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Nav Surge

Fast Working Capital When Your Business Needs It

Cover a cash flow gap, make payroll, or jump on an opportunity. LendNav matches you with working capital funders and handles the legwork, so you can get back to running your business.

  • Funding in as little as 24 to 48 hours
  • Minimal paperwork required
  • Based mainly on your business revenue
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No cost to apply. A LendNav specialist walks you through every offer before you sign.

LendNavExample

Your request

Working capital

$75,000

Use of fundsInventory
Documents4 statements

Your status

Offers readySpecialist reviewing them with you
Fast fundingAs little as 24 to 48 hours
Review offers
24 to 48 hour fundingMinimal paperworkRevenue-based
what's it for?

Working capital for whatever comes up

Nav Surge is built for the moments that can't wait. Most owners use it for one of these.

Cash flow gapsBridge slow-paying customers or a seasonal dip without falling behind.Apply nowPayrollKeep your team paid on time while you wait on receivables.Apply nowInventory and suppliesStock up ahead of a busy season or take advantage of a bulk discount.Apply nowRepairs and surprisesFix equipment, a vehicle, or a building issue before it costs you sales.Apply nowGrowth and marketingFund a campaign, a new hire, or a second location when the timing is right.Apply nowTaking on a big jobCover materials and labor up front on a contract that pays later.Apply now

Built around your sales, not just your score

Revenue-based: funders look mainly at your business's monthly deposits and time in business, which is why decisions move much faster than a bank loan.

Simple repayment: payments are typically small and automatic, taken daily or weekly from your business account. Your specialist explains the total cost and schedule of every offer before you sign.

What you'll need to start

  • A short online application
  • Your last 4 months of business bank statements
  • That's it. Your specialist will tell you if a funder needs anything else.
LendNavExample

Your funding

Application
Bank statements
Review offers
Sign agreement
Funded

How it works

  1. 1

    Apply in minutes

    Fill out a short online application and upload your last 4 months of business bank statements. No long forms, no business plan.

  2. 2

    Review your offers

    A LendNav specialist compares offers from multiple funders and walks you through the cost, payment schedule, and term of each in plain English.

  3. 3

    Get funded

    Pick the offer that fits and sign. Funds can arrive in your business account in as little as 24 to 48 hours.

Apply Now

Frequently asked questions

Ask another question

Many businesses are funded in as little as 24 to 48 hours after approval. Timing depends on the funder and on how quickly the application and bank statements come in, so sending everything at once is the fastest way through.

A short online application and your last four months of business bank statements. If a funder needs anything else, your specialist will tell you exactly what.

Funders look mostly at your business revenue, deposits, and time in business. Credit is part of the review, but it usually carries less weight than it does for a bank loan.

Most Nav Surge programs use small, automatic daily or weekly payments from your business bank account. The exact amount, schedule, and total cost are spelled out in every offer before you sign.

It depends on the program. Some Nav Surge offers are short-term business loans, and others are revenue-based financing, sometimes called a merchant cash advance, where a funder purchases a portion of your future sales. Your specialist will explain which type each offer is and how it works.

No. Applying and reviewing your offers is free. Any costs of the financing are disclosed by the funder before you accept an offer.

Get your working capital moving

A short application, four months of statements, and a LendNav specialist who comes back with real offers.

Apply Nowor call (914) 712-6669

LendNav LLC is a financing marketplace and does not itself extend credit or purchase receivables. Financing is provided by third-party lenders and funders and is subject to underwriting approval, verification, and program eligibility. Some Nav Surge programs are revenue-based financing agreements, not loans. Funding times are estimates that depend on the funder and on receipt of required documents. Costs, payment schedules, and terms vary by funder and are disclosed before you sign. Programs may change without notice and are not available in all states.