FynFund · Seasoned Merchant Funding
$10K to $2M in term loans, lines of credit, SBA, and working capital. Built for operators with 5+ years of revenue history.
Business loans come in many flavors — term loans, lines of credit, SBA 7(a) and 504, equipment financing, MCA/revenue advance. The right choice depends on what you need the money for, how fast you need it, and how long you want to repay. FynFund matches your deal to the right product across a network of 100+ lenders, so you don't waste time applying to lenders who won't fund you.
Term loans, LOCs, SBA, equipment, invoice factoring, MCA. We match your file to the right product instead of forcing one option.
5+ years of history unlocks A and B paper funders with term-loan APRs from 9–18% — rates newer businesses simply can't access.
We pre-qualify for SBA 7(a) and 504 in 48 hours, not 4 months. Full document checklist upfront so you don't waste time.
Same-day MCA for emergency capital. 3-7 day term loans. 60-90 day SBA. We set realistic timelines and hit them.
One named advisor, not a call center. They learn your business, match funders, and negotiate on your behalf end-to-end.
You never pay FynFund. Lenders pay us when your deal closes. Every offer shows the effective APR, total cost, and repayment calendar in plain English.
Loan amount, use of funds, how fast you need it. 5-minute online application, soft credit pull only.
Your specialist routes your file to the right lenders for your profile and loan type — no wasted applications.
Review real offers with transparent rates, terms, and total cost. Pick the best. Sign. Fund.
Most merchants think 'business loan' means one product. It doesn't. A term loan is a fixed lump sum with a fixed monthly payment, typically 1-10 years, best for expansion or major purchases. A line of credit is a revolving facility you draw from as needed, best for working capital swings. SBA loans are government-backed and cheapest (8-12% APR) but slowest (60-120 days to close). Equipment financing uses the equipment itself as collateral. Merchant cash advances are fastest but priciest. Invoice factoring turns unpaid invoices into immediate cash.
The smart play: pick the product that fits the use case, not the one your banker happens to offer. FynFund's matching engine looks at your industry, revenue history, time in business, credit profile, and use of funds — then routes to the lender class most likely to approve your deal at the best rate. That's the difference between submitting blindly to 20 lenders and getting 3 real offers in 48 hours.
For seasoned operators with 5+ years of history, the universe of options expands dramatically. Term-loan rates drop to single digits for strong credit. SBA pre-qualification is faster because your tax returns and financials show a real operating track record. Bank lines of credit become accessible where they weren't for a 2-year business. Even MCA funders offer preferred factor rates for established merchants — typically 10-20% lower than newer businesses.
One caveat: 'business loan' doesn't mean 'cheap money.' Alternative loans (MCAs, short-term term loans, revenue-based financing) often carry double-digit effective APRs. We'll always show you what the money actually costs so you can decide if the speed is worth the rate. For non-urgent growth capital, SBA is almost always the cheapest option and we'll steer you there when it fits.
Through our 100+ lender network: term loans, business lines of credit, SBA 7(a) and 504, equipment financing, invoice factoring, merchant cash advances (MCA), revenue-based financing, working capital loans, and real estate/commercial mortgages.
For established businesses (5+ years, good credit): 9–18% APR on alternative term loans, 8–12% on SBA 7(a). Shorter-term loans and MCAs carry higher effective APRs (30–80%+) in exchange for speed.
Depends on revenue and time in business. Most 5+ year businesses qualify for $50K–$500K on the first product, scaling to $1M–$2M for businesses with $500K+ monthly revenue. SBA can go to $5M.
MCA: 24–72 hours. Alternative term loans: 3–10 business days. Equipment financing: 3–7 days. Lines of credit: 5–14 days. SBA: 45–120 days.
No. FynFund uses a soft pull to match you with lenders. The final lender you choose may do a hard pull at underwriting, but only after you've reviewed offers and agreed to proceed.
Depends on the product. MCAs and most alternative term loans are unsecured. Equipment financing uses the equipment itself. SBA 504 requires real estate. A personal guarantee is standard on almost all business loans.
Very likely. The SBA favors established businesses with provable revenue. 5+ years of tax returns makes the SBA 7(a) process dramatically smoother than it is for newer businesses.
Bank decline is often our ideal customer. Banks decline 85% of small business applicants. We work with 100+ alternative lenders who approve at dramatically higher rates — especially for businesses with strong revenue but imperfect credit.
Yes. Several funders in our network offer preferred rates for military veteran-owned businesses, and the SBA has dedicated veteran loan programs (SBA Veterans Advantage). We'll route your file to those lenders automatically.
Our network funders work with FICO scores as low as 500 for MCA products, 620 for alternative term loans and SBA, 680 for the best term-loan rates. Business revenue often matters more than personal credit for alternative products.
Soft credit check. No SSN required upfront. Free to apply. Match with up to 20+ lenders in minutes.
Get Pre-Qualified — Free