Working capital, without the runaround.
We work with small business owners to find the right capital for where they actually are — not where a bank's checklist says they should be. Move the slider, see roughly where you'd land, then let's talk about the real number.
What could my business get?
EstimateEstimate only — not an offer, an approval, or a commitment to fund. Real terms depend on your bank statements, existing positions, industry, and the funding partner's own criteria.
A brokerage, not a lender.
We take your file to funding partners who actually fit it — and we tell you plainly when something on the table isn't a good deal for you.
Merchant cash advance
Working capital against future receivables. Useful when revenue is steady but a bank's timeline isn't.
Consolidation
Carrying several positions? We look at wrapping them into one payment and lowering the daily burden.
Equipment financing
Funding tied to the equipment itself, so the machine you need pays for itself as it works.
SBA & traditional
When the timeline allows it, the cheaper money is worth the paperwork. We'll say so.
Four steps, in order.
No application fee, and no obligation to take what comes back.
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Tell us about the business
A short conversation — what you do, how long you've been at it, what the money is for.
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Send three months of statements
Business bank statements are what funders actually underwrite. Send them securely by email or portal.
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We shop the file
We take it to the partners whose criteria your file genuinely meets, and bring back real terms.
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You decide
We walk you through the numbers in plain English. If nothing on the table is worth signing, we'll say that too.
Start your file.
Takes about a minute. A person reads every one of these — usually the same day.
We use this only to evaluate your request and, with your authorization, submit it to funding partners. We never sell your information.
Request ready to send
Your email app should have opened with everything filled in — hit send and we'll take it from there.
If it didn't open, email us at alongo@opt4lifeinc.com or call (631) 943-9655.
About our text messages
If you check the box above, we may text you about your file — a document we still need, an update on where things stand, or an answer to something you asked. We don't send marketing blasts.
Message frequency varies. Message and data rates may apply. Reply STOP to opt out at any time, or HELP for help. Carriers are not liable for delayed or undelivered messages.
We do not sell your personal information, and we do not share your mobile number or SMS consent with third parties or affiliates for their marketing.
Reach a person directly
- Phone
- (631) 943-9655
- alongo@opt4lifeinc.com
- Hours
- Mon – Fri, 9:00 AM – 6:00 PM ET
Straight answers.
Does it cost anything to apply?
No. There's no application fee and no obligation to accept anything that comes back. Where we're compensated by a funding partner on a completed deal, that compensation is disclosed in the documents you sign with that partner.
How fast can I actually get funded?
On a complete file — application plus three months of business bank statements — decisions usually come back the same day, and funding often lands within one to three business days. Incomplete files are what slow everything down.
What if my credit isn't great?
For most of what we place, the bank statements matter more than the credit score. Consistent deposits, a manageable number of negative days, and clean revenue tell a better story than a FICO number does.
I already have advances out. Can you still help?
Often, yes — and consolidation is frequently the smarter play there. We'll look at what you're carrying, what the daily burden is doing to your cash flow, and whether wrapping it into one position actually improves your position or just re-shuffles it.
Will you text me? Can I stop it?
Only if you give us your mobile number and check the consent box — and only about your file. Reply STOP to any message to stop them, or HELP for help. Consent to texts is never a condition of getting financing. Details are in our Privacy Policy and Terms of Service.
Are you the one lending the money?
No. Options 4 Life Inc. is a brokerage. We arrange financing through third-party funding partners, and every approval and set of terms comes from the partner, not from us.