Nivira Capital provides fast, unsecured business funding from $50K to $500K. No collateral. No minimum time in business. All industries welcome.
Fill out our secure pre-qualification form in under 5 minutes with no credit pull. A dedicated Funding Specialist reaches out to discuss your goals and request supporting documents (ID, tax returns, credit report). Once received, a pre-approval is sent to you within 1 to 3 business days.
With all documents in hand, your specialist reviews your profile against our network of public and private lending institutions to secure the most competitive offers available. You review the terms and choose what works best for your business.
Tell us which offer you want to move forward with and we lock it in. Lender approvals come through within 1 to 5 business days. Once approved, funds are deposited directly into your bank account. No restrictions on how you use them.
*Actual timeline depends on how quickly supporting documents are provided by the client. Most clients are fully funded within 14 business days.
Individual results may vary. Funding approval is subject to lender qualifications and credit review.
You need a minimum personal credit score of 680 to qualify. If your score is below 680, you may still qualify with a co-signer who has a 680+ credit score. Pre-qualification has zero impact on your credit.
Most clients receive approval within 24 hours of submitting their application. Once approved, funds can be deposited into your account in as little as 7 days, depending on the lender and funding product.
No. All of our funding is 100% unsecured, no collateral required. We also have no minimum business revenue or time-in-business requirements. Startups with zero revenue are welcome to apply.
There are no restrictions on how you use the funds. Inventory, equipment, payroll, marketing, expansion, real estate, working capital, anything your business needs to start or grow.
No. Our pre-qualification process is a soft inquiry and has absolutely zero impact on your credit score. A hard pull only occurs once you've reviewed and accepted a funding offer from a lender.
Nivira Capital is a full-service unsecured lending consultancy. We connect business owners, from brand-new startups with zero revenue to established companies scaling to the next level, with the capital they need to succeed.
Through our established network of public and private commercial lending institutions, we've helped raise over $50 million for businesses across every industry. We don't look at collateral, time in business, or business revenue. We look at potential.
Whether you're launching a new venture, expanding locations, purchasing inventory, or investing in growth, Nivira Capital is your partner in building what's next.
Funding specialists respond within 24 hours. Approved clients can receive capital in as little as 7 days.
No mountains of paperwork. Our application takes under 5 minutes, and pre-qualification won't affect your credit.
Every client gets a dedicated Funding Specialist who understands your industry and matches you with the ideal lender.
Transparent terms, competitive rates, and no hidden fees. We succeed when your business succeeds.
Cash funding from $50K to $500K with no collateral required. Simple interest, fully amortized fixed monthly payments at competitive national bank rates. Use it for anything your business needs.
Access credit card lines up to $150,000 at 0% interest for 6 to 12 months. Perfect for managing cash flow, purchasing inventory, or covering operational expenses without high-interest debt.
Brand new business with no revenue? No problem. We specialize in startup capital for entrepreneurs ready to launch. No time-in-business requirement. If you have the credit, we can get you funded.
Ready to open a new location, hire more staff, or enter a new market? We connect seasoned business owners with the right lenders to fuel their next phase of growth.
We analyze your business industry, strengths, and financial profile to match you with the ideal public or private lending institution from our extensive network, ensuring you get the best terms possible.
Not sure if you qualify? Get pre-qualified with zero impact to your credit score. Our Funding Specialists will give you an honest assessment and clear next steps.
Hand-built, mobile-first websites tailored to your brand, not cookie-cutter templates. Clean design, fast load times, and built to convert visitors into paying customers.
Quote forms, booking systems, and call-to-action flows engineered to capture leads. Every page is built with one goal: getting potential customers to reach out.
We handle everything. Domain registration, hosting setup, SSL certificates, and ongoing maintenance. You focus on your business, we keep your site running.
Over 70% of your customers browse on their phone. Every site we build looks and works flawlessly on mobile. No pinching, no broken layouts, no lost leads.
Hand-built, mobile-first websites tailored to your brand, not cookie-cutter templates. Clean design, fast load times, and built to convert visitors into paying customers.
Quote forms, booking systems, and call-to-action flows engineered to capture leads. Every page is built with one goal: getting potential customers to reach out.
We handle everything. Domain registration, hosting setup, SSL certificates, and ongoing maintenance. You focus on your business, we keep your site running.
Over 70% of your customers browse on their phone. Every site we build looks and works flawlessly on mobile. No pinching, no broken layouts, no lost leads.
Google Business Profile, Search Console, schema markup, and sitemap. Everything needed to start ranking in local search results and get found by customers near you.
Need an update? New photos? A tweak to the design? We're always available. No retainers, no hourly charges for small changes. Your site stays current.
We learn your business, your customers, and your goals. What services do you offer? What makes you different?
Custom design from scratch. Your brand, your photos, your story. Built fast and built right.
Domain, hosting, SSL, SEO, Google Business. Everything configured and live. You start getting leads.
Refer a business owner to Nivira Capital. When they get funded, you earn. It's that simple. No experience in finance required. We handle everything from application to funding. You just make the connection.
Your clients buying businesses or investing in properties often need capital. Refer them and earn while helping them grow.
You already advise business owners on finances. Add funding referrals as a natural extension of your services.
If you work with entrepreneurs and business owners, many of them need capital. Monetize those connections.
No professional background required. If you know business owners who need funding, you can earn with Nivira Capital.
Apply for $50K–$500K in unsecured business funding with no impact to your credit score. A pre-qualification fee may apply depending on your funding profile.
Earn competitive commissions by referring businesses to Nivira Capital. No experience needed.
Effective Date: April 21, 2026
Nivira Capital ("we," "us," or "our") is committed to protecting your personal information. This Privacy Policy explains how we collect, use, and safeguard the information you provide when you visit niviracapital.com or submit an application.
We may collect the following information when you submit a form or interact with our site:
We do not sell your personal information. We may share your information with our network of private and institutional lenders solely for the purpose of evaluating your funding request. All partners are required to handle your data in accordance with applicable privacy laws.
We use cookies and third-party analytics tools (such as Google Analytics) to understand how visitors use our site. You may disable cookies in your browser settings, though some site features may not function properly.
We implement industry-standard security measures to protect your information. However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.
You have the right to request access to, correction of, or deletion of your personal information. To exercise these rights, contact us at info@niviracapital.com.
We reserve the right to update this Privacy Policy at any time. Changes will be posted on this page with an updated effective date.
For questions about this Privacy Policy, contact us at info@niviracapital.com.
Effective Date: April 21, 2026
By accessing or using niviracapital.com, you agree to be bound by these Terms of Service. Please read them carefully before using our site or submitting any application.
Nivira Capital is a lending consultancy that connects business owners with potential funding sources. We do not directly lend money. We act as an intermediary between applicants and a network of private and institutional lenders. Approval and terms are determined solely by the lender.
You must be at least 18 years of age and a legal resident of the United States to use our services. By submitting an application, you represent that all information provided is accurate, complete, and current.
Submission of an application does not guarantee approval or funding. Nivira Capital makes no representations or warranties regarding the availability, terms, or approval of any funding offer. All lending decisions are made at the sole discretion of the lender.
Nivira Capital may charge a pre-qualification or consulting fee as disclosed during the application process. Any such fees will be clearly communicated before you are charged. Lenders may have their own fees, rates, and terms which are independent of Nivira Capital.
All content on this website, including text, graphics, logos, and design, is the property of Nivira Capital and is protected by applicable copyright and trademark laws. Unauthorized use is prohibited.
Nivira Capital shall not be liable for any indirect, incidental, or consequential damages arising from your use of this site or reliance on any information provided. Our total liability shall not exceed any fees paid to us in connection with a specific transaction.
Our site may contain links to third-party websites. We are not responsible for the content or privacy practices of those sites and encourage you to review their policies.
These Terms shall be governed by the laws of the State of Illinois, without regard to conflict of law principles.
We reserve the right to modify these Terms at any time. Continued use of the site after changes constitutes acceptance of the updated Terms.
For questions regarding these Terms, contact us at info@niviracapital.com.