Most small businesses don't have a capital problem.
They have an access problem.
New Tide Funding was built to close the gap between the businesses that deserve capital and the institutions that won't give it to them fast enough.
Our Mission
Empowering small businesses across America to grow on their terms
Small businesses are the backbone of every community in this country — accounting for more than 99% of all U.S. businesses and nearly half of private-sector employment. Yet too many of them are turned away or kept waiting by financial institutions that weren't designed with them in mind.
We started New Tide Funding because we saw the same story play out too many times: a restaurant owner who needed $60,000 to replace a broken walk-in cooler, a contractor who had the crew but not the capital to take on a bigger project, a trucking company that could double its fleet if it could just get the financing. All turned away. All qualified, by any honest measure.
We built a different kind of company — one that evaluates businesses the way they actually operate, moves at the speed the market demands, and tells you exactly what everything costs before you sign anything.
$1.2B+
Capital Deployed
10,000+
Businesses Funded
$1.2B+
Capital deployed
10,000+
Businesses funded
200+
Industries served
< 24 hrs
Average funding time
Why New Tide
We don't work like a bank — intentionally
Banks are built for stability. Small businesses need speed. Here's what we do differently.
Decisions in hours, not weeks
Traditional bank loans take 30–90 days. We make approval decisions the same day you apply, and funds hit your account as fast as 24 hours after you sign.
We look at revenue — not just credit
Your FICO score is one data point. We evaluate your actual business performance: monthly deposits, revenue consistency, and time in operation.
A real person, not a portal
Every business that applies works with a dedicated funding advisor who knows your industry, answers your questions, and actually picks up the phone.
No hard credit pull to apply
We never run a hard credit inquiry during our approval process. Checking your options costs you nothing — not even a credit score point.
Built for businesses banks overlook
Construction, restaurants, trucking, staffing, healthcare — we specialize in the industries that traditional lenders consistently underserve.
Every industry. Every stage.
From a 6-month-old restaurant to a $3M construction company — if you have real revenue and a real need, we want to hear from you.
New Tide Media LLC dba New Tide Funding · Not a bank · Funding subject to approval