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.

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.

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.

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to your bank account, so you don’t have to worry about remembering to make a payment or funds being automatically withdrawn from your account.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 future purchase of receivables agreement. Once this is signed, you can expect the funds to be available within 48 hours.

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

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

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.

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.

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