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BANK FEED RISK ENGINE FUNDING
AI-assisted underwriting · Human-led

Capital decisions, driven by data.

AI reads the financials. Underwriters make the call. Same Day Funding.*

Neto Capital Statement intelligence Reading
Bank statement
Monthly deposits
Avg. daily balance
Monthly obligations
Est. advance
A+ Paper Grade
Reviewed by an underwriter 1,204 transactions read
Desk hours 9–6 ET
Files reviewed during desk hours
Wires sent during desk hours
Soft credit pull only
$45M+
Capital deployed
350+
Businesses funded
2 hrs
Avg. decision
5+
Years operating
Why choose us?

Because your business can't wait

01

Decisions in as little as one business day*

Apply before mid-afternoon — most complete files hear back the same day.

02

One specialist

The analyst who reads your file is the one who calls.

03

Committed to you

A real team on the phone, before and after funding.

04

Not a credit score

Your score isn't the decision. Real revenue and cash flow drive approvals.

05

Nothing on your home

No lien, no compounding, no early-payoff penalty.

06

Never left in the dark

If we can't fund you, our partner network can. We make the intro.

Who we fund

We fund the
business you
actually run.

Six months trading, $10,000 a month in deposits and a business bank account is the whole qualification list. If you're outside it, call anyway — we'll tell you what would change the answer.

Start an application → Free to apply · No obligation
01 RESTAURANTS 02 RETAIL 03 TRUCKING 04 CONSTRUCTION 05 AUTO 06 MEDICAL 07 PROFESSIONAL 08 SALONS · FITNESS
01
Restaurants & food service
Bars, cafés, catering, franchise groups
02
Retail
Brick-and-mortar storefronts, seasonal inventory
03
Trucking & logistics
Owner-operators, fleets, freight brokers
04
Construction & trades
GCs, subs, HVAC, plumbing, electrical
05
Auto services
Repair shops, body shops, dealerships
06
Medical & dental practices
Clinics, labs, specialty groups
07
Professional services
Agencies, staffing, IT and field services
08
Salons, spas & fitness
Studios, gyms, multi-location operators
YOUR DAILY DEPOSITS A BANK'S FIXED PAYMENT WHAT YOU REMIT · A FIXED SHARE, NOT A FIXED SUM ILLUSTRATIVE
How repayment behaves

A remittance that
breathes with
your receipts.

A bank asks for the same payment in February as in December. We take an agreed share of what actually lands in your account — so a slow week costs you less, and a strong week finishes the advance sooner.

01 A set percentage of deposits, agreed before you sign
02 Remitted by ACH on a daily or weekly schedule
03 Finish early and there is no penalty for it
In their words
"I applied in the morning and had funds by the afternoon. Neto Capital made it easy — no runaround, just results."
5.0 RATED BY OWNERS
Jessica M.
Retail Business Owner
1 / 9

Individual results vary. Testimonials reflect individual experiences and are not a guarantee of approval, amount, or terms.

Partner with us

Send us the file. We'll work it.

YOUR FILE SAME DAY $
Become A Partner

Brokers

Answers as fast as the same day on submissions*, honest declines with a reason you can use, and a merchant who stays yours at renewal.

ISOs

Competitive splits paid on schedule, direct access to the underwriter on the file, and no marketing to your book.

Investors

Participation in a seasoned, in-house underwritten portfolio, with reporting from the people who wrote the paper.

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