Send the file
Submit your annual revenue, business details, requested funding amount, current positions, and recent bank statements.
Business loans made simple
Fast business loans for growing your business.
KIS Funding works with eligible merchants nationwide to help secure working capital from $10K to $1MM with clear guidelines and a straightforward submission process.
$10K–$1MM funding rangeAll statesBroker friendly
- $150KMinimum annual revenue
- 1 yearTime in business (TIB)
- $5KMinimum balance
- NoneOpen defaults
Clean process. Clear terms.
Built for businesses and partners who value speed, clarity, and follow-through.
We keep the funding conversation focused on what matters: annual revenue, time in business, current position, bank strength, and realistic funding fit. Broker-friendly submissions always welcome.
Who we work with
Working capital for businesses ready to grow.
KIS Funding works with established merchants across most industries who need fast access to working capital — whether it's for payroll, inventory, equipment, expansion, or bridging a cash flow gap.
Direct lender
KIS Funding is a direct lender of working capital and merchant cash advances, not a broker or marketplace. Faster decisions, clearer terms, no middleman.
Revenue-based funding
Funding is based primarily on annual revenue and cash flow. Eligible businesses with $150K+ annual revenue can qualify regardless of industry position.
Multiple positions welcome
KIS Funding considers 1st through 8th position deals, making it possible to access additional working capital even with existing funding in place.
Funding options
More than one way to fund your business.
Every business is different. KIS Funding puts your file in the product that fits, all from one direct lender.
Merchant cash advances
Term loans
Business line of credit
Equipment financing
Bridge loans
Funding guidelines
Know the fit before you submit.
These are the core items used to screen working capital and business funding opportunities at KIS Funding.
$150K minimum annual revenue
1st–8th position considered
1 year time in business
$5K minimum balance
Funding available in all 50 states
$10K–$1MM funding range
No open defaults
Restricted industries
A few industries are not currently eligible.
Transportation
Law firms
Solar
Cannabis
Why choose KIS Funding
Fast, flexible, and transparent business funding.
Traditional bank loans mean long applications, collateral, and weeks of waiting. KIS Funding is built for business owners who need capital now and want to know exactly where they stand.
Fast
A short submission, a quick review against clear guidelines, and a direct answer. Approved deals are typically funded within 24 to 48 hours.
Flexible
Approvals are based on your revenue and cash flow, not just your credit file. Existing positions from 1st through 8th are considered.
Transparent
The guidelines are published right on this page, so you know the fit before you submit. Clear terms, no hidden surprises.
Funding process
A simple path from submission to funding.
KIS Funding keeps working capital submissions organized so merchants can understand the likely fit before spending time on a file.
Review the fit
The submission is screened against revenue, time in business, balance, position, state, and default guidelines.
Move quickly
If the file is eligible, the next steps can be handled directly with clear communication and fast turnaround. Funds are typically deposited within 24 to 48 hours of approval.
Documents needed
Submit a cleaner file for faster review.
Business legal name
Requested funding amount
Annual revenue estimate
Time in business
Current funding positions
Recent bank statements
For brokers and ISOs
Partner with a direct lender that respects your deals.
KIS Funding is broker-friendly by design. Send us a clean file and you get a fast, honest answer from the people who actually fund the deal.
No hidden fees
A transparent, easy-to-understand funding process with no hidden fees or complicated fine print, so your clients always know what they are getting.
Direct lender, direct answers
No middleman between you and the decision. You get a clear yes or no and funds within 24 to 48 hours of approval.
Flexible products
Merchant cash advances, term loans, lines of credit, equipment financing, and bridge loans, so you can fit the product to the client.
Clean files close faster
Include the business legal name, requested amount, annual revenue, time in business, current positions, and recent bank statements.
About KIS Funding
Business loans and working capital, kept simple.
KIS Funding, short for Keep It Simple Funding, is a direct lender of business loans, working capital, and merchant cash advances for businesses across the United States. Funding ranges from $10K to $1MM and is available in all 50 states. Because KIS Funding is a direct lender and not a broker or marketplace, decisions are faster and terms are clearer.
Approvals are revenue-based. A business generally qualifies with at least $150K in annual revenue, one year in business, a $5K minimum bank balance, and no open defaults. Businesses with existing merchant cash advance positions are still considered, from 1st through 8th position. Transportation, law firms, solar, and cannabis are not currently eligible.
Brokers and ISOs are welcome to submit business loan deals. Send the business legal name, requested amount, annual revenue, time in business, current positions, and recent bank statements, and KIS Funding will review the fit and follow up with clear next steps.
Our core values
How we work.
Transparency
Clear guidelines and clear terms. You never have to guess where you stand.
Speed
Quick reviews and straight answers, because waiting costs a growing business money.
Flexibility
Every business is different. We look at revenue and cash flow, not just a credit score.
Trust
We fund what we say we will fund and communicate directly at every step.
Ready to get started?
Submit a deal and find out how KIS Funding can help your business grow.
Business funding questions
Helpful answers before you send a file.
A quick look at what KIS Funding reviews, who may be eligible, and what to include with a working capital or business funding submission.
Does KIS Funding offer business loans?
Yes. KIS Funding is a direct lender of business loans, working capital, and merchant cash advances from $10K to $1MM for eligible businesses in all 50 states. Approval is revenue-based, approved deals are typically funded within 24 to 48 hours, and brokers and ISOs are welcome to submit deals.
What funding amounts does KIS Funding consider?
KIS Funding reviews eligible business funding and working capital opportunities from $10K to $1MM.
What are the basic funding guidelines?
Typical guidelines include $150K minimum annual revenue, at least 1 year time in business, a $5K minimum balance, no open defaults, and positions from 1st through 8th.
Does KIS Funding work nationwide?
Yes. KIS Funding considers working capital and business funding submissions for eligible businesses across all 50 states.
Which industries are currently restricted?
Restricted industries currently include transportation, law firms, solar, and cannabis.
How should I submit a deal?
Use the Submit a Deal form on this page, or email Deals@kisfunding.com directly with the business name, requested amount, annual revenue, time in business, current positions, and recent bank statements.
What is working capital funding?
Working capital funding gives businesses access to short-term capital to cover operating expenses, grow inventory, or bridge cash flow gaps. KIS Funding offers working capital from $10K to $1MM for eligible merchants nationwide.
Is KIS Funding broker-friendly?
Yes. KIS Funding welcomes broker submissions and works with partners who send qualified deal flow.
How quickly can I get a decision on business funding?
KIS Funding reviews submissions quickly, and approved deals are typically funded within 24 to 48 hours of approval. Providing complete information — annual revenue, time in business, current positions, and recent bank statements — speeds up the review process significantly.
What is the minimum time in business required?
KIS Funding requires at least 1 year time in business (TIB) for funding consideration.
Do I need collateral to get business funding?
Merchant cash advances through KIS Funding are unsecured and based on your revenue and cash flow. No collateral, no fixed repayment schedule, and minimal paperwork. Repayment is based on your daily receivables, so it moves with your business.
Can I get funded if I already have MCA positions?
Yes. KIS Funding considers deals from 1st through 8th position. If your business meets the revenue and balance guidelines, existing MCA positions do not automatically disqualify you.
What industries does KIS Funding work with?
KIS Funding works with most business types nationwide. Current restricted industries are transportation, law firms, solar, and cannabis. All other eligible industries are considered.
How do I qualify for a business cash advance?
To qualify for working capital or a business cash advance through KIS Funding, your business generally needs $150K or more in annual revenue, at least 1 year in business, a $5K minimum bank balance, and no open defaults.
Is there a minimum or maximum funding amount?
KIS Funding considers working capital and business funding requests from $10,000 up to $1,000,000 depending on the business's revenue, position, and overall profile.