Xuper Funding provides fast, unsecured business funding advances to businesses — funding thousands of businesses every year, with no personal guarantee required and decisions based on business performance rather than personal credit scores.

Unlike banks and traditional lenders, Xuper Funding does not offer loans. Instead, it provides business funding advances — a lump sum advanced to your business upfront, settled through an agreed collection from your ongoing revenue. The total funding cost is agreed and disclosed upfront through a fixed factor fee, giving you complete clarity before you proceed.

The minimum advance is $10,000 and the maximum is $750,000, with funds reaching your business bank account within 24 hours of approval. Xuper Funding supports businesses across almost every sector and business type, including many that have been turned away by traditional lenders.

Applying for a Xuper Funding business funding advance takes just a few minutes. Complete the online application form with your basic business details, and a dedicated funding specialist will review your application and come back to you quickly.

The application requires basic information about your business including your trading name, business structure, monthly revenue, and how long you have been trading. You will typically be asked to provide recent bank statements covering the last three to six months so Xuper Funding can verify your revenue and trading consistency. There is no requirement to submit years of accounts, business plans, or lengthy financial projections.

If approved, you’ll receive a funding offer outlining the advance amount, factor fee, and repayment structure. There is no obligation to accept. If you are happy with the terms and sign the agreement, funds are transferred to your business bank account — typically within 24 hours.

No — there is no obligation at any stage of the Xuper Funding application process. Applying does not commit you to anything, and receiving a funding offer does not require you to accept it.

The application takes a few minutes to complete and is entirely free. Once submitted, Xuper Funding’s team reviews it and, if your business meets the eligibility criteria, a funding offer is presented to you — detailing the advance amount, the factor fee, and the agreed repayment amount. You can review the offer at your own pace. If it works for you, simply sign the agreement and funds can be transferred within 24 hours. If it does not, you walk away with no cost and no penalties for your business. 

A factor fee is the fixed cost of a business funding advance. It is applied as a multiplier to the amount advanced and determines the total repayment amount, which is agreed and fully disclosed before you commit.

Unlike interest on a traditional loan, a factor fee does not compound. The total cost is set upfront and does not change, regardless of how long the advance takes to repay. Whether you repay quickly or over a longer period, the fee remains the same, with no variable charges or hidden surprises.

The factor fee applied to any individual advance is determined by a number of risk factors including the amount advanced, your monthly revenue, your trading history, and the sector your business operates in. Businesses with stronger, more consistent trading records typically receive more favourable factor fees. Xuper Funding discloses the factor fee in full as part of the funding offer before any commitment is made.

Xuper Funding uses cutting-edge technology to assess applications quickly and accurately, meaning funds can be transferred within 24 hours of approval.

Rather than relying solely on manual underwriting processes — which can take days or weeks at traditional lenders — Xuper Funding’s system assesses business performance data, including trading history and revenue, to deliver fast, informed decisions.

Our system works hand-in-hand with our funding specialists and analysts, combining  technology and human expertise to deliver fast, informed decisions.

Yes, many businesses return to Xuper Funding for additional funding, and in some cases, a top-up advance can be arranged before the original advance has been fully settled.

If your first advance has already been settled, reapplying is quick and straightforward. As an existing Xuper Funding client, we already understand your business history, which helps us fast-track your application.

If you are part-way through settling your current advance, a top-up advance may be available depending on how much has been repaid and how your business is currently performing. Each case is assessed individually.