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Merchant Cash Advance

When you obtain a merchant cash advance through Funderial, you’ll net a lump sum of capital in return for a small portion of your business's future sales.

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Get the highest funding amounts at the best rates in the industry.

Funderial is a best-in-class technology enabled direct lender and financial services provider. Funderial works by leveraging direct lending capital and partnerships to negotiate on your behalf and secure the most desirable working capital terms for your business.

Funding
An MCA is perfect for

An MCA is perfect for

  • Newly Opened business with revenues for just 3-6 months

  • Businesses with unique assets, such as art and collectibles

  • Any Credit situation

  • In a growth phase

  • Recently purchased pre-existing establishments

  • Seasonal Businesses

Benefits of a
Merchant Cash Advance

Simple 2-minute
online application

No hard credit check:
does not affect your credit score

Get funds as soon as
the same-day

Flexible payment options:
Choose from several payback options

We negotiate on your behalf
to get you the best rates and
highest funding amounts

No personal
guarantees required

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Rated Top 10 Business
Loan Services Provider for 2024-2025

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Learn about
Merchant Cash Advances

Merchant Cash Advances are simple business funding.

You receive cash upfront. Then, Funderial automatically collects a portion of your daily credit card sales until the advance is fully repaid.

The beauty of this system? Repayment fits into your cash flow, making it a perfect match for businesses with variable revenue when compared to fixed daily or weekly payments. You only pay when you get paid .

Learn About MCA
Learn About MCA

Its easy to get a Merchant Cash Advance.

Working with Funderial is extremely efficient and fast. When you call or apply, we will take stock of what you need, assess your cash flow history and your business and personal credit history. Upon approval, we will extend an offer for funding with a set factor rate, which indicates the interest amount you will pay.

Funderial has 15 years of experience funding tens of thousands of businesses. We provide a straightforward and tailored funding experience starting with a free, no-hassle consultation.

Merchant Cash Advances are Fast and efficient business funding.

The factor rate you receive depends on your recent cash flow, your business and personal credit profile, and the length of your repayment period. Shorter repayment periods will result in lower rates.

Funderial offers the best factor rates, typically ranging 1.09 to 1.36. This means that for a $100,000 loan, you will be paying between $9,000 and $36,000 in interest over your loan repayment period.

With a factor rate, the total interest you pay is fixed and determined up-front. The amount of interest you pay will never increase  even if you delay or postpone payments. You can get a significant discount for early repayment.

Learn About MCA

Basic Qualifications

Operate with a business checking account, not personal

3 months in business

5,000 a month in sales

MCA Key Details

Merchant Cash Advance
Key Details

  • Maximum funding amount

    $5,000,000

  • Time to receive funds

    24 - 48 hours or as soon as the same day

  • Average funding amount

    $85,000

  • Accepted Businesses

    Nearly every business in any industry in America

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Need cash today?

Need funding quickly? An MCA from Funderial is the fastest and easiest way to get business funding!

More features and benefits
of an MCA

Highest funding amounts

MCA’s can provide larger funding amounts than traditional bank loans

We negotiate on your behalf

We make lenders compete for the best rates & terms on your next business loan

White-glove customer service

Work with the best funding experts

Get funds regardless of credit

We work with almost any credit situation

No hard credit pull

Applying does not cause an inquiry and will not appear on your credit report

No collateral required

Funding is solely based off business revenues, not assets

No personal guarantee required

No personal liability if the business fails

Payback with a % of Credit Card Sales

Pay back the funds as your customers pay you

Flexible repayment options

Choose from several repayment terms

Fixed factor rate

the interest amount you pay is fixed and will not increase

Early payoff discounts

Access additional funds quicker and save money

Perfect for any industry

Any and all industries and business types can leverage MCAs to grow

Unrestricted usage

There is no restrictions on usage. Use funds for any business expense

Explore Rates

Check rates using this calculator. These numbers are estimates. Talk to one of Funderial’s funding experts for a no obligation consultation and free quote. Call 855 FUNDING anytime.

You Receive

$25,000.00 Today and Pay $85.62 for 365 Days

Principal
$25,000.00

Interest
$6,250.00

Like what you see and ready to
learn more?

Get Started

Common Uses for
Funds

Revolving Line of Credit
Building a Website
Equipment Purchasing
Managing Cash Flow
Hiring Expenses
Seasonal Business Needs
Inventory Expansion
Advertising Campaigns
Marketing Costs
Opening a new location
Unforeseen Costs
Marketing

What is Credit Card Receivables Split Funding?

Split funding is a form of repayment where you pay automatically through a withheld portion of your credit card sales. Its flexible, easy, and you only pay when you get paid .

Split funding is a great option for businesses with variable revenue, won’t be locked in to fixed daily, weekly or monthly payments. If sales increase after you receive funding, you can receive additional funding within just a few months of your first round of financing, you can receive a significant discount on the factor rate expense.

If you choose to switch to our preferred card processor, you can save thousands per month in card processing fees.

Credit Card Split
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Receive up to 1-2 X your monthly gross revenues

How do I get the best rates and terms on a
Merchant Cash Advance?

  • The most efficient way to get a great rate on a merchant cash advance is to work with a direct lender that will either fund you directly or negotiate on your behalf to offer the best terms for your business.
  • Funderial is a financial institution with a 10+ year history of securing the best rates for businesses by leveraging direct lending capital and a network of technology enabled partnerships.
  • Funderial has a great reputation, backed by an A+ Business Rating. The Funderial lending process is easy, fast, and supported by the best white-glove customer service in the industry.
  • If you receive a Merchant Cash Advance from Funderial, they will work with your specific company needs, and negotiate on your behalf to get the best rates and the highest funding amounts. With their relationship-driven process, the rates you receive improve over time, and the funding maximum increases.
  • It all starts with a simple, free, no-obligation consultation with a Funderial funding expert. Apply now to get the conversation started.

Why choose Funderial?

Why Choose

Speak to live experts and receive white glove treatment from business funding veterans.

Why Choose

Simple process to apply and fund, even easier to renew fundings and grow your business with Funderial

Why Choose

We guarantee some of the largest loan amounts, lowest rates and widest range of funding options available to your business.

Funderial

With decades of history and over 2 billion funded of experience, Funderial knows how to support your unique needs.

We leverage the best technology in the industry to get you funding lightning fast on the best terms.

We’re a direct lender, so you deal one-to-one with our funding experts.

If we can’t get you the funding you need in-house, we’ll negotiate on your behalf with an extended network of partners to get you the funding solution that works best for you.

Why Choose

Fast Approval Process

Why Choose

Flexible Repayment

Why Choose

Unrestricted Funds

Why Choose

No Hidden Fees

Why Choose

No Hard Credit Pull

Why Choose

No Collateral Required

trusted, LIGHTNING FAST, and flexible Funding solutions
for all types of businesses

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Get $500,000 in unrestricted funding as soon as same day

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Explore case studies with
Funderial’s clients

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Know someone who’s looking to grow? Get up to $5,000 for referring a friend at funderial.com/referral-center

Frequently Asked
Questions

Start today and access improved rates and higher funding maximums over time!

Over 50% of our clients receive additional funding within the first year.

The more you build your financial story with us, the more we can offer better rates, better terms, and higher funding amounts.

Get Funding Today

Inquire now on how to qualify for up to $5,000,000

Ready to grow your business? See how much you qualify for:

Current monthly sales deposit average to your business bank account?

How much Working Capital would you like for your business?

Do you accept credit cards?

Industry

Annual Revenues

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What is your business name?

What type of business do you own?

What are you seeking funding for?

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Contact Form

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Phone 855-FUNDING

Lightning Fast Business Funding

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You can get up to 250% of your next months revenue today. Use cash for expansion, inventory, marketing, or whatever your business needs. Repay on your terms plus a fixed amount agreed upon up-front.

New clients can receive a $400 Amex Gift Card

Funderial

Why did the carrot cross the road?

To root out new business opportunities
and grow its market share
with a Merchant Cash Advance from Funderial!

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