Term Loans
A lump sum repaid over a fixed schedule. Ideal for expansion, equipment, hiring, or consolidating higher-cost debt.
- Fixed, predictable payments
- Up to $500,000+
- Terms tailored to your cash flow
Your company's funding partner
Small business funding, simplified.
Apply for fast, flexible funding from $5,000 to $500,000+. No hard credit pulls, decisions in 24–48 hours, and money in your account in as little as a day.
Continues to our secure application portal · 10 min · Talk to an advisor
- ✓ No obligation
- ✓ No hard credit pull
- ✓ Pay only after funding
Example offer ● Ready
Funding available $150,000
Illustrative example. Your real offer depends on underwriting.
Decision24–48 hrs
Funds in< 24 hrs
Credit impactNone
Fee2–5% after funding
PrestaYa USA, a brand of Edge Business Advisors LLC · Clovis, New Mexico
- No hard credit pull
- Secure connection (SSL)
- Helped by a real advisor
Simple by design
Funding in three easy steps
From application to deposit, we keep it fast, transparent, and built around your business.
- 01
Apply online in minutes
Complete a short application in under 10 minutes. Tell us about your business and what you need — no lengthy paperwork.
- 02
Get a pre-qualified offer
We review your application and bank statements, usually within 24 hours. No hard credit pull to see your options.
- 03
Accept & get funded
Pick the offer that fits your cash flow, e-sign, and receive funds in as little as 24 hours. You only pay our fee after funding.
Start my application
No obligation · No hard credit pull · Pay only after funding
Our products
Funding that fits how you grow
Different businesses need different capital. We match you to the structure that works for your cash flow.
Revenue-Based Financing
Funding that flexes with your sales. Repay a small percentage of revenue — more when you're busy, less when you're slow.
- Payments scale with revenue
- Great for seasonal businesses
- Fast, flexible access
Working Capital
Bridge gaps, cover payroll, buy inventory, or seize a growth opportunity — capital ready when you need it most.
- Cover day-to-day operations
- Smooth out cash-flow gaps
- Re-apply as you grow
Industries we serve
Funding for the industries you know best
We understand your business. We fund the trades where hardworking, Latino-owned businesses grow fastest across the U.S. Don't see yours? We finance that too.
Restaurants
Transportation & Trucking
Beauty & Barber Salons
General Construction
Specialized Trades
Cleaning Services
Landscaping
Auto Repair
Retail & Stores
Why PrestaYa
A funding partner, not just a lender
We're driven by innovation, integrity, and excellence — and we measure success by your growth.
Fast approvals
Minimal documentation and decisions in as fast as 24–48 hours after a complete application.
No hard credit pull
Explore your funding options with zero impact on your personal credit score.
Flexible options
Multiple funding structures matched to how your business actually earns and spends.
You pay only after funding
A simple 2–5% fee — charged only once funds hit your account. No upfront cost.
Dedicated advisor
A real funding specialist guides you from application to deposit. No call-center runaround.
Free review & consultation
No-obligation funding review and live consultation events to help you choose with confidence.
What you'll need
Apply in under 10 minutes
Have these ready and you can complete your application in one sitting — no printing, no faxing, no hassle.
Secure connection — your data is encrypted in transit via SSL.
- 1Basic business information
- 2Your last 4 bank statements
- 3Time in business
- 4Business owner details
Full transparency
How we get paid — no fine print
Honest funding starts with clear costs. Here's exactly how it works:
- A 2–5% fee on the funded amount, charged ONLY after you receive the funds.
- No cost to apply or to get your funding review.
- No upfront payments and no hidden charges.
- Checking your options does NOT affect your credit (no hard pull).
- We're a funding facilitator, not a direct lender — we match you with vetted partners and you see all the terms before you accept.
How much funding can I get?
PrestaYa offers funding from $5,000 up to $500,000 or more, depending on your revenue, time in business, and overall financial profile.
Will applying affect my credit score?
No. We do not perform a hard credit pull to review your application or present your funding options, so checking your offers won't impact your personal credit.
How fast can I receive funds?
Decisions are typically made within 24–48 hours of a complete application. Once you accept an offer, funds can be deposited in as little as 24 hours.
What does it cost?
Our fee ranges from 2% to 5%, and it's only charged after you've received your funding. There is no cost to apply or to get a funding review.
What do I need to apply?
You'll need basic business information, your last 4 bank statements, your time in business, and business owner details. The application takes under 10 minutes.
What types of businesses do you fund?
We work with small businesses across many sectors: restaurants, transportation, beauty salons, construction, cleaning, landscaping, auto repair, and retail, among others.
Can I qualify with fair or bad credit?
Yes. We qualify you on your business revenue and bank statements, not just your personal score. And checking your options is not a hard pull, so it won't affect your credit.
Are you the lender?
We're a facilitator: we match you with vetted funding partners. You see who is making the offer and all of its terms before you accept anything.
Are there hidden fees or surprise daily payments?
No. Our only fee is 2–5%, charged only after funding. Every offer shows its full terms up front, and we include fixed, predictable payment options — not just daily debits.
Am I committing to anything by applying?
No. The application and funding review are free and no-obligation. You only decide if an offer is right for you.
Fresh off the press
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Does prequalification affect business credit? Learn when it does, when it doesn't, and how small business owners can shop funding with confidence.
Ready to fund your next move?
Get a free, no-obligation funding review today. It only takes a few minutes — and it won't touch your credit.
No obligation · No hard credit pull · Pay only after funding