No hard credit pull to review your options. Same-day funding may be available.
Receive funding in as little as the same day. Repay through a percentage of your future sales with flexible terms. No hard credit pull required to review your options.
Check My Funding Options
Takes Less Than 60 Seconds
A merchant cash advance (MCA) is a form of business funding where you receive a lump sum of capital upfront. You repay it by sharing a percentage of your future sales (credit card, debit card, or overall revenue) until the agreed total is paid.
Unlike a traditional loan, repayment adjusts with your sales volume. When sales are strong, you repay faster. When sales slow down, payments decrease.
Step-by-Step Guide
You apply and share basic business and sales information.
We review your file (soft review — no hard credit pull at this stage).
You receive an offer with a clear factor rate and total repayment amount.
Once approved and accepted, funds are deposited into your business account — often the same day or within 24–48 hours.
Repayment begins automatically as a percentage of your sales until the advance is fully repaid.
Merchant cash advances use a factor rate instead of a traditional interest rate.
Typical factor rates at Funderial range from 1.09 to 1.36, depending on your business performance, time in business, and sales volume.
The total cost is fixed upfront. Early repayment often comes with discounts.
Note: Meeting these guidelines does not guarantee approval. Each application is reviewed individually.
Businesses looking for the absolute lowest long-term interest rate or those who prefer fixed monthly payments over revenue-based repayment.
| Feature | Merchant Cash Advance | Traditional Term Loan | Business Line of Credit |
|---|---|---|---|
| Speed | Same day – 48 hours | Weeks to months | Days to weeks |
| Credit Requirements | More flexible | Usually stricter | Moderate to strict |
| Repayment | % of sales | Fixed monthly payments | Interest on drawn amount |
| Collateral | Usually not required | Often required | Sometimes required |
| Best For | Speed + flexible cash flow | Predictable long-term needs | Ongoing access to capital |
Submit the short form above or click below. A funding specialist will review your information and walk you through the next steps. No hard credit pull is required to get started.
Check My Funding Options
Businesses that need capital quickly
Businesses looking for the absolute lowest long-term interest rate or those who prefer fixed monthly payments over revenue-based repayment.
