The perfect combination between speed and service


Applying for a Merchant Cash Advance is quick and straightforward. Just fill in some essential details and securely log into your bank account. This allows us to evaluate your financial transactions and determine your eligibility without affecting your personal or business credit score.


After applying, our experienced team carefully reviews the information provided to gain a complete understanding of your business by connecting you with a dedicated client representative who will guide you through the verification process. This step involves a discussion over the phone, where we aim to gather any additional details necessary to finalize your MCA approval.

Get Your Funding

Congratulations! You can expect a swift and hassle-free funding process after your Merchant Cash Advance (MCA) approval is finalized. Once funding is granted, we promptly initiate an electronic deposit of the funds directly into your designated bank account so you have access to your funds when you need them—now. Unlike other forms of funding, our streamlined system ensures that most approved customers receive their funds within just 1 business day.


Absolutely. At FundoMax, we are committed to the highest standards of security and reliability when it comes to your information when applying for an Merchant Cash Advance (MCA). We store all your data in a secure CRM that is housed on a robust, encrypted cloud platform. This system ensures that no information is saved to local computers, safeguarding your data against potential breaches. Moreover, we do not share or sell any data to third parties, maintaining the strictest privacy standards. When you choose FundoMax for your Merchant Cash Advance (MCA) needs, you’re choosing a secure and reliable partner.

Yes, your email and the information contained within are highly secure when sent to FundoMax. We adhere to a rigorous cybersecurity policy and utilize the latest, most advanced security software to protect all data shared with us. From the moment you initiate contact with us regarding a Merchant Cash Advance (MCA), all communication and data transmission happens within a secure digital environment. Whether it’s your personal information or sensitive business data, all your details are encrypted and stored securely. Our system is continually updated to guard against potential security threats, and we maintain strict confidentiality protocols to ensure your information isn’t shared or misused. So, when you communicate with FundoMax for your Merchant Cash Advance (MCA) needs, you can do so with complete peace of mind, knowing your information is well-protected.

Personal loans typically rely on your credit score and personal income to determine eligibility. Business loans, including Merchant Cash Advances (MCAs), consider a broader range of criteria for evaluation. Lenders take into account how long you’ve been in business, your industry, monthly gross sales, predicted future credit card sales, and even your bank account activity. They also look at your credit card processing history, making it advisable to submit your credit card payment history, along with your bank statements for a quick and accurate Merchant Cash Advance (MCA) quote.

The terms of financing vary depending on the specific program you choose. Some options in our lender network do not require a personal guaranty or collateral, while others might. These details are determined based on the type of financing you are seeking. Our funding experts will clearly communicate all these details to you, both verbally and in writing, to ensure you understand the terms of your Merchant Cash Advance (MCA).

No, there isn’t. In fact, many of the funding programs offered by FundoMax’s lender network include a discount for early payoff. This can result in substantial savings for you, making the early repayment of your MCA a potentially advantageous strategy.

FundoMax does not charge any other interest rates, additional fees or closing costs when setting up merchant cash advances. We believe in transparency and affordability when it comes to obtaining a business cash advance.

Our network of lenders operates efficiently to ensure you receive a decision on business financing as soon as possible. In some cases, approvals and funding can occur in as little as 24 hours. Typically, you can expect to hear back within 2-4 business days.

While the eligibility criteria can vary depending on the specific lender in our network, many Merchant Cash Advance providers do require businesses to have been operational for a minimum period, often one year. This helps to demonstrate a track record of credit card sales which is a key factor in the MCA approval process. However, there may be exceptions, and we encourage businesses of all stages to apply. FundoMax will work with you to find the best solution to fit your specific needs.

At FundoMax, we take data protection very seriously. In the event that your application for a small business loans or Merchant Cash Advance (MCA) is declined, any printed information pertaining to your application is immediately shredded. We then securely dispose of all shredded documents, maintaining the utmost confidentiality and security of your personal and business data.

FundoMax, through its network of lenders, offers an extensive array of repayment options for our small business owners through funding products such as Merchant Cash Advances (MCAs). We understand that every business is unique, with its own cash flow patterns and financial needs. That’s why we provide flexible repayment schedules to suit your business’s unique needs. We offer daily, weekly, semi-monthly, and monthly repayment options, allowing you to choose a schedule that aligns with your business’s income cycle.

For instance, a business doing credit card transactions with high daily transaction volumes may prefer a daily repayment plan for their Merchant Cash Advance (MCA), while another business with significant monthly revenue may find a monthly repayment schedule more suitable. We aim to provide repayment plans that integrate seamlessly into your existing financial structure, reducing the burden on your cash flow. By offering flexible repayment options, we ensure your business can continue to operate smoothly while repaying the MCA, making the process as manageable and stress-free as possible.

To expedite the approval and funding process for your Merchant Cash Advance (MCA), we encourage you to submit all requested documentation within one day of submitting your initial application. Quick, thorough responses can greatly speed up the process and get the funds into your hands more quickly.

Yes, it is possible to qualify for a MCA based on future credit card sales if you already have a business loan. A qualified FundoMax representative will review your current financial situation with you to find a program that fits your needs and circumstances, without overextending your business. We work to provide solutions, like merchant cash advances, that align with your business’s financial capacity.

No, FundoMax does not charge any fees to apply for any of the small business loan programs, merchant cash advances, or business cash advance programs our network of lenders offers. We are committed to making the process of obtaining an MCA as straightforward and affordable for small businesses as possible.

While credit scores can play a role in some financing decisions, it’s not the only factor for most business lenders. The strength of your business, measured by various factors like time in business, monthly gross sales, and industry type, is often much more critical. When applying for a Merchant Cash Advance, rest assured that we take a holistic view of your business’s financial health.

No, there are no hidden fees when applying for a Merchant Cash Advance (MCA) through FundoMax. Our goal is to maintain full transparency throughout the process. We do not charge application fees or any upfront costs to apply for our small business loan programs, including MCAs. Any fees associated with the merchant cash advance companies, such as the factor rate and origination fee, will be clearly outlined in your funding agreement.

Typically, a Merchant Cash Advance (MCA) does not directly impact your business credit score. MCAs are not traditional loans and repayments are tied to your future sales or credit card sales. Since most MCA providers don’t report to credit bureaus, taking an MCA won’t usually affect your business credit score. However, it’s important to understand that if an MCA leads to cash flow issues and you become delinquent on other debts, that could potentially harm your credit score. As with any financial decision, it’s important to understand the terms and implications fully before proceeding.

Apply now and get one of our Assistants to guide you through the process online