Join 10,000+ Small Businesses Funding With SCP

Short-term working capital, used responsibly is one of the greatest financial tools a Small Business has available to it. Non-dilutive. Fuels growth.

Choose your best path forward

Responsible financing is not one size fits all. Explore your options with Simmons

Instant Working Capital

For businesses with 12 months of business history, doing $10,000+ per month in monthly revenue. Approvals are typically 70% of your 90 day monthly average.

Hyper Growth

For hyper-growth businesses with 12 months of business history, doing $100,000+ per month in monthly revenue. Non-dilutive growth financing.

Employee Retention Credit

Not financing. Not a loan. Work with our in-house team at SCP–Refunds to claim up to $26,000 per W2 employee your business retained during the pandemic. 3 Days to an Approval.

SCP Term Loan (Most Popular)

Use for investments in your business, such as expansion projects or large purchases. Get a one-time lump sum of cash upfront, with the option to apply for more when you’re halfway paid down. $20k-$1mm. Repayment terms up to 24 Months.

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A Private Banker For Every Type of Business

You don’t need to be an expert on small business loans. We’re well versed in every industry. Your dedicated, U.S. based loan advisor is available to help you every step of the way.

50 States. Every Industry (Almost)*.

From franchisees to medical offices. Non-profits to startups. New York to Hawaii. We have provided financing to just about every industry in all 50 states. 

Apply for an SCP Term Loan (Application)
“Thank you for the financing that allowed us to open our fourth Subway location. Your flexible approach, using revenue from our prior three locations as collateral, was invaluable. Obtaining the loan was a seamless process thanks to your attentive team. The new location is thriving and we appreciate the support you provided in making this expansion possible. We wouldn't be where we are today without your help.”

— Matt A. - Owner of 4 Subway Franchise Locations

Expansion Capital, Payroll, Materials, Equipment. Finance what you need.

Keep your businesses' ability to grow nimble.

Apply for capital
“The 18-month payback period was perfect for my needs, and I appreciated the flexibility you showed when I paid it down multiple times. Being able to renew the financing was a big help for growing my business.With your support, I was able to purchase inventory to expand my services and meet customer demands”

— Rodrigo L.

Qualify for more funding. Relationship Driven.

As you build your account history with SCP, you may be eligible to increase your funding threshold. Just reach out to your dedicated SCP Account Manager at any time for a line increase.

Connect With Your SCP Advisor

Fast, Easy, Practical


Simple applications. Soft pulls only. Eligibility is always primarily determined on business revenue and volume.



Approvals are typically provided within 1 business day of all submitted documents (usually bank statements and the 5 minute app).



We fund within hours of providing an Approval. No dragged out processes from approval to deposit.

"Your ability to advance funds against insurance claims that would normally take 90 days to receive has greatly improved our cash flow. This has allowed us to provide better care for our patients by investing in new equipment and hiring additional staff.”

— Dr. Alexis Fleming.

The only way is up

Learn how to use working capital to grow your business. It’s an art. We’ll help you master it

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