HL Hunt Capital pitches $10K to $5M in business funding, decided by revenue instead of a credit score

HL Hunt Capital, the business-funding arm of HL Hunt Financial, positions itself as a single front door to four different ways of raising working capital: merchant cash advances, invoice factoring, revolving lines of credit, and equipment financing, all applied for through one form and matched by the company rather than shopped separately with each lender.

The pitch is squarely aimed at businesses a bank has already turned down. HL Hunt says it funds $10,000 to $5 million, with approval decisions weighted toward a business's actual cash flow rather than its owner's personal credit score — the company states it will consider credit scores as low as 500, against what it describes as a 700-plus threshold typical of a traditional bank. It advertises funding in as little as 24 hours and a self-reported approval rate above 90%, compared with roughly 25% for banks and roughly 50% for online lenders in the comparison table it publishes on its own site.

Of the four products, the merchant cash advance is framed as the fastest: a lump sum from $10,000 to $2 million repaid automatically as a fixed percentage of daily sales, so the repayment amount rises and falls with revenue rather than sitting at a fixed installment. HL Hunt states factor rates start at 1.1, and stresses on the product page that a merchant cash advance is a commercial financing product, not a loan — a legal distinction that matters because MCAs generally are not covered by the interest-rate caps and lending disclosures that apply to loans in a given state.

Invoice factoring is pitched as the no-new-debt option: HL Hunt advances up to 90% of an unpaid invoice's value upfront, at a stated rate starting from 1% per month, and takes over collecting from the business's customers directly. The business line of credit is revolving, with a stated APR starting at 8% on amounts up to $5 million, interest charged only on funds actually drawn rather than the full approved limit. Equipment financing covers up to 100% of an asset's cost over terms from 12 to 72 months, with the equipment itself serving as collateral.

HL Hunt also states it has funded more than $250 million to businesses to date, with an average time to fund of 24 hours and a maximum single funding of $5 million. The site is explicit that its side-by-side comparisons against a "traditional bank" and an "online lender" reflect typical industry ranges as of 2026 rather than a specific competitor's published terms, and that the funding estimator on its site produces an illustrative, non-binding estimate — actual advance size, factor rate and payment schedule are set only at underwriting, based on a business's real revenue, time in business, industry and credit profile.

The self-reported 90%-plus approval rate and $250 million funded figure are HL Hunt's own disclosed numbers and have not been independently verified by FinCrunch. The company's own site also carries the standard caveat that applies to all of its funding products: approval is not guaranteed, terms vary by applicant, and the funding page itself does not constitute a commitment to fund.