Small business funding, built around how you get paid
One team, several routes, and an honest answer about which one fits, including when a bank would be cheaper or when the real problem is an advance you need to clear first.
What it funds
Consolidation, working capital, lines of credit, equipment and practice funding
Cheapest route first
Clean books and strong credit should usually start with a bank or SBA lender
Where Ovesture fits
Showing the routes that fit and saying which is best, even if it is not ours
Not on this page
No rate, no credit-score cutoff, no borrowing figure: we do not publish numbers we have not underwritten.
How we are paidOvesture funds the operators traditional banks turn away. Instead of a single product, we start from your situation and match it to the route that actually fits, whether that is consolidating what you already owe, bridging a cash-flow gap, or financing growth.
The funding we offer
Each route below has its own page with the mechanics, who qualifies, and, honestly, when it is the wrong tool.
MCA debt relief: consolidate, reverse-consolidate or refinance stacked merchant cash advances.
Business debt consolidation: combine mixed business debts into one payment you can service.
Working capital loans: cover payroll, inventory, and the gap before you get paid.
Business line of credit: a revolving facility you draw on only when you need it.
Healthcare practice funding: financing built around reimbursement lag and equipment cost.
Who we fund
Businesses with steady deposits but imperfect credit, seasonal or uneven cash flow, or a stack of advances a bank will not look past. If your books and credit are strong, we will point you to the cheapest money available, even when that is not us.
How to start
Tell us what you need funded and what you are carrying. We review it against our underwriting and come back with the routes that fit, the ones that do not, and why. Nothing is pulled or signed until you have seen the numbers.
Two things you can use without talking to us
Both of these are published in full on the page, printable, and behind no email wall. They are the two moments where a bad decision costs the most, so they are the two we wrote out.
- The questions to ask any MCA consolidator before you sign: thirteen questions, including the ones that are awkward for us to be asked, and what a straight answer to each one sounds like.
- The practice purchase document checklist: the sixteen documents a lender commonly asks for before financing a practice or firm purchase, why each one matters and what usually goes wrong with it.
Not sure which row you are?
That is the normal position, and it is the one question this page cannot answer for you. Tell us where the money is going and what you are already carrying, and a person comes back with the routes that fit, the ones that do not, and why, including when the cheapest answer is a bank rather than us.
If the daily debits are the problem rather than the growth, say so and it goes to the consolidation desk instead. Nothing is pulled, and nothing is signed from this.
Send me the routes that fit my situation
One field. A person reads it and replies.
- A person reads this, not a bot, and replies within one business day.
- Nothing is pulled or signed. No credit check and no application reaches a lender until you have seen the numbers and said yes.
- We are a funding firm, not a law firm. We do not give legal or tax advice.
- If we are not the right answer for you, we say so and tell you who is.
We use what you send to answer you, and for nothing else. See our Privacy Policy.
Frequently asked questions
What does Ovesture fund?
Merchant cash advance consolidation and reverse consolidation, business debt consolidation, working capital, business lines of credit, equipment finance, and industry funding for healthcare practices. If a route does not fit, we say so.
Can I get funding if a bank already declined me?
Often yes. We work with businesses that have uneven cash flow, thin credit files, or existing advances that a traditional lender will not look past. We fund on business revenue and the shape of the deal, not a single credit score.
Do you fund businesses carrying merchant cash advances?
Yes, and that is a core part of what we do. If stacked advances are the problem, start with our MCA debt relief options, which show every route out and what each one costs.
How fast is funding?
It depends on the product and how quickly documents come in. Some products move within days; others take longer. We give you a realistic timeline for your situation rather than a marketing promise.
Will a bank or SBA loan be cheaper?
Sometimes, and if so we will tell you. A business with clean books and strong credit should usually start with a bank or SBA lender. Our edge is speed, flexibility, and funding the businesses banks decline.
Read next
- Can You Get a Small Business Loan for an Online Business?What a funder asks an online business for when there is no storefront and no equipment to secure against.Read it
- From Application to Funding: The Six Stages of a Business LoanThe six stages between a first conversation and money in the account, and what stalls each one.Read it
Talk to Ovesture
See if you qualify
Tell us your situation. We will show you the routes that fit and tell you honestly which one is best, even if it is not one of ours.
- A person reads this, not a bot, and replies within one business day.
- Nothing is pulled or signed. No credit check and no application reaches a lender until you have seen the numbers and said yes.
- We are a funding firm, not a law firm. We do not give legal or tax advice.
- If we are not the right answer for you, we say so and tell you who is.