01
Restaurants & hospitality
A build-out, a second location, a slow February. Food costs move weekly and payroll doesn't wait — so we structure around the season rather than pretending it isn't there.
Working capitalLines of creditNationwide
Funding built on trust,
not paperwork.
We lend to the businesses banks file under "too complicated" — the restaurants, fleets and crews that run on cash flow, not credit scores. One underwriter reads your file. You get an answer the same day.
02 — Why we exist
A bank looks at a credit score and a category code. We look at deposits, seasonality, the contract you just signed and the invoice you're waiting on. Same business. Completely different answer.
03 — By the numbers
- $750M+
- Capital deployed to date
- 15,000
- Businesses funded
- 22 hrs
- Median time to wire
- 4.9/5
- Average client rating
04 — Who we fund
Industries that run on timing.
02
Trucking & logistics
Fuel and drivers are due long before the broker settles. We bridge receivables and fund rigs, then step back as the money lands — because we understand a 60-day lane.
03
Construction & trades
Materials and crew come first; the draw schedule comes later. We fund the gap in between and take payment down as the invoices actually clear.
Also funding retail, healthcare, auto, wholesale, manufacturing, e-commerce and professional services. The bar: six months trading, $10k monthly revenue, a US business account.
05 — The process
Four moves, one day.
-
01
You apply
Three minutes online. Business basics, revenue, bank. No document dump, no personal guarantee up front.
3 min -
02
A person reads it
Not a scorecard. A named underwriter who has funded your industry before opens your file the same morning.
Same day -
03
Terms in writing
Factor, fees, payment schedule, total cost. Every figure on the page before you sign anything.
Same day -
04
Money moves
Signed deals wire direct to your business account, typically inside 24 hours.
~22 hrs
06 — The desk
You get a name,
You get a name,
not a queue.
Every file is assigned to one underwriter who stays with the deal from application through payoff. They learn your business, they pick up the phone, and they're the one who signs off on your terms.
- One contact from application to payoff
- Industry desks — logistics, food, trades, retail
- Direct line — no call centre, no phone tree
- Structures built around your cash flow, not a template
07 — Clients
“Our bank wanted nine weeks. Trust Line funded us in under twenty-four hours, and we opened two locations that quarter.”
Jessica Martinez Martinez Restaurant Group · Revenue +180%
“Traditional banks turned us down three times. Trust Line understood the model and we doubled the team in six months.”
Robert Chen TechFlow Solutions
“Clean terms, fast answers, zero runaround. The portal is genuinely useful — I recommend them to every owner I know.”
Sarah Kim Urban Boutique
“Our rep knew more about trucking margins than our CPA. That changes how you think about a lender.”
Derek Patel Patel Freight Lines
08 — Questions
Before you ask.
- How fast is funding, really?
- Most clean files close inside 24 hours; complex ones need 48. We'll tell you within the hour which one you are.
- What does it take to qualify?
- Six months trading, $10k+ monthly revenue, a US business bank account. Cash flow matters more than credit score.
- Do you pull personal credit?
- A soft pull during underwriting. It won't affect your score, and it's one input among many.
- Is there a prepayment penalty?
- Never. Pay early and you save on the factor — that's the whole point of quoting it up front.
- What does it cost?
- It depends on size, tenure and risk. Every number — factor, fees, insurance premium if it applies — is on the page you sign.
- What can I use the money for?
- Anything that runs the business: inventory, payroll, equipment, expansion, bridging receivables.
Let's get your next move funded.
Three minutes to apply. A decision today. No obligation either way.