One application unlocks seven funding programs, from revenue-based financing to lines of credit and equipment financing. A dedicated advisor finds the right fit, and funds can land in as little as 24–48 hours*.
A bank offers its own products. We compare seven programs across a network of lenders, so you get the structure that fits your cash flow.
Funding sized to your sales, with remittances that flex as your revenue moves. Built for businesses that run on card volume.
Draw what you need, when you need it. Pay only on what you use.
Cover payroll, rent and inventory through slow seasons.
A lump sum with fixed, predictable payments.
POS, kitchen, vehicles, machinery. The asset can secure the deal.
Turn net-30 and net-60 invoices into cash today.
Buy your building, refinance or expand. Stop paying someone else's mortgage.
No branch visits and no stack of paperwork. Just a clear process with a real person guiding you.
A secure online application. Connect your bank statements or upload 3–4 months of them.
≈ 5 minutesSee amounts, total cost and payment structure side by side. Ask questions, then choose with confidence.
Often same or next business day*Sign electronically. Funds are deposited directly into your business account.
As little as 24–48 hrs*Your payments relationship makes funding simpler. Halo merchants get the white-glove treatment.
Your application goes to the front of the line.
With your permission, share your Halo processing history to support your file.
Payments and capital, one team, one phone number.
Every offer is laid out in plain English, so you can compare programs side by side.
See the total amount you'll repay, not just a factor or a rate.
Know your payment amount, how often it's due and the expected term.
Take time to review. Your advisor answers every question before you commit.
| Halo Capital | Traditional bank | |
|---|---|---|
| Programs available | 7 programs, multiple lenders | That bank's products only |
| Application | Online, about 5 minutes | Branch visits, weeks of paperwork |
| Time to funds | As little as 24–48 hrs* | Often 6–12 weeks |
| Collateral | Not required for many programs | Often required |
| What they look at | Revenue and business health | Primarily credit and collateral |
| Support | Dedicated 1:1 advisor | Call center |
Kitchen equipment, renovations, second locations.
Pre-season inventory and marketing pushes.
Equipment, practice expansion, cash flow while waiting on insurance payments.
Mobilization costs, equipment, payroll between draws.
Trucks, fuel, and invoice factoring.
Hiring, technology, office build-outs.
Machinery, raw materials, large POs.
Build-outs, equipment, new locations.
My bank took two months to say no. My advisor walked me through three options in one call, and I was funded before the week was out.
Clear terms and no pressure. They explained total cost before I signed anything.
Being a Halo merchant made it simple. One team handles my payments and my capital.
Get a personal walkthrough of your funding options, at a time that works for you.
Book a free call →Halo Capital is a business funding program from Halo Payments. Financing is provided by our network of third-party lending partners, who make all credit decisions.
Small and mid-sized businesses with consistent revenue. Requirements vary by program. Revenue-based options focus on sales history, while term loans weigh credit and time in business more heavily.
Exploring your options starts with a soft inquiry, which doesn't affect your credit score. Some programs may require a hard inquiry later in underwriting, and your advisor will tell you before one happens.†
For many programs, funds arrive within 24–48 hours after approval and receipt of all required documents. Term loans and real estate financing can take longer, and your advisor will set clear expectations.
It depends on the program. Bank-style loans and real estate usually require them, while many revenue-based and working capital options may not.
Typically 3–4 months of business bank statements and a valid government ID. Larger or longer-term programs may require tax returns or financial statements.
No. Any qualifying business can apply. Halo merchants receive priority review and a streamlined process.
Check your options in minutes, with no obligation and no effect on your credit to start.†
Help your merchants grow and earn on funded referrals. Track every deal in one place.
5-minute application · No hard credit pull to start†
Thanks! A Halo Capital advisor will reach out shortly to review your options. Questions in the meantime? Email capital@halopayments.com or call (508) 594-9082.
With a Senior Funding Advisor · free, no-obligation call
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