Fast capital first · Equipment when it fits
A cash-flow gap shouldn’t become a crisis.
Short-term working capital for businesses that are viable — and temporarily tight. Delayed receivables, a slow season, payroll. Equipment financing when you need the truck or machine, not a 90-day bank lease. Clear terms. Two-minute eligibility check. No hard credit pull to start.
Checking does not guarantee approval or funding.
Built for
- Invoices that paid late — vendors and staff that cannot
- A truck, press, or HVAC unit that has to work this month
- A one-time hit you can see the other side of
- Owners who’d rather see the number than take a mystery product
Not for startups with no revenue, or businesses in bankruptcy. We’ll tell you if we are the wrong door.
Soft check to start
Capital as soon as next day*
Equipment & working capital
Terms in writing first
Distress is a cash-flow word. It is not a verdict on the business.
A profitable shop can still miss payroll because three invoices slipped. A contractor can be solid, wait 60 days to get paid, and still need a replacement van on the lot this week. We underwrite the pattern, not the panic — cash first, equipment when the asset is the point.
If the right answer is “don’t take this loan,” we would rather say that than originate a facility you cannot service.
What we fund
Cash in the account first. Equipment when the asset is the point.
Primary
Fast working capital
Receivables that slipped, payroll, vendors, inventory, a slow season. Money in the operating account — often discussed in days, not credit-committee months.
- + Delayed invoices
- + Payroll and vendor timing
- + Short, transparent repayment
Also
Equipment finance
Trucks, tools, machines, medical or shop gear you will use in the business. Structured around the asset when a lease or equipment loan is the cleaner path — still with a speed bias, not a 90-day bank process.
- + New or used business equipment
- + Replacement after a breakdown
- + Deposit or remaining balance on a vendor invoice
How it works
Four steps. No mystery product.
01
Eligibility check
Amount, time in business, revenue. About two minutes. Soft review only.
02
A written outline
If there’s a fit, you see estimated cost, term, and repayment before you commit.
03
Documents, then a decision
Bank connection or statements. A licensed partner underwrites. You can walk away.
04
Funding if you sign
Working capital often funds the next business day after agreement. Equipment follows vendor invoice or title. Timing is not guaranteed.
Eligibility
Who this is for — and who it isn’t.
Typically a fit
- + 12+ months operating (exceptions are rare)
- + About $15,000+ in average monthly revenue
- + A U.S. or Canadian business bank account
- + Use of funds for operations, payroll, or business-use equipment — not speculation
Usually not a fit
- – No operating revenue
- – Open bankruptcy or active receivership
- – The loan would only delay a closure
- – Consumer / personal use
Clarity first
See a ballpark before you talk to anyone.
Drag the amount. Pick a term. The weekly figure is an illustration so you can judge fit — not a rate lock.
Simple estimate
Illustrative weekly repayment
Example only — not a quote. Actual factor, fees, and schedule depend on underwriting.
- Est. weekly
- $2,212
- Est. total payback
- $57,500
Sample factor 1.15× for a 6-month term.
Social proof
What operators told us
Composite examples based on typical use cases. Not a guarantee of results.
“We were waiting on two hospital invoices and payroll was eight days out. The outline showed the weekly hit before we signed. That’s what I needed.”
“The compressor died on a Thursday. We needed the unit and enough cash to keep crews out. Haven Finance treated the equipment as the asset and the payroll as the clock.”
“They told us we were too early. I didn’t love the answer. I respected it.”
FAQ
Straight answers
The initial check is a soft review of the details you provide. A hard credit inquiry, if required later, happens only with your consent after you’ve seen proposed terms.
If the gap is temporary, let’s see if the math works.
Two minutes. Soft check. Working capital when you need the cash; equipment when you need the asset. A follow-up if there’s a path — or a clear no if there isn’t.