Rnueva360 — Business Funding Platform | Up to $5M in Hours
Business Funding Platform · 75+ Private Lenders · Nationwide

Business capital.
Your terms.

Most business owners don't have a funding problem. They have an access problem. Rnueva360 connects you directly with 75+ private capital sources — up to $5M in as little as 4 hours.

No hard credit pull
English and Spanish
1,000+ businesses funded
Instant estimate
No credit impact
How much capital do you need?
$150,000
$5K$5M
4h
Fastest funding
75+
Lenders
1 min
To apply
Continue with my application
Secure · No hard credit pull · Takes under 1 minute
$5M
Max per business
75+
Private lenders
4h
Same-day funding
50+
States served
How it works

From application to
funded in 3 steps.

1

Verify eligibility

Complete the pre-application in under 1 minute. No hard credit pull. No bank required.

Under 1 minute
2

Review your offers

Our platform matches your profile to capital sources simultaneously. Your advisor presents the best offers in your secure portal.

Same business day
3

Receive your funds

Choose your option, sign electronically, and funds are deposited directly into your business account.

As fast as 4 hours
Capital products

The right capital for
every business.

Most programs require $20K+ monthly revenue and 6+ months in business. Independent workers and startups — see the options below.
$5K – $2M
Revenue-Based Advance
Capital based on your actual monthly revenue. Repayment adjusts to your sales cycle — no fixed monthly payments. Fastest approval in our network.
Approval in 24hAll credit types
Check eligibility
$10K – $5M
Business Term Loan
Structured financing with predictable fixed payments. Ideal for planned investments, expansion, or operational scaling. Builds business credit.
Up to 60 monthsFixed payments
Check eligibility
$10K – $500K
Business Line of Credit
Draw capital when you need it. Pay only on what you use and reuse as you repay. Maximum flexibility for your cash flow management.
Revolving accessPay as you use
Check eligibility
$25K – $1M
HELOC Program
Leverage the equity in your residential or commercial property to access business capital at significantly lower rates than unsecured products.
Lower ratesProperty-backed
Learn more
$10K – $2M
Equipment Finance
Acquire the machinery, vehicles, or technology your business needs. The equipment itself serves as collateral — no additional guarantees required in most cases.
Equipment as collateralUp to 84 months
Learn more
$25K – $5M
Invoice Factoring
Convert outstanding invoices into immediate cash. Ideal for businesses with 30 to 90-day collection cycles that need liquidity now. Not a loan.
Not a loanB2B businesses
Learn more
Work independently? This section is for you.

Self-employed, freelancer,
or 1099 worker?
We have options for you.

You don't need a registered LLC or corporation. If you work for yourself — as a contractor, real estate agent, beauty professional, driver, or any independent trade — there are capital and credit programs designed specifically for your situation.

Apply now — no business registration needed

Personal credit-based capital

Strong personal credit profile? Access up to $250K through personal credit products. No business registration required.

Fast access for all income levels

Partner programs evaluate personal bank activity. Up to $45K available for independent workers even with limited business history.

Build your profile first

Not qualifying today does not mean never. Our credit program helps you build the profile needed for larger amounts in the near future.

Verified reviews

5 stars across every platform.

Google
★★★★★
5.0
Google Reviews
Facebook
★★★★★
5.0
Facebook Reviews
★ Trustpilot
★★★★★
5.0
Trustpilot Reviews
★★★★★

"Three banks turned me down. Rnueva360 got my restaurant funded the same day in Spanish. Process took less than 4 hours total."

Carlos M.
Restaurant · Miami, FL
★★★★★

"I needed $85K for a second location. Rnueva360 gave me two options the next morning and I signed that afternoon. Professional and transparent the whole way."

Jennifer T.
Med Spa · Houston, TX
★★★★★

"My credit was 590 and I had a tax lien. They still found me $120K for my trucking company. I never thought that was possible."

Roberto A.
Trucking · Dallas, TX
Success stories

Businesses like yours,
already funded.

$520,000
Funded in 4 hours
Restaurant Group
Miami, FL

"Three locations, working capital across all of them, funded the same day we signed. What would have taken a bank months took Rnueva360 hours."

Revenue-Based24 months
$88,000
Credit score 580
Auto Repair Shop
Phoenix, AZ

"Three sources declined because of a past credit issue. Rnueva360 looked at my actual revenue — $45K/month for 3 years — and approved me in one day."

Revenue-Based12 months
Partner program

Earn by connecting
businesses with capital.

Business owners, consultants, accountants, real estate professionals — anyone in the business community can earn real commissions through our partner portal.

Real-time
Deal tracking
$0
Cost to join
Bilingual
Support included
Register as partner
Contact

Have a question?
We are here.

Our bilingual team is available Monday through Friday. For faster responses reach us directly on WhatsApp.

Send us a message

For questions not related to funding applications. We respond within 1 business day.

We respond within 1 business day. English and Spanish.

Message sent

We will get back to you within 1 business day.

Ready to access capital?

Start in under 1 minute. No hard credit pull. No bank. Our bilingual team accompanies you through every step.

All services

A complete financial platform
for every stage of your business.

Whether you are looking for capital, want to strengthen your credit profile, optimize costs, or leverage existing assets — we have a solution.

Capital solutions

Funding products

Revenue-Based Advance
$5K to $2M · Approval in 24 to 48 hours

The most flexible form of business capital. Your approved amount is based on your actual monthly revenue, and repayment is structured as a percentage of your daily or weekly sales — so payments move with your business, not against it. Designed for businesses with consistent revenue that need fast access to capital without bank restrictions.

  • All credit types considered including scores below 600
  • Approval and funding possible within the same business day
  • No fixed monthly payment — adjusts to your revenue
  • Minimum 6 months in business and $15K monthly revenue
Business Term Loan
$10K to $5M · Up to 60 months

Structured financing with fixed payments over a set period. Ideal when you have a specific use for the capital and want predictability in your monthly obligations. Term loans help you build business credit and are suitable for larger investments like expansion, equipment, or operational scaling.

  • Fixed monthly payments for full predictability
  • Terms from 6 months to 60 months
  • Helps build business credit history
  • Competitive rates based on business profile
HELOC Program
$25K to $1M · Home or commercial equity

A Home Equity Line of Credit allows you to leverage the equity built in your residential or commercial property to access business capital at significantly lower rates than unsecured business products. If you own property with equity, this can be one of the most cost-effective ways to fund your business.

  • Lower rates than most unsecured business products
  • Access to larger amounts based on property equity
  • Flexible revolving credit line
  • Available for residential and commercial properties
Equipment Finance
$10K to $2M · Up to 84 months · Equipment as collateral

Acquire the equipment, vehicles, machinery, or technology your business needs without depleting your working capital. The purchased equipment serves as its own collateral — meaning no additional assets or personal guarantees are required in most cases. Structured with terms up to 84 months to keep payments manageable.

  • The equipment itself serves as collateral
  • Terms up to 84 months for lower monthly payments
  • Covers vehicles, machinery, technology, and more
  • New and used equipment both eligible
Invoice Factoring
$25K to $5M · Convert receivables to immediate cash

If your business operates on net-30, net-60, or net-90 payment terms, invoice factoring eliminates the wait. You convert your outstanding invoices into immediate cash at a small discount. This is not a loan — you are simply accelerating the collection of money already owed to you. Ideal for construction, logistics, staffing, healthcare billing, and government contractors.

  • Not a loan — no debt added to your balance sheet
  • Receive up to 90% of the invoice value immediately
  • Approval based on your clients' credit, not yours
  • Scales with your business as invoices grow
Financial services

Strengthen your
financial profile.

Credit Profile Improvement
Up to 150 point increase · Personal and business credit

Our consultation identifies exactly what is affecting your score and provides a structured action plan to improve it within months. A higher score means access to better capital terms in the future.

  • Full personal and business credit profile review
  • Structured action plan with specific steps and timelines
  • Potential score increase of 50 to 150 points
Authorized Tradeline Access
Add up to 30 years of credit history · Up to 30 point increase

One of the fastest ways to improve your credit score. When added to an account with a long positive history and low utilization, that history becomes part of your credit profile — often resulting in a meaningful score improvement within 30 to 60 days.

  • Accounts with up to 30 years of positive history
  • Score improvement visible within 30 to 60 days
  • Available for thin file and low score profiles
Payment Processing Optimization
Reduce processing costs · 0% cost models available

Many business owners are overpaying on credit card processing without knowing it. We evaluate your current setup and identify solutions that can eliminate or significantly reduce your costs — including dual pricing programs that pass the processing fee to customers who choose to pay by card.

  • Free evaluation of your current processing setup
  • 0% cost models available through dual pricing
  • For businesses of all sizes including mobile vendors
Bank Debt Reduction Advisory
Reduce monthly payments by up to 50%

If you are carrying high-interest debt and struggling to keep up with payments, there are structured approaches you can use — without damaging your credit — to negotiate better terms or reduce the total obligation. Our advisory teaches you the strategies so you can execute them yourself.

  • Strategies to reduce monthly obligations by up to 50%
  • Protect your credit score during the process
  • Works with personal and business bank debt
For independent professionals

Capital options for
self-employed workers.

Freelancers, contractors, 1099 workers, real estate agents, independent beauty and wellness professionals, and gig workers all have access to specific solutions at Rnueva360.

$250K
Personal credit access

Strong personal credit profile? Access up to $250K through personal credit products. No business registration required.

$45K
Fast access for all income levels

Through our partner network, independent workers with limited business history can be evaluated for up to $45K based on personal bank activity.

150 pts
Build your profile first

Not qualifying today does not mean never. Our credit program helps you build the profile needed to access larger amounts in the near future.

Need something specific?

Talk to our team.

If you need a service not listed here, or want to know which option fits your situation, send us a message. We respond within 1 business day in English and Spanish.

Message sent

We will contact you within 1 business day.

Success stories

Real businesses.
Real capital. Real results.

These are the businesses behind the numbers. Different industries, different cities, different challenges — all connected to the right capital through Rnueva360.

$520,000
Funded in 4 hours
Restaurant Group
Miami, FL

"We were managing three locations and needed working capital across all of them quickly. Rnueva360 structured the entire deal and had the funds distributed within the same day we signed. What would have taken a bank months took them hours."

Revenue-Based24 monthsFunded in 4h
$250,000
Funded in 48 hours
Insurance Agency
Orlando, FL

"I needed capital to expand to two new offices before the renewal season. Three lenders declined because my revenue was seasonal. Rnueva360 understood the business model and found the right match. Best decision I made that year."

Term Loan18 monthsFunded in 48h
$185,000
Same day
Medical Spa
Houston, TX

"I was launching a second location and needed equipment and build-out capital simultaneously. Rnueva360 coordinated both in one process. My credit score was 620 and they still found me excellent options."

Equipment FinanceRevenue-BasedSame day
$340,000
Funded in 6 hours
General Contractor
Dallas, TX

"I won a government contract and needed to purchase materials before the work could begin. Invoice factoring was the perfect fit — I used my future receivables to fund the project upfront. Rnueva360 explained everything in Spanish which made all the difference."

Invoice FactoringGovernment ContractFunded in 6h
$88,000
Funded in 24 hours
Auto Repair Shop
Phoenix, AZ

"Three sources said no because of a personal credit issue from 5 years ago. Rnueva360 looked at my actual business performance — $45K per month consistently for 3 years — and got me approved in one day. I added two more bays and hired two technicians."

Revenue-Based12 monthsCredit 580
$62,000
Funded in 8 hours
Beauty Salon
New York, NY

"I wanted to renovate my salon completely. Rnueva360 covered the capital and the renovation took three weeks. My revenue jumped 40% within 60 days of reopening. The process was fast and everything was explained clearly from start to finish."

Term Loan24 monthsFunded in 8h

Your story starts here.

Join the 1,000+ businesses that have accessed capital through Rnueva360. Start in under 1 minute.

Rnueva360

Business funding platform. 75+ private lenders. Up to $5M. As fast as 4 hours. English and Spanish.

Rnueva360 is a business funding consulting and technology platform. We are not a bank, lender, credit union, or financial institution. All capital solutions are provided by independent third-party lenders and financial partners. Funding is subject to lender approval, underwriting criteria, and applicable state and federal regulations. Approval amounts, terms, and availability vary by lender, applicant profile, and jurisdiction. Applying does not guarantee approval or funding. Credit improvement results vary by individual profile and are not guaranteed. All information is kept strictly confidential and is never sold to third parties.

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