Simple financing
for whatever comes next

Fast, flexible funding for trades businesses, built to help manage cash flow, cover unexpected costs, and keep work moving.

Learn More

Fast, flexible financing

Keep jobs moving
Waiting on invoice payments shouldn't slow down your next job. Get funds in as little as two business days if you’re approved and keep the work flowing.
Handle the unexpected
A van off the road or a broken tool can't wait. Access financing fast, right inside Fergus. No long forms, no weeks of waiting.
Back your business
Ready to hire, upgrade your gear, or take on bigger jobs? Fergus Capital means growth doesn't have to wait on cash.

Financing that fits your business

Clear terms, automatic payments and flexible offers. Built around the way trade businesses actually work.
Apply in a few clicks, no lengthy forms and no impact to your personal credit score.

If you're approved, funds are typically in your account in as little as two business days, so the job doesn't have to wait.
One flat fee that never changes. No compounding interest, no late fees.


You know exactly what you owe from day one.
Payment is fully automated and adjusts to your daily sales.*

Fergus deducts a fixed percentage of your sales until the total amount is paid.
Choose the financing amount that fits your business needs.

Your financing fee and payment rate are set based on the amount you select. You're in control.

How it works

Getting started with Fergus Capital takes minutes.

1

See your pre-qualified offer


If you're eligible, Based on your payment volume and history on Fergus Pay, you'll receive a capital offer in your dashboard and via email.

2

Select your offer

Choose the amount that's right for your business. Your financing fee and payment rate are set upfront based on what you select.

3

Receive your funds

If you're approved, funds are deposited into your account typically in as little as one to two business days.

4

Pay as you earn*

You'll automatically pay the financing through a fixed percentage of your sales until the total amount is paid.

Not sure if you're eligible?

Eligibility is based on a combination of factors, including payment history on Fergus Pay. If you're eligible for an offer, you'll see it in your dashboard and receive an email. If you haven't received a notification, you're not currently eligible.


The good news is if you're not eligible yet, switching more of your payments to Fergus Pay can help. While not guaranteed, increased payment volume and your history with Fergus Pay may improve your likelihood of receiving an offer.
Get started with Fergus Pay

Your jobs are sorted. Now your funding is too.

Log in to Fergus to check if you have a pre-qualified offer waiting.


Check your offer

Frequently asked questions

No, you’ll pay one flat fee that doesn’t change. You won’t pay any interest on top of this fee.

If your application is approved, you’ll see the funds in your bank account typically in as soon as 2 business days. To make sure that funds are disbursed successfully, you must set a valid bank account as your primary payout method.

*Fergus Capital loans have a minimum amount due each payment period. If the amount that you pay through sales doesn’t meet the minimum required, your bank account will be automatically debited the remaining amount at the end of the period.


Financing is provided by Fundbox, an external finance provider, with payments facilitated by Stripe. Funding amounts, rates and terms are based on review and approval of a completed application, and are subject to change. Financing offers might require additional documentation.

Get paid 2x faster with Fergus Pay

Get paid on time, every time.
Start a free trial of Fergus to get access to Fergus Pay.

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