Cita Empire · Capital Division

Capital That Moves as Fast as Your Crew.

Revenue-based financing, equipment loans, and lines of credit built for trade contractors. Apply in minutes. Get funded in 24 hours. No banks. No bureaucracy.

See Your Options → How It Works

$5K–$500K

Available Funding

24h

To Funded

580+

Min. Credit Score

Collateral Required

The Problem

Banks Don't Get the Trades

You've got a $200K job starting Monday and your material supplier wants 50% up front. You call your bank and they want two years of audited financials, a business plan, and six weeks to decide. Meanwhile, the job goes to someone else. CitaFunding was built to move at the speed of the trades — not the speed of a loan committee.

Products

The Right Capital for Every Situation

Three products designed around how trade businesses actually need money — not how banks like to lend it.

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Revenue-Based Financing

Borrow against your future revenue. Repayments flex with your invoices — when business is slow, you pay less. When it's booming, you pay it down faster.

$5K – $250K

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Equipment Financing

Get the truck, trailer, lift, or tool you need to take on bigger jobs. The equipment pays for itself while you own it — not lease it.

$10K – $500K

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Business Line of Credit

A revolving credit line for materials, payroll gaps, and cash flow crunches. Draw what you need, repay, repeat. Always ready when you need it.

$5K – $150K

Process

From Application to Funded in 24 Hours

No banker handshakes. No waiting rooms. Four steps and capital hits your account.

Apply in Minutes

Answer 10 questions about your business. No tax returns, no business plan required to apply.

Instant Decision

We review your CitaPros revenue history and bank data. Most decisions come back in under an hour.

Pick Your Terms

See real offers with real rates. No bait-and-switch. Choose what works for your cash flow, not theirs.

Get Funded

Capital lands in your business account within 24 hours of signing. Get to work.

Why CitaFunding

Capital That Knows the Trades

We underwrite based on how trade businesses actually perform — not just a FICO score.

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Underwritten on real revenue, not just credit CitaPros job history and invoicing data counts. We see the business most lenders miss.

✓

No collateral required on most products We're not putting liens on your house or truck to fund working capital. That's not how this should work.

✓

CitaCoin rewards on repayment Every on-time payment earns CitaCoins. Stack rewards across the entire Cita Empire ecosystem.

✓

Flexible repayment tied to revenue Slower month? Smaller payment. Busy season? Pay it down faster. Capital that breathes with your business.

Eligibility

Do You Qualify?

Most active CitaPros operators qualify within their first 6 months on the platform.

✅ You're a strong fit if you have:

6+ months in business
$5,000+ in average monthly revenue
580+ personal credit score
Active CitaPros operator account
U.S.-based business entity (LLC, sole prop, corp)

⚠️ We can't help right now if:

Open bankruptcy in the last 12 months
Less than 3 months in business
No verifiable revenue history
Business located outside the U.S.

For Lenders & Capital Partners

Partner with CitaFunding

Access Verified Trade Operators at Scale

CitaFunding connects capital partners directly to verified, revenue-generating trade professionals with full CitaPros data backing every application. No raw leads — pre-verified operators actively seeking capital to grow their businesses.

Interested in originating trade-focused loans through the Cita platform?

Become a Capital Partner →

Ready to Apply

Stop Leaving Jobs on the Table.

The capital to take on bigger work is closer than you think. Apply in minutes, funded in 24 hours.

Check My Options →