Capital for the business you're building next.
Working capital, credit lines, term loans, and equipment financing. Tell me about your business once, and I'll shop it to multiple funding partners so you can compare real options side by side.
Four ways to fund your business
Each program fits a different need. I'll help you figure out which one makes sense before you commit to anything.
Working Capital
Fast funding based on your business's monthly sales, not just your credit score.
- Funding in as little as 24–48 hours
- Repaid from future revenue
Line of Credit
A reusable credit line you draw from when you need it. Pay interest only on what you use.
- Draw, repay, draw again
- Good for ongoing expenses
Term Loan
One lump sum with a fixed repayment schedule, for bigger moves and planned growth.
- Predictable payments
- Longer repayment terms
Equipment Financing
Finance machinery, vehicles, or technology. The equipment itself secures the deal.
- Keep your cash free
- Easier approval for newer businesses
What could your business qualify for?
Move the slider and pick your answers. This is a rough ballpark, not an application, and it doesn't touch your credit.
Your estimated ranges
Based on what you entered
Estimates only. Actual amounts, rates, and terms are set by each funding partner after review.
Get My Real Options →Simple from start to funded
Tell me about your business
A short form with your revenue, time in business, and what the money is for. It takes about five minutes.
Compare your offers
I send your file to multiple funding partners and walk you through the offers that come back, in plain English.
Pick one and get funded
You choose the offer that fits. Once the lender finalizes approval, funds go straight to your business account.
Hi, I'm Joel Charles.
I've spent years working with business owners on the numbers behind their companies, through tax preparation, bookkeeping, and mortgage and commercial lending. I started JNC Funding because I kept seeing good businesses held back by one thing: access to capital.
You'll work with me directly, not a call center. I'll tell you honestly which options make sense, which ones don't, and what each one will really cost you.
I speak English, French, and Haitian Creole.
Common questions
Are you a lender?
No. JNC Funding is a business funding advisor. I work with a network of funding partners and help you find and compare the programs that fit your business.
Will checking my options hurt my credit?
No. Using the estimate and talking with me doesn't pull your credit. If you decide to move forward with a specific lender, that lender may run its own credit check.
How fast can I get funded?
Working capital can fund in as little as 24–48 hours after approval. Term loans and equipment financing usually take a few days to a couple of weeks.
What documents will I need?
Usually your last 3–4 months of business bank statements, a driver's license, and basic business information. Larger requests may need tax returns.
Can I qualify with less-than-perfect credit?
Often, yes. Some programs look mainly at your business revenue rather than your credit score. We'll see what's available for your situation.
Does it cost anything to apply?
No. There's no fee to apply or to review your options with me.
Let's find your funding.
Fill out the form and I'll reach out within one business day. Prefer to talk now? Call or text me directly.