Nivira Capital provides fast, unsecured business funding from $50K to $500K. No collateral. No minimum time in business. All industries welcome.
Fill out our simple, secure application in under 5 minutes. Pre-qualification with no impact to your credit score.
A dedicated Funding Specialist reviews your profile and matches you with the best lenders from our established network.
Receive approval and funding terms within 24 hours. Funds deposited directly into your account in as little as 7 days.
Use your capital however you need — inventory, equipment, payroll, expansion, marketing. No restrictions on use.
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.
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.
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