Toll Free 1.833.247.LOAN

fundu is the nations leader in providing revenue - merchant cash advance based ​funding to the underserved business community that can not obtain traditional ​business funding.

What is a Merchant Cash Advance?

A merchant cash advance - also called an MCA, is not a ​loan but an advance of cash based on your business's ​future revenues. You pay this advance with an ​automated withdrawal via ACH directly from your ​business banking account. The amount is set ​beforehand with a percentage of your daily bank ​balance (usually daily or weekly, but terms and ​qualifications can vary). Merchant cash advances are ​ideal for small businesses that require capital quickly to ​cover cash flow swings or short - term high - yield ​investments. When opportunity strikes, that's where ​revenue-based business advances like this one shine.

Happy business owner at a restaurant with her staff

How does a Merchant Cash Advance Work?

Small business owners couple

Small businesses depend on constant and sufficient ​availability of cash to keep running. With this liquidity, the ​company can thrive in the sea of operating expenses and ​take advantage of opportunities due lack of investment ​capital. For example, your business may need more ​goods and supplies or pay for equipment repair, or a ​project requires some upfront spending.

After applying for an advance, fundu looks at the average ​worth of deposits to your business banking account that ​can be considered revenue. We then decide how much ​advancement you should receive at a specific factor rate. ​Your advance should be in your business bank account ​between one and three days after starting the process. ​After that, you will repay your advance by releasing an ​agreed-upon percentage of your future sales.

Depending on your agreement with fundu , you could ​repay your advance daily and sometimes weekly. Also, it's ​refreshing to know that your payback will only take a ​specific amount based on the agreed-upon percentage, ​so you always know what to expect.

Merchant Cash Advance Payback & Factor Rate?

Business Owner Packing Cardboard Box for Shipping

The payback rate of an MCA is the percentage of advance that the business will pay back in addition to the ​actual worth of the advance. For example, if an advance of $10,000 has a factor of 45%, the business will ​pay back the advance amount plus the factor rate. That is $10,000 + $4,500 (45%), amounting to $14,500 in ​total payback.

Another way of referring to the cost of capital is the "factor rate," which is essentially the same as the payback ​rate. You can find out the total payback amount for an MCA by multiplying the factor rate by the principal. ​Using our previous example, a principal of $10,000 multiplied by a factor rate of 1.45 will give a payback amount ​of $14,500. Payback/factor rates vary based on several factors.

How does a revenue advance work?

Pizza maker topping the pizza with mozzarella cheese

Securing funding for a small business can be ​challenging, particularly during crucial times ​when financial support is needed the most. ​Traditional lenders, such as banks, typically ​subject applicants to lengthy approval processes, ​exacerbating the difficulty.

Enter the revenue advance ~ merchant cash ​advance, a solution that addresses this challenge. ​Unlike traditional avenues, a revenue advance ​streamlines the funding process by assessing a ​business's historical debit and credit card sales. ​This evaluation forms the basis for providing an ​advance tied to anticipated future sales, ensuring ​a rapid injection of funds.

Upon approval, repayment is facilitated through deductions from the merchant account or linked bank ​account, usually through daily or, in some cases, weekly direct debits. Notably, certain merchant cash ​advances adjust payment amounts based on the business's sales volume. In periods of lower sales, the ​repayment amount decreases, offering a flexible arrangement beneficial for managing cash flow.

It is crucial to evaluate the consistency of your cash flow and assess whether your merchant account will ​have sufficient funds daily to accommodate periodic payments. This consideration ensures a smoother ​and more sustainable financial arrangement for your business.

Why Have More Than 10,000 + Businesses Chosen fundu?

As a provider of fast and reliable working capital, we've grown alongside the companies we ​support.

Paper with a Pen

Easy Application Process

Simple online application completed within minutes.

Same Day Clearing Icon

Same Day Decision

Easy and fast so you can focus on running your business. Grab our proposal and explore ​your options. COMPLETELY FREE OF CHARGE.

Fast Time Icon

Fast Funding

Funds automatically deposited into your business account the moment you decide to ​move forward.

Get Started With a Merchant Cash Advance

Provide basic information about your business. If approved, you can request funds

and receive them in your account in as fast as 24 hours.

Minimum Qualifications

  • 500 + credit score

  • 3+ months in business

  • $3,000 in gross monthly revenue

  • Owned and operated in the U.S.

  • No open bankruptcies.

  • Minimum deposit frequency of 4 or 5 ​per month, depending on your ​industry.

What You Need To Apply

  • Complete a 90 Second Application

  • Bank statements for past 4 months

  • Copy of VOIDED Check

  • Copy of legible photo ID

  • Business is in good standing
Attractive smiling business woman
Check Circle

Merchant Cash Advance


  • Fast access to cash
  • Flexible repayment terms
  • Excellent credit not required
  • Wide range of use of funds
  • No collateral required
Green Check Mark and Red Cross Icon Set. Approved Icon. Circle and Square. Sticker with Tick. Tick Symbol in Green Color. Vector Illustration.

Merchant Cash Advance


  • Expensive compared to other options
  • Minimum daily payments may hurt cash flow
  • Doesn’t help build business credit
  • May lock-in merchant processor
  • Must accept debit and or credit cards
Male Business Owner

What Other Business Owners Say

“I already had an existing dry cleaning business in another city, and an opportunity came to expand. We ​tried to go through traditional banks and private lenders, but unfortunately, the experience was very ​difficult and the terms were even harder. I called fundu, and within two days I was able to get the funds that ​I needed. We were able to improve our business and the process was very, very easy.”

Woman Smiling at Camera

Manuela Fuentes. Cleaners. Miami, FL

“I own a small but well know pizza place in NJ. Right before the weekend, our main stove broke. No way to ​repair. Our service technician contacted us with fundu. Mr Pineyro started the process on Saturday ​morning. By Saturday 1pm or so, I had my $15,000 wired to me. Amazing. I will always use them when I ​need money for my business"


Antonio Russo, Pizza Owner, NJ

“My credit score is low. I needed $20,000 to close on a great business expansion opportunity that was going ​to 5X my investment. I tried your larger internet funding companies and they all denied me for a mmillion ​reasons. A fellow business associate had a great experience with fundu. Skeptical at first and with not much ​hope, I called them. The entire team at fundu made me feel so special. Literally within 1 day, they called me ​in joy saying I was approved for $20,000. I will forver be grateful for them.”

Portrait of a Smiling Woman with Black Hair in Dreadlocks

Latesha Wilkens, SPA Owner, Texas

"fundu gave me the money and attention I needed when I needed it. I was a fairly new business (4 months ​old). My sales were good but my credit was in the low 600's. I was denied elsewhere. I called fundu after ​they were highly recommended from a local business association I am a member of. Besides the fact they ​got me funded for $32,500 they gave me so much attention. They gave me great business advice that I ​follow til this day. Thank you fundu!"

Abigail Rogers, CA, Pet Daycare

About fundu

fundu is dedicated to helping your small or mid-sized ​business succeed by providing quick, easy working ​capital loans from $3,000 up to $500,000 in as little as ​one business day.

1820 Miramar Parkway Suite 110

Miramar, Florida 33025

(844) 247-5626

Corporate Email

Additional Links

Happy business owner

Copyright © 2022 fundu a division of Pineyro Group Of Companies LLC., All rights reserved. | Terms & Conditions - No-Call Policy - Privacy Policy