Extra
AI-powered underwriting deploys flexible funding from $5K to $5M — in hours, not weeks.
AI-driven lending, built for modern small business.
Decisions and funding in hours.
$5K to $5M. All 50 states. One partner.
What Sets Us Apart
AI-Driven Decisioning
Decisions and funding delivered in hours — powered by AI underwriting that never sleeps
Transparent by Design
Every fee, rate, and term disclosed upfront before you commit
Flexible Structures
Six distinct funding products tailored to different business needs and stages
Nationwide Reach
Serving businesses in all 50 states across virtually every industry
Dedicated Advisors
A real person guiding you from application through funding and beyond
No Hidden Fees
No application fees, no prepayment penalties, no surprises
Trusted by businesses powered by
What We Offer
Funding solutions built for how you operate
Six distinct capital products, each designed for a specific stage and need of your business.
Working Capital
Access cash to cover daily operations, manage payroll, and maintain momentum. Fast deployment with flexible terms.
Line of Credit
Draw funds as needed. Only pay interest on what you use with a revolving credit facility.
Equipment Financing
Acquire the equipment your business needs with affordable monthly payments and fixed rates.
Revenue-Based Financing
Repayments flex with your revenue. Pay more when business is strong, less when it slows.
Invoice Factoring
Turn outstanding invoices into immediate capital. Same-day funding available.
Commercial Real Estate
Finance property purchases or renovations with competitive long-term rates.
Working Capital
Fuel your operations.
Capital deployed when you need it most
Access the cash you need to cover daily operations, manage payroll, purchase inventory, and maintain momentum through your busiest growth phases. No collateral required for most applicants.
Fixed daily or weekly repayment options with no prepayment penalties. Transparent terms from day one.
Apply nowEquipment Financing
Build your arsenal.
Affordable payments, competitive fixed rates
Acquire the equipment your business needs with monthly payments designed to preserve cash flow. The equipment itself serves as collateral, keeping your other assets unencumbered.
Tax-deductible payments under Section 179. New and used equipment eligible. Flexible terms available.
Learn moreRevenue-Based Financing
Grow on your terms.
Payments that flex with your revenue
When business is strong, you pay more. When it slows, you pay less. Ideal for seasonal or high-growth businesses that need capital without rigid payment structures.
No personal guarantee required. No fixed monthly payments. Flexible capital with fast approval.
Get started
How It Works
From application to funded in four steps
AI does the heavy lifting so you can focus on running your business, not chasing paperwork.
Apply
Complete our streamlined application in minutes. We use a soft credit check — no impact to your score, no paperwork headaches.
Review
AI models score your business in real time across dozens of signals — not just a credit number. We match you with the optimal funding structure in minutes.
Approve
Review your offer with clear, honest pricing. Every fee and term is disclosed upfront. Accept on your timeline — no pressure.
Fund
Capital deposited directly into your business account. Fast turnaround so you can put funds to work when it matters most.
Who We Serve
Capital for businesses across every industry
From corner shops to growing enterprises, we provide tailored funding solutions for the businesses that power the economy. If you have revenue and a need for capital, we can help.
Retail & E-Commerce
Inventory purchasing, seasonal cash flow management, and expansion capital for brick-and-mortar and online retailers.
Restaurants & Hospitality
Equipment upgrades, renovation financing, and working capital to manage the ebb and flow of hospitality operations.
Construction & Trades
Equipment financing, project-based capital, and bridge funding to keep jobs moving between milestones.
Healthcare & Medical
Practice expansion, equipment acquisition, and accounts receivable financing for medical professionals.
Transportation & Logistics
Fleet expansion, vehicle financing, and working capital to manage fuel costs and seasonal demand shifts.
Professional Services
Growth capital, hiring support, and cash flow management for agencies, consultancies, and service firms.
Why Extra
A better way to fund your business
Traditional lending is broken for small businesses. Banks take weeks, require mountains of paperwork, and often say no. Alternative lenders hide fees in complex structures.
We built Extra to fix this — pairing AI-powered underwriting with a modern, frictionless experience. The result is fast, fair, transparent capital deployed in hours, not weeks.
AI-Powered Underwriting
Our proprietary AI models analyze your business in real time, delivering decisions and funding in hours — not weeks. We respect your time because every day without capital is missed opportunity.
Radically Transparent
No hidden fees. No complex structures designed to obscure the true cost. Every term is disclosed upfront in plain language before you commit to anything.
Advisor-Led Experience
You're never navigating this alone. Every client is paired with a dedicated funding advisor who understands your industry and works with you from application through the life of your funding.
Responsible Lending
We underwrite carefully because we want our clients to succeed. We'll never offer funding that doesn't make sense for your business — even if it means recommending a smaller amount.
Client Voices
Trusted by business owners across the country
“The process was remarkably smooth — our advisor was available at every step and the terms were clear from the start. No surprises, just straightforward capital.
“We tried three banks before finding Extra. They moved faster than everyone else and took the time to understand our business instead of just running a credit check.
“The revenue-based model was exactly what we needed. Payments that adjust with our seasonal business meant we never felt squeezed during slow months.
FAQ
Common questions
Everything you need to know about getting funded with Extra.
Ready to move forward?
Apply in minutes. No impact to your credit score. A funding advisor will review your application and reach out to discuss the best options for your business.