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Business loans & funding

Working capital without the bank runaround

Croft helps you secure funding without red tape. Apply through our trusted partner Omega Bank Card Services — you'll be redirected to a secure application that won't affect your credit score.

Small business owner reviewing finances and growth plans

24 hrs

Typical approval window

0

Hard credit pulls to apply

1

Simple online application

You'll be redirected to our secure Omega application. Applying will not affect your credit score.

Why apply here

Fast, flexible funding for real businesses

Skip lengthy bank forms and long waiting periods. Get matched with working capital built for how small businesses actually operate.

No credit impact to apply

Checking your options does not require a hard credit pull.

Fast decisions

Many businesses receive offers the same day they apply.

Flexible repayment

Repayment is tied to your sales volume — pay more when business is strong.

Transparent terms

No upfront fees. Review your offer before you accept.

Put capital to work

Use funds where your business needs them

Inventory, payroll, equipment, marketing — you decide how to grow.

Stock up on inventory

Buy ahead of busy seasons and keep shelves full without draining cash reserves.

Upgrade equipment

Replace aging tools, add a second register, or invest in kitchen or shop upgrades.

Cover payroll & hiring

Bridge a slow week, bring on seasonal staff, or invest in the people who run your business.

Fuel marketing

Launch campaigns, refresh signage, or fund promotions that drive new customers.

What you need

Simple requirements, straightforward process

Most owners complete the application in a few minutes. Final approval depends on your business profile and the funding provider's criteria.

  • Active U.S. business with regular revenue
  • Business bank account for deposits
  • A few minutes to complete the secure online form
  • Final eligibility and terms set by the funding provider

Payment processing and POS programs are delivered through our partnership with Omega Bank Card Services, with Croft as your local team from quote to go-live.

Business owner reviewing revenue and funding options on a laptop
How it works

From application to deposit

Three steps — most of the work is just telling us about your business.

  1. 1

    Apply in minutes

    Share a few details about your business. No hard credit pull and no stacks of paperwork.

  2. 2

    Review real offers

    Get matched with funding options you can actually accept — many approvals land the same day.

  3. 3

    Receive funds fast

    Once you accept, deposits typically arrive within 24–48 hours. Repayment flexes with daily sales.

Apply now

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Pick your path

Two ways to fund your business

Not sure which program fits? Start with the open application, or explore Clover Capital if you already process on Clover.

This page

Business loans & funding

Open online application for working capital through Omega Bank Card Services. Best if you want a fast, credit-safe path without needing a Clover invite.

  • Apply in minutes online
  • No hard credit pull to check options
  • Funds in as little as 24–48 hours
Apply now
Clover merchants

Clover Capital

Merchant cash advance based on your Clover card sales. Offers appear in your Clover Dashboard when eligible.

  • Based on Clover processing history
  • Repayment flexes with daily sales
  • No personal guarantee
Explore Clover Capital
Why Croft

More than a funding link

We're your local partner before, during, and after you apply — with processing, POS, and growth tools under one roof.

Real support

Talk to people at Croft who know small business — not a faceless portal.

Built for speed

Skip bank timelines. Get from application to funded in as little as a day.

Trusted platform

Funding is delivered through Omega Bank Card Services's partner network — serious infrastructure, not empty promises.

Clear disclosures

See terms before you commit. Croft is your guide; the provider sets offer details.

Ready to fuel your growth?

Apply today and get funded in as little as 24 hours. No hard credit check. No bank delays.

Frequently asked questions

Will applying affect my credit score?
Applying through our secure partner application does not require a hard credit pull to check your options. Specific terms depend on the offer you receive and accept.
How quickly can I get funded?
Many businesses receive approval the same day they apply. After you accept an offer, funds are typically deposited within 24–48 hours, subject to provider processing and your bank.
What can I use the funds for?
Working capital is meant for business purposes — inventory, equipment, payroll, marketing, renovations, or other operational needs. Use it where your business needs it most.
How does repayment work?
Most offers use a percentage of daily card sales, so payments flex with your revenue. The exact structure is disclosed when you review your offer before accepting.
Is Croft the lender?
No. Croft Business Solutions connects you to funding through Omega Bank Card Services and Fundomate. Croft is not a lender; offers, rates, and eligibility are determined by the funding provider.
How is this different from Clover Capital?
Business loans through this program are open to a broad range of merchants via our online application. Clover Capital is a separate program for qualified Clover merchants, with offers inside the Clover Dashboard. If you process on Clover, you may qualify for both — compare what fits your situation.

Powered by Omega Bank Card Services · Funded by Fundomate. Funding offers, terms, and eligibility are determined by the funding provider. Croft Business Solutions is not a lender.