Latest Funding: $45k (Retail)Approval Time: 2h 14mUnsecured Capital AvailableA+ Rated Commercial FinancingZero Upfront Fees
Latest Funding: $45k (Retail)Approval Time: 2h 14mUnsecured Capital AvailableA+ Rated Commercial FinancingZero Upfront Fees
EXPEDITED CAPITAL FACILITY
Unsecured Working Capital
In Under 4 Hours
Access up to $250,00 in non-dilutive liquidity engineered for immediate operational needs. No personal collateral, no restrictive covenants, and funds wired within 24 hours of approval.
INSTITUTIONAL PERFORMANCE
Capital Engineered For Speed
Direct liquidity infrastructure providing accelerated access to enterprise-scale balance sheet funding.
$0B+
CAPITAL DEPLOYED
0.0h
AVERAGE FUNDING TIME
0k+
BUSINESSES FUNDED
SECURE PROCESSING & SETTLEMENT PARTNERS
CORE ADVANTAGES
Frictionless Funding
Designed for fast-moving businesses requiring liquidity without rigid covenants, personal asset pledges, or bureaucratic delays.
No Collateral Required
Obtain substantial working capital purely based on operating cash flow, safeguarding personal and commercial assets.
- Zero real estate or asset liens
- Unsecured underwriting evaluation
- Personal net worth unencumbered
Transparent Terms
Clear cost factor rates and pre-agreed payback schedules with absolute clarity from day one and zero surprise fees.
- No compounding interest surprises
- Fixed, upfront factor rate schedule
- Zero hidden origination charges
Automatic Repayments
Repayments flex dynamically alongside your daily sales volume, ensuring cash reserves remain comfortable during slower seasons.
- Flxible percentage of card receivables
- Lower remittance during slower weeks
- Seamless automated bank settlement
Zero commitment: Instant evaluation with no impact on personal credit.
EXECUTION TIMELINE
The 3rd Step Process
Engineered for executive speed. From portal intake to direct wire verification in under 4 hours.
STEP 01 • 2 MINUTES
Apply
Complete our streamlined digital portal in 120 seconds. No physical paperwork, tax returns, or personal asset pledges required.
Input: 3-Month Bank Statements
STEP 02 • UNDER 3 HOURS
Approve
Algorithmic underwriting assesses revenue consistency over rigid FICO scores. Receive your tailored funding term sheet within hours.
Criteria: Revenue-Led Underwriting
STEP 03 • SAME DAY
Fund
Execute digital agreement and authorize terms. Funds are dispatched immediately via same-day Fedwire directly to your primary operating account.
Delivery: Direct Wire to Operating Account
No credit impact to review terms • Real-time underwriting desk
Corporate Headquarters
100 Montgomery Street, Suite 1800
San Francisco, CA 94104
Direct: (800) 592-3827
Email: [email protected]
© 2026 3rd Step Capital, LLC. All rights reserved.
REGULATORY COMPLIANCE & COMMERCIAL LENDING DISCLOSURES
3rd Step Capital is a commercial financial technology platform providing business funding solutions and commercial lines of credit. 3rd Step Capital is not a depository institution and does not provide consumer lending, residential mortgages, or personal loans. Commercial financing products, term facilities, and working capital advances are arranged pursuant to California Financing Law License No. 60DBO-118492 or originated directly by FDIC-insured member bank partners.
All financing is subject to underwriting approval, verified company cash flows, credit evaluation, and execution of definitive commercial agreements. Actual APR, advance percentages, and repayment terms vary based on applicant risk profile, operational history, and asset backing. Submitting preliminary business information authorizes commercial credit verification and does not constitute a binding financing commitment.