwriting standards we complete a soft credit check which will not effect your credit score. We only do this once you have been determined to be eligible based on your processing history, bank statements and financials (if applicable). Those applying for Gravity Capital Lite will not be subject to this soft credit check.

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