Frequently asked questions

No. A merchant cash advance from InstaFunding is the purchase of a specified amount of your future receivables at an agreed Purchase Price. You receive capital upfront; we receive remittances from the receivables your business generates. Because it is a purchase — not a lending transaction — there is no interest, no principal balance, and no fixed term. Term financing, where a business prefers it and qualifies, is available only through a separate licensed entity.

Most complete files get a decision the same business day. After approval and signed agreements, funding typically arrives in 24–48 hours by wire or ACH. The biggest variable is how quickly we receive your bank statements — have your last 3–4 months ready and you're in the fast lane.

Your business's actual performance: average monthly revenue, deposit frequency and consistency, time in business, industry, and any existing funding positions. Owner credit is a data point, not the decision. We fund businesses that banks decline every week — because we read the business, not just the score.

Often, yes. Tell us about existing positions in your application — accurately. Our underwriters evaluate your total obligations against your revenue and will tell you honestly what your file supports. Full transparency gets you the best structure and the fastest answer.

Because the transaction is a purchase of receivables, remittances are tied to the receivables your business generates. If your revenue changes materially, contact us — our agreements include a reconciliation mechanism, and our team works with merchants on documented changes in circumstances. The right first move is always to communicate early.

To start: the application plus your last 3–4 months of business bank statements. Depending on the file, underwriting may request additional items — for example a voided check, driver's license, or proof of ownership. Most merchants have everything on hand already.

Reviewing your options does not require a hard credit inquiry. If your file proceeds, any credit review performed as part of final underwriting will be handled as described in your agreement and disclosures.

Nearly any business with consistent revenue: restaurants, construction, trucking, retail, healthcare, auto, e-commerce, manufacturing, professional services, and more. A small number of business types fall outside our guidelines — the fastest way to find out is to apply.

Sizing is driven by your revenue and deposits — not a one-size-fits-all chart. Structures commonly range from tens of thousands to seven figures for larger operations. Your specified amount and Purchase Price are set in your agreement after underwriting review.

Application data is transmitted over an encrypted connection and handled per our Privacy Policy. We use your information to underwrite your file — not to sell lists.