Look for written disclosure of total payback, clear fees, no upfront application fees, a real phone line, and no pressure to sign the same day.
Check my optionsFinancing options
A trustworthy financing company is transparent before you sign, reachable after you sign and consistent in how it treats borrowers. A few concrete checks separate legitimate providers from risky ones.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
You can apply at 500; stronger credit opens more products.
A person reviews your revenue, time in business and bank activity, often within hours.
Your file goes to funders that fit it, so offers can be compared.
Net cash, total payback and payment shown before you sign.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
Verify identity first. A legitimate company has a real legal name, a physical business address, working contact details and, where required, registration with the state. Several states now require commercial financing providers or brokers to register or provide standardized disclosures. You can search state business records and, in some cases, licensing databases. A company that will not tell you its legal name or where it operates is a warning sign.
Look at transparency. Before you sign, you should have in writing the amount funded, any fees deducted, the total payback, the payment amount and frequency, the estimated term and the early-payoff terms. A trustworthy provider explains what happens if sales drop, whether reconciliation is available and what counts as default, and answers questions without pressure.
Check behavior from other borrowers. Read recent reviews on several platforms and the Better Business Bureau, paying more attention to patterns and to how the company responds to complaints than to the star rating alone. Search the company name with words like lawsuit or complaint. One unhappy review is normal; repeated complaints about undisclosed fees or aggressive collections are not.
Finally, watch for red flags: upfront fees before funding, guaranteed approval regardless of revenue, demands to sign within minutes, requests to pay with gift cards or wire money to an individual, and offers that change at signing. MFE operates as a marketplace that sends one application to multiple funders, with offers presented in writing; whichever company you choose, apply these checks before you share documents.
A trustworthy offer shows every number up front, like this one. Illustrative numbers.
| Amount funded | $125,000 |
| Factor rate | 1.35 |
| Total payback (amount × factor) | $168,750 |
| Fees deducted at funding (3%) | $3,750 |
| Net cash you receive | $121,250 |
| Weekly payment over 32 weeks | $5,273 |
| Same total as daily debits (~160 business days) | $1,055/day |
Illustrative numbers only. Your offer depends on your file; always compare net cash and total payback in writing.
| Legal name and address | Verifiable in state records |
| State registration or disclosures | Where required |
| Written offer with all costs | Before signing |
| Review patterns and responses | Several platforms, recent |
| No upfront fees | Legitimate funders deduct at funding, if at all |
Good fit:
Probably not yet:
Verify its legal name and address, check state registration where required and get all terms in writing.
No, legitimate funders do not charge fees before funding; any fees are typically deducted at funding.
Several platforms plus the BBB, focusing on patterns and complaint responses.
A standardized summary of cost and terms required in some states.
Yes, a legitimate offer allows time to read and compare.
Searching the company name with lawsuit or complaint is a quick screen.
Example uses for illustration only.
Before you apply:
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding