Merchant cash advances and invoice factoring. One short application connects you with our network of funding partners. Qualified businesses can receive offers in as little as 24–48 hours.
Free to apply. No hard credit pull to check your options. Approval and terms are set by funding partners.
Tell us about your business and how much funding you need. No lengthy paperwork to start.
We review your information and connect you with funding partners whose programs fit your business.
Review any offers you receive. If you accept, qualified businesses can often be funded in 24–48 hours.
We connect you with funding partners offering:
An advance against future sales, repaid as a share of revenue. Flexible requirements and fast decisions.
Turn unpaid B2B invoices into cash now instead of waiting 30–90 days for customers to pay. Learn more.
Draw funds when you need them and pay for what you use. Good for managing cash flow.
Finance vehicles, machinery, and equipment, with the equipment often serving as collateral.
For businesses that qualify, we can refer you to lenders offering SBA-backed loan programs.
Invoice factoring lets you sell outstanding invoices (accounts receivable) to a factoring company for an advance now, instead of waiting for your customers to pay. It is a sale of invoices, not a loan, and approval usually depends more on your customers’ credit than on yours.
Deliver your goods or services and bill your business customer as usual.
The factor verifies the invoice and advances a portion of its value, often around 70–90%.
When your customer pays the factor, you receive the remaining reserve, minus the factor’s fee.
Often a fit for: B2B companies that invoice creditworthy commercial (or government) customers on net-30 to net-90 terms, such as staffing, trucking, manufacturing, distribution, and wholesale businesses.
Advance rates and fees vary by funder and depend on factors like your customers’ credit, invoice volume, industry, and how long invoices take to be paid. Fees are commonly a few percent of the invoice per month outstanding. These ranges are general information, not an offer or guarantee.
Each funding partner sets its own requirements, and many programs look at revenue more than credit. For a merchant cash advance, common minimums are:
Lines of credit, equipment financing, and SBA loans usually have higher requirements, such as longer time in business and higher credit scores.
Takes about two minutes. Submitting this form does not run a credit check, and there is no fee to apply.
Prefer to talk? Call (801) 262-8479
672 E. Vine Street, Ste 2, Murray, UT 84107
No. FundingB2B is a broker and referral service. We connect businesses with independent funding partners, who make all approval decisions and set all terms.
It depends on the product and partner. Qualified businesses applying for a merchant cash advance can often be funded in 24–48 hours after approval and receipt of documents. Timing is not guaranteed.
An MCA is a purchase of a portion of your future receivables. You receive a lump sum and repay it through a share of your sales or fixed remittances. It is not a loan.
Factoring is a sale of your unpaid business invoices to a factoring company. You receive an advance on the invoice value, your customer pays the factor, and you receive the remaining balance minus the factor’s fee. It is not a loan.
Not necessarily. Factoring companies usually focus on the creditworthiness of the customers you invoice and the quality of your invoices. Each funder sets its own requirements.
Submitting our form does not run a credit check. A funding partner may do a soft credit pull to prequalify you, which does not affect your credit score. Some partners may do a hard credit pull later, usually after you choose to move forward with an offer, and that can affect your score. Ask the partner before you proceed.
Typically your last 3–6 months of business bank statements, a voided check, and basic owner and business information.
No. It is free to apply, and FundingB2B does not charge you a fee. We are paid by our funding partners, typically when a deal funds. The cost of any funding, including factor rates and fees, is set by the funding partner and disclosed in your offer before you accept.
Matthew Paul (Matt) Malouf is the founder of FundingB2B. He is a real estate developer and finance professional based in Utah and Texas, with more than 30 years of experience in acquisition, finance, development and sales of residential and mixed-use communities. Matt spent 20 years as a licensed mortgage broker and leads Malouf Capital Inc. He is a graduate of the University of Notre Dame’s Mendoza College of Business.
Learn more at mattmalouf.net
