Funding that keeps your business moving
Snifi helps small-business owners find working capital and lines of credit without the runaround. Tell us what you need, and Harmony will walk you through your options personally.
Free and no obligation. Filling out our form doesn’t affect your credit.
Ways we can help
Revenue-based financing
Working capital based on your sales, repaid automatically as you earn. Built for businesses that need cash quickly for inventory, repairs, payroll or growth.
Business line of credit
A revolving line you can draw on when you need it, paying only on what you use. A good fit for established businesses with steady sales.
Invoice factoring
If you bill other businesses, turn unpaid invoices into cash now instead of waiting 30 to 90 days to get paid.
How it works
1. Tell us about your business
A short form: what you do, how long you’ve been open, and roughly what you bring in each month. It takes about two minutes.
2. Talk with Harmony
Harmony reaches out within one business day to learn what you need and which options make sense for your business.
3. Review your offers
You complete a secure online application with our funding partners. Any offers come straight to you, and you decide whether to accept.
Who we work with
Owners of all kinds of small businesses, including:
- Vending machine operators
- Pressure washing and exterior cleaning companies
- Bakeries
- Salons, spas and beauty businesses
- Couriers and delivery services
Most businesses need at least four months in business and about $3,000 or more in monthly revenue to qualify. Have a few recent business bank statements handy.
Common questions
Will this affect my credit?
Filling out our form doesn’t. Some funding partners check credit during their application, and we’ll tell you what to expect before you apply.
Do I need good credit?
Not always. For many options, your monthly revenue matters as much as your credit score.
What does it cost?
It depends on your business, the amount and the term. Fast funding usually costs more than a bank loan, so we’ll help you understand the total cost before you sign anything.
How long does it take?
It varies by business. Once your application and documents are in, decisions often come within a few business days, and sometimes sooner.
Is Snifi a lender?
No. Snifi connects business owners with funding partners. Approval, amounts and terms are set by the funding partner and vary by business.
Ready to see what’s possible?
It takes two minutes, and there’s no obligation.