Any business capital outside a traditional bank loan: revenue-based advances, online lines of credit, equipment financing, factoring and marketplace offers. Decisions are faster and lean on bank activity.
Check my optionsFinancing options
Any business funding that does not come from a traditional bank loan counts as alternative: online lenders, revenue-based funders, merchant cash advances, factoring companies and marketplaces that connect you with several of them.
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.
A person reviews your revenue, time in business and bank activity, often within hours.
Net cash, total payback and payment shown before you sign.
A human reads the file, not just an algorithm score.
Your file goes to funders that fit it, so offers can be compared.
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.
What these options share is how they decide. Instead of years of tax returns and collateral, they read recent business activity, mainly bank deposits, balances, existing payments and time in business. That is why decisions can come the same day and funds can arrive the next business day.
The products differ in how you repay. Merchant cash advances collect a share of sales or a fixed daily or weekly amount until a set total is paid. Revenue-based financing ties payments to revenue. Online lines of credit charge only on what you draw. Factoring advances unpaid invoices, and equipment financing is secured by the equipment itself.
A marketplace such as Merchant Fund Express sits in the middle: one application reaches several funders, so you can see more than one offer and choose the structure that fits your cash cycle instead of accepting the first product someone happens to sell.
When comparing alternative funders, ask each one the same four questions in writing: what is the total payback, how often are payments collected, what happens if sales drop and what happens if I pay early. Identical questions produce answers you can compare side by side.
Here is a typical alternative-funding offer broken down line by line. The numbers are illustrative.
| Amount funded | $50,000 |
| Factor rate | 1.20 |
| Total payback (amount × factor) | $60,000 |
| Fees deducted at funding (3%) | $1,500 |
| Net cash you receive | $48,500 |
| Weekly payment over 36 weeks | $1,667 |
| Same total as daily debits (~180 business days) | $333/day |
Illustrative numbers only. Your offer depends on your file; always compare net cash and total payback in writing.
| Who decides | Funder underwriters vs. bank loan committee |
| What they read | Bank deposits vs. tax returns and collateral |
| Speed | Same day to a few days vs. weeks |
| Cost | Higher vs. lower |
| Flexibility | Credit from 500 vs. strong credit required |
Good fit:
Probably not yet:
Some products are loans, like online term loans. Merchant cash advances are usually structured as a purchase of future receivables, which changes how they are regulated and repaid.
Restaurants, contractors, retailers, trucking companies, medical practices and service businesses that need speed or do not fit bank criteria.
Look for clear written terms, a physical presence, reviews, and no upfront fees before funding. Be cautious of guaranteed approvals.
Yes, if the combined payments fit your cash flow and neither agreement prohibits it. Always disclose existing obligations.
One application reaches multiple funders, so offers can be compared on net cash, total cost and payment schedule.
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