Compare

Tovah vs.
your bank

If your bank will lend to you at bank rates, take it. Here's what happens when they won't, or won't in time.

Side by side

	Bank loan	Tovah
Cost	Usually lower	Higher; priced on revenue and term
Time to fund	Weeks to months	Same day on approved deals
Documentation	Tax returns, financials, projections	A connected bank account to start
Collateral	Often required	Often not required
Credit requirements	Strict	Revenue matters more than score
Amounts	Wide range	$10K–$5M
Flexibility	Fixed products	Advance, working capital, or term loan
Best for	Planned, patient borrowing	Speed, and files banks decline

Last reviewed: September 2026.

Honest close

Banks are cheaper. Tovah is faster, more likely to say yes, and doesn't need three years of tax returns. Many operators use both.

Connect your accounts and see your real offers in minutes. Up to $5 million, funded the same day.