GroFiPlant capital. Grow your business.
GroFi delivers fast, transparent growth capital for small businesses. No hidden fees. No endless paperwork.
Funding growth for 2,000+ businesses
The old way of funding is broken.
Small businesses power the economy, yet traditional lenders treat them like an afterthought. The result? Cash-strapped founders stuck in approval purgatory.
Endless waiting
Traditional banks take months to approve a loan. By then, your opportunity window has already closed.
Surprise costs
Origination fees, prepayment penalties, and fine-print charges can add up to a third of your total cost.
Rigid requirements
Most small businesses are denied traditional credit because banks look at collateral, not cash flow.
We looked at funding through a different lens.
After talking to hundreds of founders, one truth kept surfacing: the system was designed for banks, not builders. So we rebuilt it from the ground up.
Cash flow is the real credit score
We analyze your revenue history, not just your FICO. If your business is healthy, you deserve capital—period.
Speed is a competitive advantage
When inventory is flying off shelves or a competitor is closing in, waiting months is not an option. We built for days.
Transparency builds trust
Every fee, every term, every payoff date is shown upfront. No gotchas. No fine-print surprises.
From application to growth in four simple steps.
We stripped away the complexity so you can focus on what matters: running your business.
Apply online
Connect your bank account and revenue data in minutes. No paperwork, no branch visits, no hassle.
Get approved
Our underwriting engine analyzes your cash flow in real time. Most decisions arrive within 24 hours.
Receive funds
Once approved, capital hits your account in as little as one business day. Start spending immediately.
Grow & repay
Repay as you earn with flexible terms that adapt to your revenue cycle. No fixed monthly nightmares.
Free to apply. No impact on your credit score.
Everything you need to grow with confidence.
We built GroFi to remove every friction point between your business and the capital it deserves.
Lightning-fast approvals
Most applications receive a decision within 24 hours. Connect your bank account and let our engine do the rest.
Bank-grade security
256-bit encryption, SOC 2 Type II certified infrastructure, and strict data privacy. Your information never leaves our secure environment.
Transparent terms
No origination fees, no prepayment penalties, no hidden costs. Every dollar, every date, every detail—upfront.
Human support
Real people, real answers. Our growth advisors are available via chat, email, or phone whenever you need guidance.
Loved by founders who refuse to wait.
Join thousands of business owners who have replaced funding anxiety with growth momentum.
“GroFi got us $150K in 48 hours. That speed let us buy inventory at a discount and 3x our Q4 revenue.”
Marcus Chen
CEO, Bloom Home Goods
“Finally, a funding partner that speaks plain English. No hidden fees, no surprises—just fast, honest capital.”
Sarah Okonkwo
Founder, Nourish Kitchen
“We were denied by three banks. GroFi looked at our cash flow, not our collateral, and approved us in a day.”
David Park
Owner, Park Fitness
Your data is protected like our own.
We built GroFi on a security-first foundation. Because when you trust us with your business data, nothing less than bank-grade protection will do.
256-bit encryption
All data is encrypted in transit and at rest using AES-256, the same standard trusted by the world's largest financial institutions.
SOC 2 Type II
Our infrastructure and processes are independently audited and certified for security, availability, and confidentiality.
Data privacy first
We never sell your data. We never share it without consent. You can request deletion at any time—no questions asked.
Read-only access
When you connect your bank account, we only ever use read-only access. We cannot move, withdraw, or transact on your behalf.
Capital priced in plain English
No origination fees. No prepayment penalties. You see every term before you accept—then repay as you grow.
Starter capital
For getting off the ground
$5K–$50K
Fast working capital for newer businesses. Approved on real cash flow, funded in as little as one business day, repaid as you earn.
Built for:
Growth capital
Most businesses start here
$50K–$250K
The capital to seize an inventory deal, hire, or expand—on flexible terms that adapt to your revenue cycle. No prepayment penalties, ever.
Built for:
Scale capital
Custom terms at scale
$250K+
Larger facilities with a dedicated growth advisor, custom structures, and renewal options as your business compounds.
Built for:
Questions, answered straight
Everything you need to know before you apply.
Still have questions?
Get in touchReady to grow?
Apply in minutes. No credit check to see your offer. Get funded in as little as 24 hours.
No impact on your credit score. Free to apply.