Companies like Tree of Life Funding
Companies similar to Tree of Life Funding, with its public facts checked October 15, 2026, for owners shopping working capital, term loans and merchant cash advances.
Tree of Life Funding is a Miami company that calls itself a marketplace and growth partner, lists 12 products and states amounts up to $5M+. Similar companies are other marketplaces that take one application, and providers with broad working capital menus. These are the ones we cover with dated, sourced pages.
The marketplace model. Tree of Life Funding says one application reaches 75+ lenders and pairs you with a personal financial advisor. Merchant Fund Express also matches one application with multiple funders. CapFront, GreenBridge Capital and Lendio each describe a marketplace or multi-funder approach on their own sites.
The product menu. Tree of Life Funding lists working capital, merchant cash advances, lines of credit, equipment, term loans, invoice financing, bad credit loans, loans for women, revenue-based financing, payroll funding, a HELOC and an ERTC advance. Merchant Fund Express focuses on working capital: merchant cash advances, lines of credit, term loans, second position funding and buyouts.
What is published. Tree of Life Funding publishes product ranges, APR and factor-rate ranges and minimums, though its pages state different minimums. Merchant Fund Express publishes one credit floor, three tiers, ranges and fees.
Illustrative example: a restaurant owner with 2 years in business and $40,000 a month who wants $80,000 could request a Tree of Life Funding quote and submit one Merchant Fund Express application, then compare APR, fees and total payback in dollars.
| Tree of Life Funding | Merchant Fund Express | |
|---|---|---|
| Model | Self-described marketplace and growth partner; 75+ lenders cited | Marketplace, one application |
| Based in | Miami, FL (12000 Biscayne Blvd) | Miami, FL |
| Amounts | Up to $5M+ (homepage); $10,000 to $500,000+ (llms.txt) | Line of credit $10K to $350K; term loan $10K to $250K |
| Revenue minimum | $30,000+ a month (homepage); $10,000 for an MCA (llms.txt) | $25,000 a month for Tier 1; $60,000 total revenue-based |
| Credit minimum | Varies by page and product | 500 |
| Early payoff | Not published for MCAs | Discounts at 30, 60 and 90 days |
| Trustpilot | 4.3 from 10 reviews | Not covered on this page |
Sources: treeoflifefunding.com (homepage), /who-we-are, /products/business-term-loans, /products/merchant-cash-advance, /compare/ondeck, llms.txt, llms-full.txt and Trustpilot; checked October 15, 2026. Tree of Life Funding is a trademark of its owner; Merchant Fund Express is not affiliated.
Match your situation to each provider’s published range, then compare written offers on APR, every fee, total payback, payment frequency and term. A “from” rate or an “up to” amount is the best case; your written offer is the only number that counts.
Good fit:
Compare first if:
Which company funds the deal? Marketplaces route your file to another company. Ask whose name is on the contract.
Which minimum applies? Tree of Life Funding’s pages state $30,000+ a month in some places and $10,000 in others. Ask which figure your file is measured against.
What is the total payback? A factor rate of 1.3 on $100,000 means $130,000 repaid, as Tree of Life Funding’s own llms.txt explains. Ask for the dollar total and the APR.
What does early payoff save? Its llms.txt says most merchant cash advances do not discount early payoff. Merchant Fund Express publishes discounts at 30, 60 and 90 days.
How is it repaid? Daily holdbacks of 10% to 20% of card sales, as its MCA page describes, feel very different from a fixed monthly payment. Match the schedule to your deposits.
Instead of applying to each company separately, one Merchant Fund Express application is matched with multiple funders. Credit from 500, same-day decisions, funding typically the next business day.
Other marketplaces and working capital providers, such as CapFront, GreenBridge Capital, Lendio, National Funding and Merchant Fund Express.
Merchant Fund Express. Tree of Life Funding lists 12000 Biscayne Blvd, Miami.
Merchant Fund Express publishes 500. Tree of Life Funding’s credit figures vary by page and product.
Yes, a marketplace can return several offers from one application.
The APR including fees, the total payback, payment frequency and the term.
Same-day decision. Applying takes a few minutes and will not affect your credit score.
