Apply online
Complete our quick online application in about 5 minutes. Basic information about your business and what you need, no lengthy paperwork to get started.
Business funding, simplified.
Small business financing from $10K to $5 million: working capital, term loans and lines of credit. $50K+ in monthly revenue, three short steps and a decision in under 24 hours.
Select product
Working capital
Set the funding amount
$0
$10K$5M
Drag to set your amount
Monthly revenue$85,000
Time in business3+ years
Next
Your details
Maria Lopez
BusinessLopez Family Bakery LLC
Your rate1.25%* / month
Apply
Your application
is being reviewed
0%
You’ll have a decision
in under 24 hours.
You’re approved
$150,000
Accept offer
Funding
Business checking ···· 4821+$0Wire received · today
Documents signed
Wire sent
Money in your account
Done
Business financing up to $5 Million
Working capital, term loans and lines of credit, sized to your monthly sales. One short application and a real team finding the option that fits.
Rates starting at 1.25%* per month
Clear pricing with no surprises. Your Ruby specialist shows every offer with its total cost and payment, side by side, before you sign.
Decision in under 24 hours
Most decisions come back the same day. A real person reviews your file, not just a score.
Approved, with the offer in writing
Your specialist walks you through the amount, the term and the payment before you accept anything.
Funds in your account
Sign, and the wire goes out. The money is usually in your business account within 24 hours.
We understand small business.
Simple
Apply from your phone in three short steps. Basic information about your business and what you need, no lengthy paperwork to get started.
Personal
A Ruby specialist works your file with you, explains every option and answers the phone when you call.
Transparent
Every offer comes with its total cost and payment schedule, so you always know what you owe and when.
At Ruby Capital Group we know timing is everything. Unlike most banks, we focus on the most flexible financing options available, and fast.
Three short steps. Documents can come later.
Minimum requirements
All you need to qualify.
Meet all four and you can apply in about five minutes.
Apply nowDocuments can come later.
Funding Calculator
Credit score500+
Business owner’s FICO score
Time in business12+ months
Minimum operating history
Monthly revenue$50K+
Gross revenue in a typical month
Documents4
Your most recent business bank statements
Get tailored financing options.
Working Capital
Fast funding based on your sales, for payroll, inventory and the day-to-day costs that do not wait.
Based on your monthly revenue
Funding from $10,000 to $5,000,000
Decision in under 24 hours
Daily or weekly payment options
Documents can come later
Payroll and materials$85,000Example · Funded in one day · Took on two more jobs
Small Business Term Loan
A lump sum up front with fixed payments over a set term, so you always know what you owe.
Terms from 12 to 36 months
Rates starting at 1.25%*/month
Funding from $10,000 to $5,000,000
Weekly or monthly payment options
Decision in under 24 hours
Second location$150,000Example · 24-month term · Fixed monthly payment
Small Business Line of Credit
A credit line you draw from when you need it, and only pay for what you use.
Draw as you need, repay, draw again
Pay only on what you use
Credit lines up to $5,000,000
Built for seasonal cash flow
Decision in under 24 hours
Seasonal inventory$60,000Example · Drawn in two parts · Paid only on the drawn amount
Join our happy customers.
Rated by real Ruby clients
“Was a super simple process working with Leo. I’ve worked with a few similar companies and they were a HUGE headache. Have been using them for a while, highly recommend!”
“Highly recommend. It was a smooth and pleasant process working with Leo at Ruby Capital. Answering all my questions patiently and going through with their word, reliable and honest.”
“Ruby Capital was the perfect solution for my business. Anthony and Mike provided the deal no other company could match.”
Just 3 steps to get started.
We keep the application simple so you can focus on your business, from keeping payroll covered to stocking up before the busy season.
Apply nowDocuments can come later.
Funding Calculator
Get approved
A Ruby specialist reviews your application and presents financing options matched to your business. We look at revenue and time in business, not just your credit score.
Receive your funds
Once approved and the documents are signed, funds can be in your business bank account in as little as 24 hours.
Let’s get your business moving.
Apply online in minutes. No collateral, no obligation, and the documents can come later.
Apply now Questions? Call +1 929-592-4806