Customer
Money in 24 hoursLow loan ratesThe solution is right now
Financing your business 5X faster
Connect your bank account in a few clicks – Effect automatically pulls everything we need. No statements, no paperwork, no bank visits.
Why Effect
Credit without the lender chase.
From describing your need in a chat to signing the loan agreement — the entire funding process lives right here, without ever leaving Effect.
Review
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5x faster than any financial institution. From application to funded in days.Review
0M+
Over $1M in loans facilitated — and this is just the beginning.Features
Unlock our standout credit features
Credit features designed to get you funded, not confused. From AI loan matching to one-click e-signing — everything is a few taps away.
Split Your Payments. Stay in Control
Turn any big expense into 6 equal installments. Fund your invoices now — no waiting for bank approval, no rejection letters.
Offer a reprieve, not a problem.
Give your buyers up to 180 days to pay while you get cash upfront. Sell more, with zero stress about late invoices.
Credit products that fit your business
Effect reads your profile and routes you toward the right loan instead of making you shop lender by lender.
How it works
How Effect works?
Effect is an AI-powered credit platform that matches your business with the right loan in days, not months. No paperwork, no bank visits — just a conversation.
01
Onboard your business in minutes
Tell us about your company once, then write us a message in the chat describing what you need. That's it.
02
Connect your bank with one click
Link your online banking securely. Effect instantly pulls and analyzes your business data — no statements, no spreadsheets.
03
See your pre-qualified loan options
Our AI reviews your business and shows you the credit products you can access right now, with real terms and clear rates.
04
Choose, sign, get funded
Pick the offer that fits you best, e-sign the agreement on our platform, and receive the money directly into your account.
05
Manage everything from Effect
No need to deal with the lender. Track your loan, schedule payments, and stay in control — all from one dashboard.
One workspace
One platform. End-to-end business credit.
From finding the right loan to signing and repayment — everything lives inside Effect.
Fast, secure, and fully controlled by you.Bank data pulled automaticallyLive repayment and offer tracking
Pricing
Simple, transparent pricing
One fee per funded deal. No hidden charges, no monthly subscriptions — you only pay when you get funded.
Starter Plan
6%
per dealFreelancers & self-employed
- AI loan matching
- one application at a time
- basic dashboard
- Tracking available offers
Growth Plan
5%
per dealSmall teams and active operators
- Up to 3 applications at once
- Priority matching
- Real-time tracking
- Tracking available offers
- Customizable Dashboards
- Automated receivable tracking
Scale Plan
4%
per dealGrowing teams & mid-market
- Automated receivable tracking
- Customizable Dashboards
- Unlimited applications
- Advanced analytics
- API access
- Dedicated manager
Enterprise Plan
Custom commission
High-volume businesses
- Custom integrations
- Custom pricing
- Automated receivable tracking
- White-label onboarding
- Multi-entity support
- SLA-backed support
Ready now