MOTUS FUNDING · SMB CAPITAL

YOUR NEXT MOVE,
FUNDED

Business doesn't wait. Neither should your capital.

We find your capital. You run your business. Our technology matches your application to our lender network to find the right fit and the right terms.

Funding Up To

$500K

Funding Speed

24 Hours

Lender Network

50+

FUNDING ADVISORY
LENDER NETWORK
NO OBLIGATION
FAST REVIEW

Estimate your funding

Move the slider to explore your options.

Loan Amount $50,000
$5K $500K
Est. Range $40K – $60K
Funding Speed As soon as same day
Pre-qualify in minutes. No hard credit pulls. No obligation.
Apply Now

Estimates only, not an offer. Amounts, speed and terms are subject to lender approval.

Revenue-Based Financing Business Lines of Credit Term Loans Equipment Financing SBA Loans Credit Stacking
About Motus

For business owners,
by business owners.

Motus was founded on a simple belief: business owners are the backbone of the economy. We've sat in your chair. We know what it takes to make payroll, chase an opportunity before it closes, and keep moving when the timing isn't perfect.

That's why we built Motus differently. No runaround, no one-size-fits-all products. Just funding solutions shaped around how real businesses actually operate. We understand your needs because we've lived them, and we're dedicated to getting you the right capital to keep your momentum going.

01

Owner-first

Built by people who've run businesses, for people running them now.

02

The right fit

One conversation, matched to the financing that actually fits your situation.

03

Built for speed

Because momentum matters, we move at the speed your business needs.

One application. Multiple paths to capital.

Tell us about your business once. We'll match you to the financing that fits and walk you through every option.

01 / MCA & RBF

Merchant Cash & Revenue-Based

Quick access to capital based on your sales, not just your credit. A flexible, fixed-cost option for covering emergencies or jumping on time-sensitive opportunities.

Best ForSpeed / cash flow
Based OnRevenue
SpeedAs soon as same day
  • Approval weighted to deposits, not just credit
  • Repayment flexes with your sales
  • Funds fast for short-term needs
Apply for MCA / RBF
02 / LOC

Business Line of Credit

Revolving credit you draw on as needed, and you only pay interest on what you use. The go-to tool for smoothing cash flow and keeping working capital ready.

Best ForFlexibility
Based OnCredit / revenue
SpeedDays
  • Pay interest only on what you draw
  • Reusable as you repay
  • Ready for whatever comes up
Apply for a LOC
03 / TERM LOAN

Business Term Loan

A lump sum with predictable payments for bigger moves: expansion, hiring, equipment, or refinancing. Funding for both short- and long-term needs.

Best ForGrowth / big moves
Based OnCredit & revenue
SpeedDays–weeks
  • Fixed, predictable payments
  • Larger amounts, longer terms
  • Short- and long-term options
Apply for a Term Loan
04 / HELOC

Home Equity Line

Tap the equity in your property for a revolving line at typically lower cost than unsecured options. Best for owners with available equity who want flexible access.

Best ForLower cost
Based OnHome equity
SpeedWeeks
  • Draw what you need, when you need it
  • Typically lower rates (secured)
  • Property used as collateral
Apply for a HELOC
Eligibility Criteria

Do you qualify?

Meet these baselines and you're a strong fit. Not quite there? Apply anyway and we'll tell you what's possible.

  • Operating for 12+ months
  • Incorporated as a Corporation or LLC in the U.S.
  • $20,000+ in monthly revenue
  • 600+ credit score
  • Active bank connection (Plaid™) or last 3 months of statements
What You Need to Apply

Have these ready

  • 01
    Your details

    Basic info about you and your business.

  • 02
    Bank verification

    A Plaid™ connection or bank statements from the past 3 months.

  • 03
    Good standing

    A business that's active and in good standing.