FynFund · Seasoned Merchant Funding
$10K to $2M. Soft credit check. Offers from 100+ funders in one application. Designed for established merchants with 5+ years in business.
A merchant cash advance (MCA) gives your business a lump sum of capital in exchange for a share of your future revenue. Unlike a traditional loan, repayment flexes with your sales — slow weeks mean smaller payments. FynFund connects you to the largest MCA funder network in the country and negotiates the best rate for your business profile.
Seasoned operators with consistent revenue qualify for the best tier funders. Typical factor rates for 5+ year businesses range 1.15–1.35, meaningfully below new-business rates.
For clean files with complete bank statements, approvals hit the same day and funds wire within 24 hours. Most deals close in 48–72 hours.
Daily, weekly, or bi-weekly ACH. Payments flex with your revenue — never a fixed bank payment on a slow week.
We pull a soft inquiry to match you with funders. Your personal credit score is untouched while you compare offers.
Unsecured against your personal assets. Qualification is based on your business bank statements and revenue history, not real estate or equipment.
Instead of calling 15 funders yourself, we send your file to every relevant lender in our network and negotiate on your behalf.
Online application, no SSN required upfront, soft pull only. We ask just enough to match you accurately.
Your dedicated specialist submits your file to the funders best-matched to your revenue profile.
Most merchants receive 3–8 offers within 24 hours. We explain the factor rates, daily pay, and total cost in plain English.
A merchant cash advance isn't a loan in the legal sense — it's a purchase of your future receivables. That structure is what gives MCAs their speed and flexibility: there's no regulated interest rate cap, no bank approval committee, and repayment scales with your revenue. The flip side is that factor rates (typically quoted as 1.15 to 1.50) can translate to a high effective APR, especially on shorter terms. For seasoned operators with 5+ years of verifiable revenue, FynFund consistently places deals at the lower end of that range.
When does an MCA make sense? The clearest cases: you need capital fast (payroll Friday, inventory before Q4, emergency equipment replacement), your bank said no but your revenue is strong, or you want to capitalize on a short-term opportunity where time matters more than cost. It's less ideal for long-term growth capital where a SBA loan or term loan at 10–15% APR would be cheaper — assuming you have the 2–3 months it takes to close.
FynFund's role: we're not the lender. We're the broker that matches your deal to the right funder in a network of 100+ MCA and alternative lenders. You submit once, we shop your file, and you compare real offers side-by-side. We get paid by the funder when a deal closes — never by you.
Why established businesses get better MCA terms: funders price risk. A business with 5 years of revenue history and clean bank statements is a dramatically lower-risk profile than a 6-month-old startup with uneven deposits. That risk difference shows up as lower factor rates, longer repayment terms, higher approval amounts, and access to reverse consolidation and stacking options that new businesses simply can't get.
If you've been around 5+ years, you've earned your stripes — you shouldn't be quoted the same rate as a 1-year business. FynFund makes sure the funders competing for your deal know exactly how established you are, and prices accordingly.
A lump sum of cash your business gets in exchange for a share of future sales. You repay a fixed amount (the lump sum times a factor rate like 1.25) over a set term, usually 3–18 months, through daily or weekly ACH withdrawals from your business bank account.
For clean files with 3 months of bank statements ready to go, same-day approvals are common and funds wire within 24 hours. Most deals close in 48–72 hours once offers are accepted.
Many MCA funders in our network work with personal FICO scores as low as 500. We also place A, B, C, and D paper deals. Your business's revenue and time-in-business weigh more than personal credit.
No. FynFund uses a soft credit pull to match you with funders — your credit score is not affected. Some final funders may do a hard pull at contract stage, but only with your explicit approval.
Most 5+ year businesses qualify for $50,000 to $500,000 on their first MCA. Businesses with $500K+ monthly revenue can access $1M–$2M in advances.
For seasoned merchants with clean bank statements, factor rates typically range from 1.15 to 1.35. Rates depend on your monthly revenue, industry, and repayment term. We negotiate the lowest rate available to your profile.
Yes. Many funders in our network offer early-payoff discounts. We'll specifically negotiate early-payoff terms upfront if that's important to you.
FynFund is a broker — we connect you to a network of 100+ MCA and alternative lenders. You get multiple offers from the actual funders, and we negotiate terms on your behalf. We're compensated by the funder when your deal closes, not by you.
Absolutely. Military veteran-owned businesses are welcome. Several funders in our network offer preferred terms for veteran-owned businesses, and we'll actively route your file to them.
All industries with verifiable revenue: trucking, restaurants, retail, construction, medical, auto repair, salons, manufacturing, professional services, and more. We maintain industry-specific funder relationships to get you the best match.
Soft credit check. No SSN required upfront. Free to apply. Match with up to 20+ lenders in minutes.
Get Pre-Qualified — Free