Funding Products
Structures built around how your business actually earns
One application. Multiple ways to structure capital. Our underwriting team matches the product to your revenue profile — not the other way around.
Merchant Cash Advance
What it is: InstaFunding purchases a specified amount of your future receivables at an agreed Purchase Price, delivered to you upfront. Remittances come from the receivables your business generates going forward. This is a commercial purchase transaction — not a loan, with no interest and no fixed amortization schedule.
- Who it's for: Businesses with consistent monthly revenue that need capital in days, not months — including businesses banks turn away.
- How it works: Apply with recent bank statements → same-day underwriting review → receive your Purchase Price in as little as 24–48 hours after approval.
- Key advantages: Speed, minimal paperwork, underwriting based on real revenue, and remittances tied to the receivables you generate.
Revenue-Based Financing
Who it's for: Growing businesses with strong recurring or seasonal revenue that want remittances scaled to performance.
How it works: Capital is provided against your revenue stream, with remittances that flex with what your business actually generates.
Key advantages: Breathing room in slower months; no fixed debt-style schedule.
Bridge Capital
Who it's for: Businesses with a defined near-term event — a receivable landing, a contract closing, a property sale — that need capital now.
How it works: Short-duration funding structured around the timing of the event that resolves it.
Key advantages: Speed and structure matched to a known exit.
Asset-Backed Options
Who it's for: Businesses with meaningful equipment, inventory, or real estate value that want that value working for them.
How it works: Funding structured against business assets, sized by asset value and business performance together.
Key advantages: Larger amounts than revenue alone may support.
Term Financing
Who it's for: Established businesses that prefer a traditional structure with a set schedule.
How it works: Term loan products are offered exclusively through a separate, independently operated entity licensed in Utah — not by InstaFunding LLC. If a term structure fits your profile best, we'll introduce you.
Key advantages: Predictable schedule; a fit for businesses that qualify and prefer conventional structure.
Not sure which structure fits?
Apply once. Our underwriters will look at your actual numbers and come back with the structure that makes sense — usually the same day.
Capital moves at the speed of decision.
Same-day decisions. Funding in as little as 24–48 hours.
Get Funded NowAll 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.