Ownly Funds · Nationwide Business & Personal Capital
One application. A marketplace of lenders behind it. Real qualifying numbers shown before you apply — including the programs that never ask you to prove income.
Sixty seconds
Three questions. No name, no email, no credit pull. We match your profile against every program on this page and show you the ones you genuinely fit.
Your best of the three bureaus. A rough range is fine.
If you're funding a startup or funding personally, pick the first option.
Average deposits over the last three months.
Based on what you told us. Final terms are set by the lender.
Start My Application Book a 30-Minute Call InsteadThese are the programs your profile lines up with. Matching is not an approval — amounts and terms are determined by the lender after underwriting.
If the money has to move now, this is the shortest path we have. One short form matches you against a network of more than 40 lenders and credit card issuers at once — and checking does not touch your credit score.
Need cash today with no proof of income? This path starts at a 550 credit score and asks for no income documentation. Checking uses a soft credit pull, so seeing your options costs you nothing and takes about two minutes.
Skip the lender-by-lender shuffle. Most people burn a week applying one at a time and collect a hard inquiry at every stop.
No branch visit, no business plan, no three-week underwriting committee. The whole process is digital and the timeline below is what most files actually run.
A short application. Two minutes. Soft pull on most programs, so your score is untouched.
A funding specialist reviews the file and comes back with the programs you actually match.
You pick the offer. Money lands in your business or personal account, depending on the program.
Most programs can be repeated. That's how a $50K first round becomes a six-figure position.
Most funding sites shout one big number and make you call to find out you never qualified. Here is the whole board with the actual floors, so you can find yourself on it in thirty seconds.
Underwritten on your deposits, not your credit file. The fastest large-dollar option on the board.
Instant online approval for smaller working-capital needs. Built for businesses banks won't look at.
For 1099 and gig income. Low floor, fast turn, no credit gate to check your options.
Draw, repay, reuse. No daily payments — you only carry interest on what you actually pull.
0% introductory business credit with no operating history required. The startup founder's entry point.
Fixed monthly payments and larger amounts — structured like a bank loan, decided far faster than one.
The cheapest money available if your file can carry it. Longer to close, lowest cost of capital.
The equipment secures the loan, so the credit bar drops. $0 down available on qualifying files.
You already earned it — stop waiting 60 days for it. Turn open B2B invoices into cash now.
Private lending for investors and developers. Bridge, DSCR, hard money, cash-out and ground-up.
Answer three questions at the top of this page and we'll narrow it to the programs your profile actually fits.
Run the 60-Second MatchAmounts, rates and timelines shown are program ranges, not offers. Every program is subject to lender underwriting and not all applicants qualify. Ownly Funds is not a direct lender.
These qualify on credit profile alone — no tax returns, no W-2s, no bank statements, no revenue history. They're how a brand-new business, a real estate buyer, or a founder with no revenue yet raises real capital. Credit partners are accepted on all three.
Cash deposited straight into your personal bank account, typically same day to 48 hours. With verifiable income on file, up to $30,000 more.
The workhorse. 0% APR for up to 18 months, funds usable for any purpose, and the process repeats roughly every six months to stack toward a larger position.
The largest personal position on the board. Requires provable income — and combined with the card stack above, files have reached up to $500,000.
If your own profile isn't there yet, someone with a strong file can apply alongside you. It's the single most common way people who "don't qualify" end up funded on these programs — and it's accepted across all three tiers above.
Most of this industry tells you no and moves on. Every file that doesn't clear today gets routed to the path that gets it there — and those paths already exist inside the Ownly ecosystem.
This is the part almost nobody explains. These programs aren't one-and-done — they're designed to be repeated as your business credit profile grows. Run correctly, three rounds inside about 180 days can reach up to $500,000, even on a business that's brand new.
Entry position. Funded on personal credit strength — no revenue history needed.
Roughly 60–90 days later, once the first round seasons and business credit begins reporting.
The profile now carries weight of its own. Larger limits, and vehicles and no-doc lines open up.
0:43 — How the three-round system works
Underwriters price time in business heavily. If yours reads as brand new, you get brand-new terms. These are the three ways to fix the vehicle rather than fight the underwriting.
Two-plus years old, clean, in good standing, transferred to your name in a day to three days.
An aged entity that's already been prepared to be funded — website, phone system, professional email and business credit established, all inside 72 hours.
Inaccurate, unverifiable and obsolete items challenged across all three bureaus under FCRA and CROA process. Files are only accepted when there's a real path to improvement.
Script to development to post — capital structured around a production schedule rather than a bank calendar. Two programs, often combined to reach the full amount.
For companies that have outgrown private capital. Advisory across the full pathway — structure, regulatory compliance, investor relations, and listing.
Capital is a two-sided market. If you have strong credit or a book of business owners who need money, both sides pay.
Your credit standing is an asset that currently earns you nothing. Businesses with real products and real plans need a strong file to qualify — you provide that strength and are compensated on the amount raised. Help raise $300,000 and the compensation is structured around $30,000 a year.
Think of us as your funding department. You bring the client, we do the work, you get paid. Every program on this page is one you can offer.
Partner compensation is negotiated directly between you and the funded party. Participating in any credit-partner arrangement carries real financial and legal obligations — review the agreement and speak with your own advisor before committing.
Money coming in is one lever. Keeping more of it, recovering what's already gone out, and making it work harder are the other three. These are the business services we run most often alongside a funding file — each one a separate provider we've already vetted and placed.
Most businesses don't need more tools — they need to see where revenue is already leaking. A fast first look at lead flow, follow-up and conversion gaps.
A funded year is a taxable year. Tax strategy is far easier to review before year-end pressure narrows what's still available to you.
If you're taking on capital — or buying an aged corporation on this page — the entity structure underneath it decides what's exposed and what isn't.
If you import — or your clients do — overpaid duties are recoverable. A compliance-first review with separate paths for importers, brokers and referral partners.
A payroll gap is a different kind of pressure — it has a date attached and it can't slip. Purpose-built payroll financing rather than general working capital.
Capital doesn't scale a business if every small task still lands on your desk. Delegated admin, CRM, follow-up and operations support.
There's more on the business side — R&D credits, cost segregation, merchant processing, business credit building, AI and operations tools. And a separate consumer side for healthcare, debt, home and family protection.
Browse the Full MarketplaceEach service above is delivered by a separate provider. Terms, eligibility and disclosures are set by that provider and appear on their own page. Ownly ONCE may be compensated for referrals.
Ownly Funds
Two minutes to apply. Same-day review. Money in 24 to 72 hours on most programs.
