Why Gravity Capital?

Gravity Capital is a small business funding program for Gravity Payments customers. It works with your credit card processing to make paying off your balance a breeze. There are no set monthly payments and no compounding interest.

Quick funding

No lengthy process, our application can be completed in a few minutes. When you accept an offer, funds will be in your account the next day.

One flat repayment amount

No compounding interest. Just a simple repayment amount. Every dollar you repay lowers your outstanding balance.

Repay with credit card sales

We apply a set percentage of your daily card sales toward your Gravity Capital balance before it ever hits your bank account. Pay less on slow days and more when business is booming.

“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



Manhatten Seattle

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

How does it work?


It only takes a few minutes. All you need is a completed application and your most recent 4 months of bank and credit card processing statements.


Our team will review your application and get back to you with options or next steps within a day.

Get funded

Once your funding option is confirmed, the money will be in your bank account as soon as the next day.

Ready to get started? Its easy.

There are many ways to get started: Start an application with the form below, schedule a call with us, or email us at [email protected]

Apply Now

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How do I apply?

How much can I apply for?

What documents are required to apply?

How do I repay?

What is the interest rate?

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

Can I pay down my Gravity Capital deal early?

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

Can I see an example?

Will this affect my credit score?

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