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BackChannel Capital

Connecting Businesses with the Financing They Need to Thrive

Need quick access to working capital? Our Revenue-Factoring Program offers:

• Advance Amounts of $100,000–$5 Million
• Estimated Terms from 4–10 Months
• Buy Rates Starting at 1.18x
• Funding in as Little as Two Days from Application

With a simple application process, we help growing businesses secure the funds they need—fast. If you've been in business for at least one year and have at least $50,000 in average monthly revenue, you’re already on your way to hassle-free financing.

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Frequently Asked Questions

Do I qualify for funding through BackChannel Capital?
Any business (B2B or B2C) with at least 12 months of operation and average monthly revenue over $50,000. Certain industries such as marijuana, check cashing, trucking (fewer than 5 vehicles), auto sales, specialty law, and debt consolidation are not eligible.
What documentation do I need to submit to apply?
Just your signed application and 3 months of recent bank statements (4 months if your business is located in NY or CA). No tax returns, financial statements, or AR reports are required during application though they may be requested during underwriting.
How quickly can my business get funded?
After approval, funds are typically available in just 2-4 business days.
Is there an interest rate?
No, there isn't an interest rate like a traditional loan. Instead, you receive a discounted amount of your future sales upfront, and you gradually repay the full funded amount over the term of the agreement. The discount varies based on factors like credit, business conditions, and revenue stability.
How is repayment structured?
Repayment is automatic, taken as a percentage from your receivables deposited into your bank account, until the full amount is repaid.
Do I pay the same amount every month?
Because repayment is made as percentage of each receivable, your repayment amount will vary with the cash you receive from sales, so if you make fewer sales in a particular month the amount you pay will flex down.
Are there prepayment penalties or hidden fees?
No. You’ll never face prepayment penalties or hidden fees.
Will applying impact my credit score?
No. Application only requires a soft credit pull, which will not affect your credit score.
Is a personal guarantee required?
Yes, but typically only for instances of fraud or similar bad acts.
What are the typical financing terms?
Financing terms are typically from 4 to 10 months.

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