Fast funding, clear terms, real guidance
Working capital available in as little as 24 hours.
With help comparing options,
spotting traps, and choosing what’s right for you — even if that means saying no
*Applying won’t affect your credit score
4.8/5 Trust Pilot 55k+ Business served $3B+ in small business fianncing 1000+ Industries served
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Partner
Client Notoriety
Fast funding, clear terms, real guidance
Working capital available in as little as 24 hours.
With help comparing options,
spotting traps, and choosing what’s right for you — even if that means saying no
*Applying won’t affect your credit score
Fast, responsible decisions
We’re paid by the lender, not you
Honest advice, zero pressure
Bad credit isn’t a dealbreaker
Transparent business funding
The lending world is a minefield
we help you navigate it safely
Most business owners don’t lack options — they lack clarity.
When you need capital yesterday, it’s hard to tell what’s fair, what’s overpriced, and what’s a trap.
Confusing contracts packed with jargon
Banks move too slowly to handle urgent needs
Bait-and-switch terms revealed at the last minute
Broken record sales pitches from dozens of lenders
“You’re approved” offers that come with strings attached
Pressure to decide before you’ve had time to compare options
That’s exactly where Cetus steps in, fueling businesses with the knowledge and capital to succeed.
The lending world is a minefield we help you navigate it safely
Most business owners don’t lack options — they lack clarity When you need capital yesterday, it’s hard to tell what’s fair, what’s overpriced, and what’s a trap.
That’s exactly where Cetus steps in, fueling businesses with the knowledge and capital to succeed.
Funding options
built for real-world business needs.
There isn’t one “right” way to fund a business;
it all depends on urgency, cash flow, credit profile, and whether you need flexibility now or stability over time.
services
Funding options built for
real-world business needs.
and whether you need flexibility now or stability over time.
Commercial loans for immediate needs, ideal for businesses with seasonal or fluctuating revenue
- Daily or weekly payments with no hidden fees
- Same-day business funding options for urgent gaps — not long-term financing
- Merchant funding based on sales projections, not traditional credit approval
- Payments tied to a percentage of future sales, not fixed monthly bills
- Often used by businesses with strong sales but limited credit history
Lower-cost funding or bridge loans backed by tangible business assets
- Uses equipment, inventory, vehicles, or real estate as collateral
- Higher funding limits with longer repayment terms
- Longer terms possible based on value of assets
Access to funds on your terms, when you need them
- Draw only what you use, repay, and reuse
- Useful for managing ongoing cash flow needs
- Less rigid than traditional term loans
Purchase the gear your business needs with less stress on the bank account
- Buy vehicles, machinery, or tech without draining your cash reserves
- The equipment itself serves as the collateral, often lowering your rate
- Section 179 tax benefits can apply to this asset finance option
Government backing makes these small business loans among the safest options
- Low-interest loans with longer repayment periods
- SBA 7a, SBA 504, microloans, and more available
- Best for businesses that can wait through the lengthy approval process
Turn unpaid invoices into immediate working capital
- Access cash tied up in accounts receivable
- Helpful for B2B businesses with long payment cycles
- Approval for invoice financing based more on your customers than your credit
Structured loans with predictable repayment
- Fixed payment schedules over defined terms
- Often used for expansion, refinancing, or large purchases
- Available in short- and longer-term structures
Commercial loans for immediate needs, ideal for businesses with seasonal or fluctuating revenue
- Daily or weekly payments with no hidden fees
- Same-day business funding options for urgent gaps — not long-term financing
- Merchant funding based on sales projections, not traditional credit approval
- Payments tied to a percentage of future sales, not fixed monthly bills
- Often used by businesses with strong sales but limited credit history
Lower-cost funding or bridge loans backed by tangible business assets
- Uses equipment, inventory, vehicles, or real estate as collateral
- Higher funding limits with longer repayment terms
- Longer terms possible based on value of assets
Access to funds on your terms, when you need them
- Draw only what you use, repay, and reuse
- Useful for managing ongoing cash flow needs
- Less rigid than traditional term loans
Purchase the gear your business needs with less stress on the bank account
- Buy vehicles, machinery, or tech without draining your cash reserves
- The equipment itself serves as the collateral, often lowering your rate
- Section 179 tax benefits can apply to this asset finance option
Government backing makes these small business loans among the safest options
- Low-interest loans with longer repayment periods
- SBA 7a, SBA 504, microloans, and more available
- Best for businesses that can wait through the lengthy approval process
Turn unpaid invoices into immediate working capital
- Access cash tied up in accounts receivable
- Helpful for B2B businesses with long payment cycles
- Approval for invoice financing based more on your customers than your credit
Structured loans with predictable repayment
- Fixed payment schedules over defined terms
- Often used for expansion, refinancing, or large purchases
- Available in short- and longer-term structures
Make funding decisions with confidence
We don’t just push products; we help you understand what’s available and choose the financing option that suits your business best.
Partnership over pressure
Your long-term stability matters more than any single deal. We compare funding options honestly and even recommend a different lender if it’s the better move for you.
Radical transparency
No fine print surprises. No hidden fees. No last-minute changes. Terms, costs, and tradeoffs are explained clearly before you commit.
Built by business owners
You’re talking to partners who have navigated cash crunches firsthand, not a call center rep.
Fast, not rushed
We move quickly when timing matters, but never at the expense of your understanding.
A simple process built around clarity
Get business financing with support from application to funding
01
Apply in 5 minutes or less
Share your business goals through our secure application; we focus on your real-world performance, not just a credit score.
02
Review offers within hours
Our funding specialist will call to explain offers (plus their pros and cons) so you can make an informed choice
03
get answer (1hr)
If all aligns after a brief final conversation, funds can hit your account within 24 hours of approval
Get funded today
Know what most lenders won’t tell you
How to spot a funding scam in 30 seconds
The 3 hidden fees most lenders don’t want you to see
Why “you’re approved!” often isn’t real approval
See what our clients have to say about their experience
Frequently Asked Questions
See what our clients have to say about their experience
Does this affect my credit?
We only do a soft credit pull. Your credit score will not be affected by a hard credit pull.
Pro tip: Freeze the access to your credit data and temporarily unfreeze when you know a lender is doing an inquiry that you approve.
How fast can I get funded?
For immediate short term unsecured capital, funding can be reviewed, underwritten, approved, and funded as fast as the same business day. Each business case is different. Secured asset backed funding ranges 2-8 weeks depending on the complexity of the deal.
Pro Tip: Honesty and full disclosure is the best policy. When applicants withhold vital information such as recent funding or defaults in hopes of a better approval, it not only delays approval, but many times disqualifies applicants that would otherwise be approved.
What are the qualification requierements?
Step 1
Provide your Business information using our application form
Step 2
Jump on a call with one of our specialists
Step 3
Get funded
Will this affect my credit score?
We only do a soft credit pull. Your credit score will not be affected by a hard credit pull.
Pro tip: Freeze the access to your credit data and temporarily unfreeze when you know a lender is doing an inquiry that you approve.
What are your rates?
The cost of capital has a wide range as low as 6% up to 50%. This all depends on if the capital is secured vs. unsecured, business health, credit score, and overall risk profile.
Pro Tip: Identify the urgency of your capital needs and work on increasing your personal credit score to lower your risk profile.
Do you work with bad credit?
Absolutely! We only require a minimum 550 credit score.
Pro Tip: Go to your local bank first. We will not compete with large institutions. If they fall through, we are your safety net.
Is Cetus a direct funder or broker?
We work with multiple trusted private investors to get you the best offer. We also invest alongside the lender to get you the amount and term other brokers cannot. We do not charge additional broker fees like most brokers, we earn by successfully facilitating the deal from the investor, not the client!
Pro Tip: Book a free consultation today to easily learn how to identify if the company that is reaching out to you is actually a direct lender. 90% of the time they are not.
Not sure what to do next ?
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