4.7-Star Average Rating
Funding Built Around Busy Season.
CPA firms, bookkeepers, tax preparers and payroll bureaus earn most of a year in a few months and pay for it across all twelve. Funding that fits a practice rather than a shopfront, with a decision in hours.
How much funding do you need?
$270,000
Answer a few simple questions and an advisor will come back with the options you actually qualify for.
- Soft credit check only
- No obligation
- 300+
- businesses funded since 2012
- $6M+
- provided in financing
- 4.7 Stars
- from happy customers
What Accounting Firms Actually Borrow For.
A practice has almost no inventory and almost no equipment, which is exactly why it borrows: nearly every cost is people, and people are paid monthly whatever the billing cycle is doing.
Staffing up before the season starts
Seasonal preparers and reviewers are hired, trained and paid in advance of the work they do, which is itself billed after it is done.
Billed in April, collected in July
Fees go out at the end of an engagement and settle on the client’s habits, not your terms. A practice can have a record year and a thin summer.
Buying a retiring practitioner’s book
The most reliable way a firm grows is acquiring clients from someone winding down — and that is paid for at the start, out of fees that arrive over years.
The software and hardware refresh
Tax, practice management, document and security tools renew annually, usually together, usually before the season they are bought for.
Keeping staff between seasons
The hard part is not hiring for March, it is paying good people through September so they are still there next March.
Winning clients in the quiet months
Advisory work, a niche practice area or a local campaign is built in the off months and pays back in the busy ones.
The Options This Trade Usually Wants.
All nine are open to an accounting practice. These are the ones the shape of the problem tends to point at — and an advisor will say plainly if a different one fits better.
Get FundedBusiness Line of Credit
A Credit Line That Refills As You Repay
An approved limit you draw from, pay down, and draw from again — with interest charged only on the balance you actually have out. The money is in place before you need it, so a slow month does not start with an application.
Revolving Limit — Approvals up to $1,500,000, reusable as you repay
Working Capital
When Timing Is Everything
A lump sum up front with a fixed, predictable payoff — built for payroll, inventory and the gaps between invoicing and getting paid. Approval looks at how your business actually performs, not only at your credit file.
Right-Sized Amounts — From $15,000 to $2,000,000
SBA Loans
The Longest Terms Available Anywhere
Loans partly guaranteed by the U.S. Small Business Administration, which caps what a lender may charge and allows terms no conventional product matches. The trade is time: an SBA file takes weeks rather than hours, and asks for the paperwork to match.
Up To $5,000,000 — The 7(a) program's ceiling
Receivables Financing
Get Paid Now For Invoices Due Later
Your unpaid business-to-business invoices, advanced as cash instead of waiting out a 30-, 60- or 90-day term. The facility grows as your sales do, because the limit is set by your receivables rather than by a fixed approval.
80% To 90% Up Front — The balance, less the fee, lands when your customer pays
Business Loans
A Lump Sum Now, On Terms You Can Plan Around
A fixed amount up front and a fixed schedule to repay it — the simplest way to fund something whose cost you already know. The amount, the term and the payment are all settled before you sign, so there is nothing to discover later.
Sized To The Job — From $15,000 to $5,000,000
Funding That Moves At Your Speed.
Three Steps To Funding Your Future
Complete the application.
Answer a few questions about your business — it takes minutes — and an in-house loan advisor will call to talk through what you need.
Get a decision.
Your advisor comes back with the options you actually qualify for, often the same day, and helps you weigh them side by side.
Receive your funds.
Sign your contract and the money can land as soon as the same day — yours to put to work at whatever pace the business needs.
What Can You Do With Funding From Nanotom Capital?
- Purchase inventory
- Cover payroll
- Expand or renovate
- Launch marketing campaigns
- Stabilize cash flow
- Upgrade equipment
- Hire more employees
- Consolidate business debt
What Others Are Saying
Imran A.
Apex Logistics Group
5 out of 5
Our experience was positive. We appreciated the transparency on costs and the no-collateral requirement. Overall, they delivered on what they promised. Got $75k in less than a week.
Shelly R.
Midtown Craft Coffee
4 out of 5
Application process was easy and the rep (I think her name was Morgan?) was super helpful. Took a bit longer than I expected to finalize (4 days instead of 2), but in the end it worked out. Might try again if terms improve.
Jared P.
JP Woodworks
5 out of 5
Fast, no BS. Got funded in like 36 hrs. Helped me cover payroll during a slow week. Would reccomend.
Carlos D.
Co-founder - Fenix Automotive Services
5 out of 5
At first I was a bit skeptical—too many funding companies out there making big promises. But these guys actually delivered. The rate was a little higher than I hoped but no hidden fees and very straight forward process.
Tina M.
Owner - Bayleaf Boutique
5 out of 5
Honestly, didn’t know what to expect but this company came thru in a big way. We were short on cashflow before a big inventory push and they got us approved fast. Funds hit the next morning. Super grateful and def using them again.
Frequently Asked Questions
What is online business financing?
Capital your business applies for and receives through a digital lender rather than a bank branch. It covers structures like small business loans, lines of credit and revenue advances. The application, the document upload and the funding all happen online, which is why a decision comes back in hours rather than weeks.
How does online business financing work?
You submit an online application, an in-house loan advisor reviews your business and talks through what you actually need, and a decision comes back — often the same day. Once you accept an offer and sign, funds can land as soon as that same day. Nanotom Capital looks at your revenue, your time in business and your cash flow rather than at a credit score alone.
How fast can I get funded?
Decisions often come back the same day once your documentation is in, and funds can land as soon as the day you sign. Timelines vary by program and by how quickly you can get documents to us.
What credit score do I need?
Nanotom Capital works with businesses from a 551 personal FICO® score. A stronger score opens up more options, but credit is only one input — revenue consistency, time in business and overall cash flow all count, and some programs still work for businesses with less-than-perfect credit. Below 551, the DIY programs are built to get you back to approval-ready.
Will applying affect my credit score?
No. Applications are reviewed with a soft credit check, which does not affect your credit score. There is no cost to apply and no obligation to accept an offer.
What can I use the funds for?
Essentially any business purpose: payroll, inventory, equipment, renovations, marketing, expansion, or bridging the gap between invoicing and getting paid. Nanotom Capital does not restrict how you spread the capital across the business.
What do I need to apply?
Nothing, to start. The first step is just a form — nothing to gather and nothing to upload, and it is enough for our team to review. Start the intake form. For a full application we will need proof of identity, your last three bank statements, and a signed merchant authorization.