Choose Your Financing Structure
Merchant Cash Advance
Receive a lump sum upfront and repay through a small percentage of your daily credit/debit card sales. When business is slow, you pay less. When it's booming, you pay it off faster.
- No fixed monthly payments
- Repayment tied to daily sales
- Minimal documentation required
- Ideal for businesses with consistent card sales
- Approval based on revenue, not just credit
Best For: Retail, restaurants, e-commerce, service businesses
Business Term Loan
A structured loan with fixed daily or weekly payments over a defined term. Know exactly what you owe and when it ends — perfect for planned business investments.
- Fixed repayment schedule
- Competitive factor rates
- Ideal for planned investments
- Equipment, expansion, or hiring
- Clear start and end date
Best For: Businesses with a specific capital need and clear ROI
Business Line of Credit
Access a pre-approved credit limit and draw funds whenever you need them. Only pay for what you use. As you repay, your available credit replenishes automatically.
- Draw only what you need
- Pay interest on drawn amount only
- Revolving — replenishes as you repay
- Great for managing cash flow gaps
- Available on demand
Best For: Seasonal businesses, agencies, contractors with variable cash flow
Revenue-Based Financing
Receive growth capital in exchange for a percentage of future monthly revenue. No fixed payments — your obligation scales with your income.
- Repayment scales with revenue
- No fixed monthly obligation
- Higher funding amounts available
- Ideal for high-growth businesses
- No equity dilution
Best For: SaaS companies, agencies, high-growth businesses with recurring revenue
Basic Eligibility Requirements
We've kept our requirements simple. If your business is generating revenue, there's a good chance we can help you access capital.
6+ months in business
We work with newer businesses on a case-by-case basis
$10,000+ monthly revenue
Consistent revenue is more important than the exact amount
Active business bank account
3–6 months of statements typically required
No open bankruptcies
Prior bankruptcies may still qualify depending on circumstances
U.S.-based business
All 50 states supported
Frequently Asked Questions
How quickly can I get funded?
When we receive a complete application, a decision is made in under 10 minutes. Once approved and documents are signed, funds are typically deposited the same business day.
Will applying affect my credit score?
No. Our initial application process uses a soft credit inquiry, which does not affect your credit score. A hard inquiry may be required before final funding, and we will always notify you and obtain your consent before running one.
What documents do I need to apply?
Most applications require 3–6 months of business bank statements, a valid government-issued ID, and basic business information. Some products may require additional documentation depending on the amount and type of financing.
Can I apply if I have bad credit?
Yes. We evaluate your application primarily based on your business revenue and cash flow, not just your credit score. Many clients with credit scores below 600 have successfully received funding through FUND ONE.
Are there prepayment penalties?
It depends on the product. Merchant cash advances and revenue-based financing have no traditional prepayment penalties. Business term loans may have early payoff discounts. We will always explain all terms before you sign.
How much can I borrow?
Funding amounts range from $5,000 to $2,000,000 depending on the product and your business profile. Your dedicated advisor will help identify the right amount and product for your situation.