Essentia Funding
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Powered by Plaid + AI underwriting
Funded in minutes, not weeks.
Connect your bank with Plaid in one tap. Our AI — trained on 30 years of industry experience — reviews your business and approves it, usually in under 30 minutes.
Check Your Options See how it works →
✓No statement uploads
✓Read-only connection
✓Funds as soon as today
LIVE FUNDING PIPELINE
~30 min
Plaid
Bank connected via Plaid
Chase · read-only
✓
AI
AI underwriting
Trained on 30 years of experience
Elena, bakery owner
✓
APPROVED
$225,000
Elena · Bakery · Tampa, FL
total time
27 min
How much do you need?$75,000
$5Kup to $10M
See My Options →
$850M+
capital delivered
12,000+
businesses funded
30 min
average approval
4.9★
Trustpilot rating
REAL PEOPLE, REAL RELIEF
The day the money landed
Behind every approval is someone who can finally breathe — hire, restock, grow.
Elena, bakery owner
✓ Funded in 27 min
"Hired two people that same week."
Elena · Bakery · Tampa, FL
Darnell, auto shop owner
✓ Funded next day
"Finally slept easy."
Darnell · Auto shop · Columbus, OH
THE ESSENTIA WORKFLOW
From "application" to "deal funded" in under 60 minutes.
Watch a real Tuesday morning: application, AI review, and money in the bank before 10 AM.
Applying…
LIVE EXAMPLE
Tuesday
9:00 AM
9:02 AM
Bank connected via Plaid
9:04 AM
5-minute application submitted
9:11 AM
AI underwriting complete
9:29 AM
Approved · $225,000
27 minutes after applying
9:46 AM
Funds transferred to your bank
SEE IT IN ACTION
The simplest application you'll ever fill out.
Approval powered by Plaid and AI trained on our combined 30 years in the industry — in minutes.
essentiafunding.com/apply
Tell us about your business
Nine fields. No paperwork.
BUSINESS NAME
Riverside Bakery
INDUSTRY
Restaurants & Food
MONTHLY REVENUE
$180,000
AMOUNT NEEDED
$225,000
Step 2 of 4 · Quick app
Continue →
Connect your bank in one tap
Plaid
C
Chase
B
Bank of America
W
Wells Fargo
TD
TD Bank
c
Citi
US
U.S. Bank
Connected in seconds
No uploads
Step 1 of 4 · Plaid — zero paperwork
AI trained on 30 years of experience
✓Revenue verified automatically
✓No statements to print
●Drafting decision…
Step 3 of 4 · AI underwriting
✓
Approved — $225,000
27 minutes after applying · Funds on the way to your bank
Step 4 of 4 · Approved
THE TECH BEHIND THE 30 MINUTES
Fast because we're built for it
No fax machines, no branch visits. Three pieces of technology do in minutes what banks take weeks to do.
🏦
Your bank
Plaid
Plaid
E
Essentia
Plaid bank sync
Connect your business bank account securely through Plaid in seconds. Read-only access, bank-grade encryption — we see real revenue instantly, no statement uploads.
A 5-minute application
Nine fields. Only what matters: who you are, your business, and how much you need. No paperwork stacks, no appointments.
AI underwriting
Our models read 12 months of cash flow in seconds and draft a decision. An experienced human underwriter signs off — judgment included.
Bank-grade 256-bit encryption
Read-only bank access
Your data is never sold
Funding that fits your plans
Five products, one simple application. Tell us what you're working toward and we'll handle the rest.
Revenue-Based Financing
Repay as you earn — flexes with your sales.
Learn more →
Line of Credit
Flexible cash on standby, whenever you need it.
Learn more →
Term Loans
One lump sum, predictable monthly payments.
Learn more →
Equipment Financing
New tools and vehicles without the upfront hit.
Learn more →
SBA Loans
Great rates, and we help with the paperwork.
Learn more →
What People Are Saying
Business owners like you
★★★★★
"I connected my bank, answered a few questions, and the funds hit my account that same afternoon."
James, restaurant owner
James O.
Restaurant owner · Austin, TX
★★★★★
"My advisor actually explained the terms in plain English. No games, no fine print surprises."
Priya, salon owner
Priya S.
Salon owner · Jersey City, NJ
★★★★★
"We've used the credit line three times now. It's like having a safety net that grows with us."
Marcus, trucking company owner
Marcus T.
Trucking company · Columbus, OH
RESOURCES
Guides for your industry
Browse all resources →
Restaurants
Managing cash flow through the slow season
7 min read
Construction
Bridging the gap between invoicing and payment
6 min read
Guides
MCA vs. line of credit: choosing the right tool
5 min read
Ready to check your options?
Five minutes, zero obligation.
Apply Now
Brokers & ISOs, let's talk
30-minute approvals and a partner desk that answers.
Partner With Us
Essentia Funding
Fast, friendly working capital for growing businesses.
Products
Revenue-Based FinancingLine of CreditTerm LoansEquipment FinancingSBA Loans
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We comply with the Equal Credit Opportunity Act (ECOA) and do not discriminate on the basis of race, color, religion, national origin, sex, marital status, or age.
Essentia Funding provides business financing only; our products are not consumer loans. Revenue-based financing is a purchase of future receivables, not a loan. All financing subject to approval.
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