Funding products

Three ways to fund,
one file

Every product is underwritten the same way: on your real revenue, from one connected file. Pick the structure that fits the job.

Check your rate See how it works

Funding thousands of businesses

The products

Capital that
matches how you operate

Merchant Cash AdvanceFlexible capital for day-to-day operations and unexpected needs. Repaid from a share of daily sales.$10K – $5M
Working CapitalFunding sized to your revenue. Built for operators who need capital moving this week, not this quarter.$10K – $5M
Term LoansFixed payments for planned moves: equipment, expansion, acquisition.$10K – $5M

Side by side

Compare the structures

	Merchant Cash Advance	Working Capital	Term Loan
Best for	Uneven cash flow, fast needs	Growth spend, inventory, payroll gaps	Planned purchases, expansion
Amount	$10K – $5M	$10K – $5M	$10K – $5M
Repayment	% of daily or weekly sales	Fixed daily or weekly	Fixed monthly
Term	3 – 18 months	6 – 24 months	1 – 5 years
Speed to fund	Same day	Same day	1 – 3 days
Structure	Purchase of receivables	Business financing	Business loan
Credit check to see terms	None	None	None
	Check your rate	Check your rate	Check your rate

Terms are illustrative ranges. Your offer depends on revenue, time in business, and lending partner.

Not sure which?

We'll tell you which fits

Connect your accounts and we show you every structure you qualify for, side by side, with total cost in plain numbers. You choose. No pressure, no callbacks.

Check your rate

Every product includes

What comes
with every offer

One connected file — no re-applying per product
Same-day decisions on most applications
Plain-number terms: total payback, schedule, effective cost
No hard credit pull to see offers
A named advisor over $250K
Renewals and add-ons from the same dashboard

FAQ

Questions, answered plainly

Is Tovah a lender?

No. Tovah is the platform. We connect to your accounts, underwrite your business, and present offers from our lending partners. The partner funds; your relationship and your file stay with Tovah.

What do I need to qualify?

Typically 6+ months in business, $10K+ in monthly revenue, and a business bank account we can connect to. Terms vary by product and partner.

How much can I get?

$10,000 to $5,000,000, depending on revenue, product, and partner.

Can I have more than one product?

Yes, when your file supports it. Every product runs from the same connected file, so adding one doesn't mean re-applying.