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About

The fox hunts while the market sleeps.

Night Fox Funding exists because the gap between a business owner needing capital and a bank being ready to provide it has never been wider — and someone has to work that gap honestly.

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50States served
10Funding programs
1Advisor on your file
The founder

Travis Wright

Travis founded Night Fox Funding on a simple observation: most business owners don't get turned down because they're bad risks. They get turned down because their file landed in front of the wrong lender, in the wrong format, at the wrong time.

Banks aren't villains — they're just narrow. One credit box, one set of ratios, one answer. Meanwhile there's an entire market of funds, specialty lenders and asset-based shops with completely different appetites, and almost no business owner has the time or the relationships to work it.

That's the job. Read the file properly, know which door it fits, and put the offers side by side so the owner can choose with real information instead of pressure.

Why "Night Fox." The fox is patient, reads the terrain, and moves when everyone else has gone home. Capital problems don't arrive between nine and five, and they don't wait for a committee meeting on Thursday.
Call Travis directly Send a message

Travis Wright

Founder & Principal Funding Advisor

  • Coverage Nationwide, all 50 states
  • Serving All 50 states
  • Direct line 612-927-2055
  • Email info@nightfoxfunding.com
  • Desk hours Mon–Fri 8–8 CT
Email Travis
How we operate

Four rules we don't bend.

This industry has a reputation, and it earned most of it. These are the lines that keep us on the right side of it.

Total cost, in dollars

Every offer we present shows what you'll repay in actual dollars — not just a factor rate or a monthly payment designed to look small.

Your file isn't inventory

We don't sell applications to lead networks. One advisor sees it. That's why you won't get forty calls the day after you apply.

The honest no

If the right answer is "wait ninety days and fix these three things," you'll hear that — even though it costs us the deal today.

Cheapest that fits

We place you in the least expensive structure your file supports, including the ones that pay us less. Renewals are worth more than one big commission.

The model

One file. The whole market.

Applying to lenders one at a time is slow and expensive — each application is another inquiry, another week, another maybe. Applying everywhere at once through a marketplace is worse: your file becomes a lead, resold to whoever pays most for it.

We do neither. Your file is read first, then routed only to the funders whose criteria genuinely match it. Fewer submissions, better hit rate, and no phone explosion.

  • Read first. Deposits, average daily balance, NSFs, negative days, existing positions, industry.
  • Routed, not blasted. Three to six targeted submissions, not thirty.
  • Compared properly. Rate, term, total repayment, effective APR, prepayment language.
  • Structured to survive. Sized against your slowest month, not your best one.
What we won't place

Some deals shouldn't happen

  • A fourth position on a business already drowning in three. We'll model a consolidation instead.
  • Expensive money for a cheap problem. If a term loan fits, we're not selling you an advance.
  • Funding a structural loss. Capital accelerates whatever is already happening. If the unit economics are broken, more money makes it worse.
  • Restricted industries. Cannabis, firearms, adult, crypto trading, gambling and MLM are outside nearly every funder's box, and we won't waste your time pretending otherwise.
Common questions

About working with us

No — and that's intentional. Night Fox Funding is a funding advisory and broker. A direct lender has one credit box and one answer. We work a national network, so a decline in one place simply moves your file to the next, and you end up comparing competing offers instead of accepting a single one.
By the funding source, on closing. There is no application fee and no upfront cost to you. Any fee inside a funding offer — origination, platform, or third-party costs on SBA and real estate — is disclosed on the term sheet before you sign.
Travis. Every file, personally. That's the constraint that keeps this a real advisory rather than a call centre, and it's why you get one phone number instead of a queue.
All 50 states. The entire process runs remotely from anywhere in the country — application, documents, e-signature and funding. US-based business entities only.
Ready when you are

Talk to the person who'll actually read your file.

No dialer, no queue, no junior rep reading a script. One number, one advisor.

Talk to Travis directly612-927-2055
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