From application to funded - in minutes, not weeks.
No branch visits. No paperwork piles. No waiting on a committee to decide. KinectCredit runs at the speed of your business.
Daily Capacity
$250,000
Simplified for Success
Our streamlined process removes the wait times and paperwork, letting you focus on what matters: your business.
Apply in Minutes
Fill out our online application in about 5 minutes. Your business basics, estimated revenue, and a few personal details for identity verification. No hard credit pull. No impact on your score.
Get Your Offer
Our technology evaluates your application in real time. Most applicants receive a personalized credit limit, APR, and term within minutes of submitting. You'll see the full offer before you commit to anything.
Accept & Activate
Review your offer, read the agreement, and accept when you're ready. Your credit line activates immediately. This is the step where a hard credit pull occurs - we'll tell you clearly before it happens
Draw, Repay & Revolve
Draw what you need, when you need it - from your borrower portal, in under 60 seconds. Funds arrive as fast as same business day. As you repay, your credit line replenishes. No reapplying. Ever.
What You Need to Apply
Most applicants complete the full application with just:
- Business legal name, EIN, and address
- Estimated monthly revenue
- Owner name, date of birth, and SSN (identity verification only)
- Business bank account - connected via Plaid for fastest approval, or 3 months of bank statements
No Collateral. No Hidden Fees.
Eligibility Overview
Fully unsecured.
You don't pledge equipment, real estate, or personal assets. Your business's performance is what we're looking at.
$0 annual fee. No prepayment penalty.
The only cost is interest on what you actually draw. Nothing else.
Your rate is shown before you commit.
We show you your exact cost and terms before you accept. No surprises at the finish line.
FAQ
Everything you need to know about KinectCredit's financing solutions.
Does applying affect my credit score?
No. We use a soft credit pull at application - zero impact on your score.
How fast will I get funded?
Most applicants who connect their bank via Plaid receive same-day funding.
What can I use the funds for?
Any legitimate business purpose - payroll, inventory, equipment, marketing, expansion, cash flow. Personal expenses are not permitted.