Fueling Growth, One Business at a Time

At Mulah.com, we offer fast, flexible, and credit-free business funding across Oregon, from Portland’s urban innovation to the agricultural valleys of Medford and the logging towns of Eastern Oregon. Whether you’re a small-batch food processor in Eugene, a trucking company in Klamath Falls, or a coastal tourism operator in Newport, our capital is built around your revenue not your credit score or personal assets.

We serve all 36 Oregon counties, empowering entrepreneurs and operators in natural resources, transportation, construction, sustainable agriculture, tourism, and emerging tech. Our revenue-based model delivers same-day approvals, no-collateral capital, and repayment terms that adjust with your cash flow making us the trusted capital partner for Oregon businesses at every stage of growth.

Oregon’s Core Business Sectors We Proudly Support and Fund

Oregon’s economy is rooted in natural resources and powered by innovation. We design funding solutions for the real operating needs of your sector.

Sustainable Agriculture, Forestry & Fisheries

From vineyards in the Willamette Valley to forest product operations in Roseburg, we fund Oregon’s agricultural and resource businesses. That includes berry farms, hop growers, timber crews, sawmills, fisheries, and ag-service providers. Use our capital for seasonal payroll, planting, harvesting, machinery, and supply chain costs.

Construction & Skilled Trades

We provide working capital to contractors, roofers, plumbers, HVAC pros, electricians, masons, and homebuilders across Oregon. From Portland remodels to Bend developments, you can use Mulah.com funding for materials, permits, labor, and equipment.

Food Processing, Breweries & Artisan Goods

Oregon’s reputation for local food, wine, and craft beer drives demand for production, packaging, and retail. We fund artisan bakers, breweries, roasters, cheesemakers, food trucks, and small-batch producers to buy ingredients, hire staff, and increase production capacity.

Why Oregon Businesses Choose Mulah.com

Oregon’s entrepreneurial spirit requires funding that’s flexible, fast, and built to respect real-world operations. Mulah.com stands out with:

Same-day approvals — No lengthy applications or bank paperwork
Revenue-based underwriting — No personal credit check required
No collateral — Keep your vehicles, equipment, and property
Cash flow–friendly repayment — We align with seasonal ups and downs
Statewide access — All 36 counties, urban and rural, are eligible
Industry-focused funding — Built for Oregon’s core business sectors

Whether you’re harvesting hops in Hood River, expanding a cafe in Ashland, or running repairs in The Dalles, we fund the rhythm of your business.

Major Cities and Economic Zones Served

We fund businesses across Oregon’s major metros, rural hubs, and trade corridors:

Portland Metro – Tech, food, services, real estate, green energy
Eugene / Springfield – Manufacturing, cannabis, education, logistics
Salem – Government services, trades, construction, food production
Medford / Southern Oregon – Agriculture, tourism, healthcare, cannabis
Bend / Central Oregon – Construction, recreation, real estate services
Coastal Oregon – Tourism, fisheries, hospitality, retail
Eastern Oregon (La Grande, Pendleton, Ontario) – Agriculture, timber, trucking, small-town retail

All 36 counties in Oregon qualify for Mulah.com’s business capital programs.

Explore Our Capital Solutions Built for Oregon Businesses

Oregon businesses thrive in cycles harvests, tourism peaks, weather windows, production bursts. Our funding is built to match those dynamics.

Emergency Bridge Funding & Seasonal Stability

Oregon weather, supply chain disruption, or tourism fluctuations can cause gaps in your income. Our bridge funding helps businesses stay operational through uncertainty. Some Examples include Covering short-term payroll when invoices are delayed, Purchase replacement equipment during peak service months or to Offset losses from fire season, road closures, or supplier breakdowns.

Working Capital for Growth, Payroll & Expansion

Our unrestricted working capital supports long-term business growth. Whether you’re adding staff in Bend, opening a new location in Eugene, or investing in new equipment in Portland, this capital powers your progress. Some popular uses are Payroll and team expansion, Lease or space improvements, Market launches or advertising, Inventory diversification or Scaling fulfillment or production.

Revenue-Based Oregon Advances

We provide capital based on your actual revenue no credit pull, no delays. Whether you're an ag operator prepping for harvest, a contractor managing a big job, or a retail shop preparing for holiday traffic, this advance gives you fast cash with repayments that adjust based on income. Use it for Staff hiring and training, Raw material purchases, Marketing campaigns, Inventory restocking or Compliance or licensing fees.

Oregon Business Facts & Economic Identity

Nickname: The Beaver State

Small Business Stats: Over 400,000 small businesses, employing more than 900,000 Oregonians (U.S. SBA)
Top Natural Resources: Timber, salmon, hops, berries, nursery stock, hay
Top Industries: Agriculture, forestry, tourism, tech, transportation, food production, construction
Tax Climate: No sales tax, competitive corporate tax incentives, pro-environmental policies
Challenges: Wildfire impacts, seasonal employment, rural funding gaps, tourism sensitivity

Frequently Asked Questions

Find answers to common questions about our funding process, eligibility, and service features.

Can I get funded even with low credit in Oregon?

Yes, we do not perform hard credit checks. Our underwriting is based on your business performance, not your personal history. If your business is earning revenue, you’re likely eligible.

Do you support Oregon farms, vineyards, and food producers?

Absolutely. We’re proud to serve Oregon’s agricultural sector, including growers, processors, and artisan brands. Whether you run a vineyard in the Willamette Valley or a hemp farm in Southern Oregon, we can provide tailored capital for planting, harvesting, packaging, and staffing.

Do you offer funding for tourism and seasonal businesses?

Yes, we specialize in seasonal cash flow support. Tour operators, hotels, ski resorts, guides, and coastal businesses use our funding to prep for peak season and stay afloat during slower months.

How fast can I get approved and funded in Oregon?

Many Oregon businesses are approved within 24–48 hours. Once approved, funds are typically deposited within 1–2 business days.

Is collateral or equity required to qualify?

No. Our capital is unsecured meaning you don’t need to pledge assets or give up ownership. We believe in funding based on business merit, not personal risk.

Can I use this capital for payroll, inventory, or expansion?

Yes. Our funding is fully unrestricted for business use, which means you can use it for staffing, materials, equipment, rent, marketing, or growth.

Do you serve rural businesses in places like Eastern Oregon?

Definitely. We fund across all regions, including small towns, unincorporated areas, and rural communities where traditional banks rarely lend. We’re here for loggers in Union County, mechanics in Burns, and everyone in between.

Find Mulah By Industry

Apply for Oregon Funding Today

If you're an Oregon business ready to grow, expand, stabilize, or scale Mulah.com is the smart capital partner built for your journey. Apply in minutes. Approvals in 24 hours. No credit check. No bank hoops. Just real funding for real Oregon businesses.

Apply Now

Company

Products

Industries

Contact

1 (877) 81-MULAH

*Disclaimer – Mulah.com

Same-day funding may be available in select states for advances up to $100,000. Applications completed and approved before 10:30 a.m. ET, Monday through Friday (excluding bank holidays), are typically funded by 5 p.m. local time the same day. Applications finalized after 10:30 a.m. ET, or on weekends/holidays, generally provide capital within 2–3 business days.

Certain industries are ineligible for capital programs (see restricted industry list). Additionally, Mulah.com does not currently provide funding to businesses located in North Dakota. Other underwriting criteria may apply.

If you choose to repay a Mulah.com advance early, you may still be responsible for a portion of the agreed-upon cost of capital, as outlined in your funding agreement. The applicable amount will be disclosed in advance.

Only the strongest applicants, those with excellent credit profiles, consistent cash flow, and a solid history of repayment, will qualify for the most competitive rates. Average annualized rates for term-based funding are approximately 56.4%, and average rates for lines of capital are approximately 56.6%, based on advances originated during the six months ending June 30, 2025.

In some cases, a minimum initial draw of $1,000 may be required at origination. Returning customers who renew a funding agreement may be eligible for reduced or waived origination fees, depending on renewal history and terms.

All capital programs are subject to provider approval. Depending on your business’s state of operation and specific funding attributes, your agreement may be issued by Mulah.com or one of its partner institutions. Capital advances above $250,000 are reserved for applicants with strong financials and verified monthly revenues.