Capital that moves with your revenue.
Funding up to $2M for U.S. small businesses, repaid as a share of what you bring in — so the payment follows the month you actually had. We take your file to the funding partners that fit it.
Treehouse Financial is not a lender. We arrange financing through third-party funding partners. All approvals, terms, and funding come from the funding partner, not from Treehouse.
- Funding amount
- Up to $2M
- Monthly revenue
- $20,000minimum
- Time in business
- 6 monthsminimum
- Where we work
- United States
Check yourself against this.
Every funding partner sets its own criteria, so nothing here is a guarantee. It is what they typically look for, and it is enough to tell you whether a conversation is worth having.
- Time in business6 months or more
- Monthly revenue$20,000 or more
- Business bank accountU.S. business checking account
- Credit profileNo minimum credit score
Funding partners weigh revenue and deposit history first, and challenged credit is regularly placed.
Industries we generally cannot place
Funding partners decline some industries outright. If your business is in one of these, we most likely cannot place the file — ask us before you spend time on an application.
- —Cannabis, CBD, and related products
- —Firearms, ammunition, and weapons
- —Adult entertainment
- —Gambling, gaming, and betting
- —Cryptocurrency and digital asset trading
- —Payday lending, debt collection, debt settlement, and credit repair
- —Multi-level marketing and direct sales programs
- —Speculative real estate investment and property flipping
- —Non-profits and charitable organizations
- —Businesses operating outside the United States
Proposed list — still to be reconciled against funding partner guidelines.
What happens after you apply.
- 01
Tell us about the business
A short conversation about what you do, what the capital is for, and how the business is performing. No cost to start.
- 02
Same day
We package your file
We pull together what a funder needs to make a decision and tell you upfront if something is missing.
- 03
1–2 business days
We take it to the right funders
Your file goes to the funding partners whose criteria actually fit your business, rather than to whoever is closest to hand.
- 04
Often within a few business days
You review terms and get funded
Offers come back with the amount, the total cost, and the remittance in writing. Once you sign, the funding partner disburses and services the advance. Remittance runs daily, weekly, or monthly depending on how the deal is structured.
Put it where it earns.
Inventory
Buy deeper ahead of a season or take a supplier's volume price.
Payroll
Cover the gap when receivables land after the people who earned them.
Equipment
Put a machine, vehicle, or build-out to work without draining reserves.
New location
Fund the deposit, the fit-out, and the first months of a second site.
Marketing
Fund a push while it is in front of you, not two quarters later.
Tax and one-offs
Clear a bill or an unplanned expense without stalling operations.
How it compares
| Revenue-based financing | Bank term loan | |
|---|---|---|
| Repayment | A set share of revenue, so it moves with sales | A fixed installment on a fixed date |
| Underwritten on | How the business is performing now | Collateral and credit history |
| Collateral | Typically none. A personal guarantee is common. | Typically required |
| Term | 3 to 24 months | Years |
| Who funds it | A third-party funding partner | The bank |
One person, the whole way through.
We take your file to the funders that fit
Treehouse is not a lender. We work with a range of funding partners and put your file in front of the ones whose criteria match your business, instead of squeezing it into a single lender's box.
One person, start to finish
The same person handles you from the first call through payoff. You are not repeating your story to a queue, and you are not being handed off once the file moves.
Terms in plain language
You see the amount, the total cost, and the remittance schedule in writing before you sign anything. Ask what a number means and you get a straight answer.
Tell us what you are building.
Send a short note about the business, roughly what you need, and what it is for. You will hear back from the person who reads the file.
- Encrypted submissionEverything you send goes over an encrypted connection.
- We never sell your dataWe do not sell or rent your information for marketing. Phone numbers are never shared for marketing.
- Texting is optionalConsent to receive texts is not a condition of applying for or receiving funding.
- Shared only to place your fileYour information goes to funding partners and underwriters only as needed to evaluate and service your request.
Treehouse Financial is not a lender. We arrange financing through third-party funding partners. All approvals, terms, and funding come from the funding partner, not from Treehouse.
How we are paid: Treehouse is compensated by the funding partner when a transaction closes. You do not pay Treehouse a separate fee.
Worth knowing first.
Is Treehouse a lender?
No. Treehouse Financial is not a lender and does not fund from its own balance sheet. We work with third-party funding partners and take your file to the ones that fit it. Approval, terms, and the money itself come from the funding partner, and your agreement is with them.
How does Treehouse get paid?
The funding partner does. Treehouse earns a commission from the funder when a transaction closes, and you do not pay Treehouse a separate fee for arranging the financing. You will know the arrangement before you sign anything.
What is revenue-based financing?
You receive a lump sum of capital now and repay it as a set share of the revenue the business brings in. When sales run strong the remittance is larger; when they soften it is smaller. There is no fixed monthly payment that ignores how the month actually went.
How is it different from a bank loan?
A bank loan is a fixed obligation on a fixed schedule, underwritten largely on collateral and credit history. Revenue-based financing is underwritten on the performance of the business and repaid as a share of what it earns. It is a different instrument, not a cheaper version of the same one.
What do I need to qualify?
A U.S. business with consistent revenue, at least $20,000 in monthly revenue, and at least 6 months in operation. Funding runs from $5,000 up to $2M depending on what the revenue supports. Each funding partner sets its own criteria, so the fit varies by file.
What does it cost?
The funding partner sets the pricing. Cost varies by funder, industry, revenue, time in business, and term. You see the amount, the total cost, and the remittance in writing before you sign anything.
How long does it take?
Often within a few business days once the file is complete. Getting bank statements over quickly is usually what determines the pace.
What kinds of businesses do you work with?
Most U.S. small businesses with steady revenue — trades, retail, restaurants, logistics, services, and light manufacturing among them. Some industries our funding partners will not consider at all; the list is above under Do you qualify.
Does applying affect my credit?
Starting an inquiry with Treehouse does not affect your credit. Funding partners may check credit as part of their review, and they will tell you before any hard inquiry is made.