K Keyquest Funding
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Approved in hours · Funded same-day

The key to capital, already on the table.

Since 2014 we've placed $2.4B with operators who couldn't wait six weeks for a bank decision. Nine financing products, twenty-three lending partners, one application — and an underwriter who actually picks up the phone.

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$2.4Boriginated since 2014
28,400+businesses funded
18 hrsmedian time to wire
4.9 / 51,847 verified reviews
$2.4B
Total capital originated
28,400+
SMBs funded since 2014
94.2%
Approval rate after pre-qual
18hrs
Median wire time
The catalog

Nine products, one application.

Whether you need to bridge payroll on Friday or buy the building you've been leasing for ten years, there's a structure here that fits.

// 01 — Short-term

Daybreak Advance

Revenue-based capital with daily or weekly remits. Funds clear before the next morning's deposit settles.

Range
$5K — $500K
Term
3 — 18 mo
Speed
24 hrs
FICO floor
500
// 02 — Term loan

Cornerstone Term

Fixed-rate amortizing loan for businesses ready to plant a flag. Predictable payments, no surprises.

Range
$25K — $2M
Term
12 — 60 mo
APR
from 8.9%
FICO floor
660
// 03 — Revolving

Open Vault Line

Draw-as-you-need credit line. Pay interest only on what's outstanding. Replenishes as you repay.

Range
$10K — $1M
Draw fee
1.5 — 2.5%
Speed
48 hrs
FICO floor
625
// 04 — Bridge

Lightning Bridge

Asset-collateralized bridge for acquisitions, real estate take-out, or buying out a partner before close.

Range
$50K — $5M
Term
1 — 24 mo
Speed
5 — 10 days
LTV
up to 75%
// 05 — SBA Preferred

Steel Beam SBA 7(a)

Long-term, low-rate capital backed by the Small Business Administration. We are an SBA Preferred Lender Partner.

Range
$100K — $5M
Term
up to 25 yr
APR
Prime +2.75%
Down
10 — 15%
// 06 — Real estate

Foundation 504

Owner-occupied commercial real estate at a 25-year fixed rate. The reason your landlord retired early.

Range
$250K — $5.5M
Term
25 yr fixed
APR
from 6.4%
Down
10%
// 07 — Equipment

Axle Equipment Pro

100% LTV financing on rolling stock, kitchen lines, CNC machines, dental chairs. Section 179 friendly.

Range
$10K — $1.5M
Term
24 — 84 mo
APR
from 7.4%
LTV
up to 100%
// 08 — Receivables

Ledger Float

Invoice factoring for B2B and government contractors. We advance up to 95% of approved invoices, same day.

Range
$25K — $10M
Advance
up to 95%
Fee
0.5 — 3.5%
Speed
same day
// 09 — Asset-based

Ironwood Asset

Borrow against AR, inventory, and M&E for businesses with seasonality or high working-capital intensity.

Range
$250K — $10M
Term
revolving
APR
SOFR +3.5%
FICO floor
650
The story

Born from an underwriter who got tired of saying no.

Charlotte, NC · est. 2014

For seven years, Elena Marsh worked the workout desk at a regional bank in Charlotte. By 2013 she had read 4,800 declined SBA applications. Her conclusion was uncomfortable: roughly two-thirds of the businesses she'd turned away were sound — they just needed a different structure than the one her credit committee had a stamp for.

In April 2014 she launched Keyquest Funding from a co-working space on Tryon Street with a thesis on the wall: the right key already exists in the credit market — the quest is finding it before the opportunity moves on. The first ten loans went to a Charlotte staffing firm, a Greensboro HVAC contractor, and eight others her old bank had passed on. Nine of the ten paid in full and renewed.

Today Keyquest operates as a direct lender on its own balance sheet and as a brokerage with twenty-three institutional capital partners — meaning when one passes, we already know which two others will say yes.

Find out what you qualify for in under three minutes.

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