Capital Structured Around How Your Business Actually Runs
One application. Multiple ways to structure capital. Our underwriting team matches the solution to your revenue profile — not the other way around.
Merchant Cash Advance — Purchase of Future Receivables
Our flagship solution. InstaFunding purchases a specified amount of your business's future receivables at an agreed purchase price, delivering working capital to your account in as little as 24 hours. Remittances are tied to your receivables — a structure built around your revenue, not a rigid amortization schedule. This is a commercial transaction, not a loan, and no interest is charged.
Who It's For
- Businesses with consistent monthly deposits
- 6+ months in business
- Operators who need speed and certainty
- Businesses banks decline or slow-walk
How It Works
- We review your recent bank statements
- We purchase a specified amount of future receivables
- You receive the purchase price upfront — in 24–48 hours
- Remittances flow from future receivables as generated
Key Advantages
- Fastest path to capital we offer
- Revenue-based underwriting, not credit-score-driven
- Minimal documentation
- Renewal eligibility as receivables are generated
All transactions are subject to underwriting review and approval. Purchase amounts, purchase price, and specified amounts vary based on business performance. Nothing herein is an offer or commitment to provide funding.
Revenue-Based Financing
Flexible growth capital where remittances scale with your revenue. Ideal for businesses with strong but variable top lines — you get meaningful capital without a structure that ignores seasonality.
Who It's For
- Growing businesses with seasonal or variable revenue
- E-commerce, retail, hospitality, services
- Operators funding growth initiatives with measurable return
How It Works
- Capital sized against your trailing revenue
- Remittances flex with business performance
- Underwritten on deposits and cash-flow consistency
Key Advantages
- Structure aligned with revenue reality
- Fast decisions, minimal friction
- Scales as your business scales
Subject to underwriting review. Terms and structures vary by business profile.
Bridge Financing
Short-term capital that closes the gap between now and a defined liquidity event — a receivable landing, a closing, a contract milestone. When the timeline is clear but the cash isn't there yet, a bridge keeps you moving.
Who It's For
- Businesses awaiting a defined inflow
- Real estate operators between closings
- Contractors between draw schedules
How It Works
- Structured around the specific liquidity event
- Short duration by design
- Rapid underwriting and documentation
Key Advantages
- Purpose-built structure
- Speed measured in days, not months
- Keeps deals and operations on schedule
Availability and structure vary by situation and jurisdiction. Subject to underwriting review.
Asset-Backed Capital
For businesses and real estate operators with hard assets, we structure capital secured by real property or other qualifying collateral. Underwriting focuses on asset value and exit — which means speed even when the story is complex.
Who It's For
- Real estate investors and operators
- Asset-rich businesses with near-term needs
- Situations where conventional financing is too slow
How It Works
- Capital structured against qualifying collateral
- Valuation-driven underwriting
- Clear terms defined before you commit
Key Advantages
- Leverage assets without selling them
- Decisions driven by collateral strength
- Experienced deal structuring
Offered as applicable and subject to jurisdictional requirements, underwriting, and collateral review.
Business Term Loans
For qualifying businesses seeking a traditional installment structure, term loan products are available exclusively through a separate affiliated entity operating under Utah licensing. These products are true commercial loans, offered and documented independently from InstaFunding LLC's receivables purchase business.
Who It's For
- Established businesses with strong financials
- Operators who prefer fixed installment structures
- Longer-horizon capital needs
How It Works
- Offered by a separate affiliated, state-licensed entity
- Independent application and disclosure process
- Standard commercial loan documentation
Key Advantages
- Predictable installment structure
- Access via the same relationship team
- Complements receivables-based capital
Important: Term loans are not offered by InstaFunding LLC. They are offered by a separate affiliated entity licensed in Utah, subject to that entity's own underwriting criteria, disclosures, and applicable law. Availability varies by state. Nothing on this page is an offer or commitment to lend.
Not Sure Which Structure Fits? That's Our Job.
Submit one application. Our underwriting team will match your revenue profile to the right solution.
Start With One Application All funding subject to underwriting review and approval. Terms vary.