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 the next day.

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

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

If you are applying for $50,000 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 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.

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 Now

Financing Options

Gravity Capital

Standard financing up to 80%

Gravity merchants can qualify for up to 80% of credit card processing revenue, with no maximum loan amount.

Repayment: Adjustable timeline
Factor: 1.08 - 1.24

Apply Now

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

Apply Now

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.

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

${{ gravityCapitalRepaymentLow().toLocaleString() }} to ${{ gravityCapitalRepaymentHigh().toLocaleString() }}
${{ gravityCapitalLiteQualifiedAmount().toLocaleString() }}

${{ gravityCapitalLiteRepayment().toLocaleString() }}

*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.*

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

${{ gravityCapitalRepaymentFeeLow().toLocaleString() }} - ${{ gravityCapitalRepaymentFeeHigh().toLocaleString() }} fee

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.

HEAR FROM A BUSINESS OWNER

Manhatten 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, schedule a call, or email us at [email protected]

Apply Now

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FAQ

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 instructions and a link to your DocuSign application.

How much can I apply for?

We will often approve up to 80% of your business’s average monthly credit card processing volume. So for example, if your business processes $10,000 per month in credit card sales, you could apply for any amount up to $8,000.

What documents are required to apply?

For amounts $50,000 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 $50,000, you’ll be asked for the above, along with your YTD and prior year Income Statement and Balance Sheet.

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 funding agreement. Once this is signed, you can expect the funds to be available within 1-2 business days.

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?

We are unable to approve funding for businesses that have a separate advance with another provider of short term funds. Once your advance is paid, you are eligible to apply with Gravity Capital.

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: $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.

Will this affect my credit score?

Once you have been deemed eligible for Gravity Capital by our other underwriting standards we do complete a credit check which may affect 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).

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.