About InstaFunding
Underwriters first. Everything else second.
InstaFunding LLC has deployed more than $500 million to small businesses across the country. We got there by doing one thing with discipline: reading a business's real numbers and structuring capital around them, fast.
What we actually do
We purchase future receivables from operating businesses. That means our capital is tied to your revenue — the thing you control — rather than to collateral schedules and covenants. It's a structure built for businesses that are moving faster than the banking system.
How we decide
Every file is reviewed by underwriters who look at real performance: deposits, revenue consistency, industry dynamics, and existing obligations. We size and structure to what the business can support. Disciplined structuring is how we've been able to say yes quickly, at scale, for years.
How we work
Direct. You deal with decision-makers, not call-center scripts. Applications get answers in hours because the people reviewing your file have the authority to act on it.
Where we are
Headquartered in Connecticut with operational presence in Florida, New York, and Utah — funding businesses in all 50 states. Term financing, where applicable, is offered through a separate licensed entity in Utah.
Our operating principle
Structure over promises. We don't tell businesses what they want to hear — we show them what their numbers support, and we move immediately when the fit is right. That's why businesses come back, and why referral partners keep sending us their best files.
By the Numbers
Track record, not talk
Your receivables are an asset. Put them to work.
Join the businesses that have accessed $500M+ through InstaFunding.
Apply in MinutesAll funding is contingent on underwriting review and approval. Terms vary by business. Information on this site is illustrative only and not a commitment to purchase receivables or provide financing. A merchant cash advance is a purchase of future receivables — not a loan.