Working capital for businesses that actually qualify.
Unsecured funding from $25,000 to $300,000+ for established companies with real bank activity. One-page soft-pull application. Decisions in as little as 4 to 8 business hours. Funding as fast as the same day.
Built for speed. Underwritten on your bank statements.
We do not care about perfect credit. We care about 90 days of healthy business bank activity. If your deposits are real, your options are real.
60-second pre-qualification
Seven quick questions. Our engine scores your file instantly against real funding criteria.
One-page soft-pull application
Pre-qualified? Sign the single-page application electronically on the spot. No hard inquiry.
90 days of bank statements
Upload three months of statements. That is the whole file for most programs.
Decision and funding
Answers in as little as 4 to 8 business hours. Funding as fast as the same day.
We speak your industry.
Working capital is not one-size-fits-all. Every industry has its own cash flow gap, and we underwrite for it. Start with yours.
Wholesale Distributors & Importers
Your money is on the water. Ours isn't.
HVAC Contractors
Fund the crew before the GC pays you.
Plumbing Contractors
The job is done. The invoice isn't paid. We fill the middle.
Electrical Contractors
Wire the job without unwiring your cash flow.
Light Manufacturing & Machine Shops
Materials up front, receivables in 90. We fill the middle.
Healthcare Practices
Expand the practice without touching personal credit.
Government Contractors
Uncle Sam pays slow. We don't.
Why established businesses choose Mile Hi.
- Soft-pull application: checking your options never dings your credit
- Bank-statement underwriting: strong deposits beat perfect FICO
- Corporate-only structures available for qualified companies
- First-position focus: we do not stack you into a debt spiral
- Renewable: fund this cycle, come back for the next one
- A human closer, not a call center: you deal with a principal
See What You Qualify For
60 seconds. No hard credit pull. Answers in as little as 4 to 8 business hours.
Questions owners actually ask.
Will this hurt my credit?
No. Pre-qualification uses the answers you give us. The application itself is a single-page soft-pull authorization, not a hard inquiry.
What if I already have an advance outstanding?
One existing position is workable. Multiple stacked positions usually are not, and we will tell you that straight instead of burying you deeper.
How fast is funding, honestly?
A complete file (signed application plus 90 days of statements) typically sees a decision in 4 to 8 business hours. Same-day funding happens regularly for qualified files submitted in the morning.
Is this a merchant cash advance?
We arrange a range of products including working capital loans and lines. Structure depends on your file. We match qualified businesses to the strongest program they fit, always favoring the lowest-cost structure available to you.