Approval in Hours
Minimal paperwork and 24-hour decisions, so you can act while the opportunity is still in front of you.
Merchant cash advances & lines of credit
Fast, Flexible Funding to Fuel Your Business Growth.
Connecting small businesses to capital since 2012
Access working capital based on the strength of your business — not just your credit score. Choose a merchant cash advance or a line of credit, with decisions in hours and funding that fits how you operate.
Apply for Funding
Hours, not weeks
$5k–$250k typical range
Secure application
Flexible Repayments
Based on your daily credit card sales or bank deposits — repayments flex with the rhythm of your business.
High Approval Rates
We look at business health, not just credit scores. Strong sales and time in business can open more doors.
Product options
Two ways to get working capital — choose the structure that fits your business.
Product
Merchant Cash Advance
A lump sum of working capital, repaid as a percentage of future sales or deposits, so payments can flex with how your business is doing. A strong fit when you need funds quickly for inventory, payroll, equipment, or an opportunity you don’t want to miss.
Product
Line of Credit
A revolving line of working capital you can draw from when you need it, pay down, and draw again — subject to your approved limit and underwriting. Built for ongoing expenses and timing gaps, not just a one-time need.
How it works
Three straightforward steps from inquiry to funding.
1
Share a few details
Complete your application, upload four months of business bank statements, and sign online.
2
Get a same-day decision
Our team reviews your file promptly. Most merchants receive a decision within hours.
3
Receive your funding
Accept your offer and funds are sent to your account so you can put capital to work.
Quick funding estimator
Select how much capital your business needs.
This estimator is a guide, not a commitment. Your actual offer depends on business performance and underwriting.
What business owners say
Small business owners on working with Bayof Business Capital.
“Jamie took the time to understand how my restaurant actually runs before we ever talked numbers. Everything was explained clearly, and there was no runaround at any point.”
“Straightforward from the first call. Jamie was honest about what made sense for my business and what didn’t, and the whole process was easy to follow.”
“I’d been nervous about business funding, but Bayof Business Capital made it simple. They listened first, answered every question, and were genuinely easy to work with.”
“Running trucks, I don’t have time for back-and-forth. Bayof Business Capital kept things clear and moving, and I always knew exactly where my application stood.”
About Us
Jamie Bayof
Founder & CEO
Jamie Bayof is the founder and CEO of Bayof Business Capital. Since 2012, he has focused on connecting small business owners with working capital they can actually use — quickly, clearly, and without the runaround. Jamie starts by listening: understanding how a business really runs before talking numbers. Owners who work with him tend to describe him the same way: he knows the funding landscape, he is honest about what a deal can and cannot do, and he is easy to work with from the first conversation through funding. That straightforward approach is the standard at Bayof Business Capital.
Your next chapter starts here
Complete your business details, upload four months of bank statements, and sign your application.
Apply for Funding →