Pick your lane. $100 to $5,000 for your business.
- Inventory
- Equipment repair
- Payroll week
- Supplier deposit
- Seasonal stock
- Van repair
- A marketing push
- The slow month
Who is already in this lane
Four things, and none of them is a credit score. This is for business use only, never personal, family or household spending. Meeting all four does not mean a funder will make you an offer. It means your request is one we can pass on.
- BusinessA US business or self-employed owner
You are 18 or older and authorized to act for the business. We cannot pass requests from New York.
- TradingAbout 3 months in business
Long enough for a funder to see a pattern in your receipts.
- RevenueAbout $1,500 a month
An advance is bought against future receipts, so a funder looks at what comes in.
- AccountA business bank account
It is where a funder sends the advance and collects the agreed remittances.
- A fee to use FundingLane, ever. Not before, during or after
- Your online banking password
- A perfect credit history before you are allowed to ask
Anyone who contacts you asking for an up-front payment to release an advance is not us, and is not a funder we work with. Report it and stop.
Four moves, start to finish
Where your request goes, who touches it, and the point at which the business is committed, which is later than most owners expect.
- 01
Say what the business needs
An amount and a few details about the business and its revenue. One page, no documents to upload, nothing to print.
- 02
We pass it down the lane
Your request goes to third-party funders in our network. We are not a funder, and we do not decide on it or set its terms.
- 03
A funder answers you
A funder that wants to make an offer contacts you with its terms. It may review your business bank activity first, with your consent.
- 04
You take it or you don't
Nothing is agreed until you sign a funder's Revenue Purchase Agreement. Reading the offer and declining it costs you nothing.
What owners are actually driving to
You are not asked to justify anything beyond confirming the funds are for the business. These are simply the four uses we hear most, and none of them is an emergency in the dramatic sense. They are dates that arrived in the wrong order.
What an advance costs, plainly
- What FundingLane charges you
- $0
- Who sets the price
- The funder
- How the cost is stated
- A fixed amount
- In California
- Disclosures provided
There is no fee to use this site and no fee at any later point, and we never ask for a fee in advance in exchange for a promise of funding. We are paid by a funder when a request we pass on results in a funded advance.
Not us. The factor, the remittance and any fees depend on the funder and on your business's revenue, and they vary between funders.
The purchase price multiplied by a factor, agreed before you sign. An advance is not a loan, so the cost is not interest and it is never expressed as an APR.
In California, funders provide the commercial financing disclosures that California law requires. Read them alongside the agreement before you sign.
See the fixed cost for your amount
Pick an amount, an example factor and your daily receipts. The calculator shows the fixed cost and roughly how long remittance takes. An illustrative example, not an offer.
Open the calculatorStraight answers
Is FundingLane the funder?
No, and this is the one thing worth reading twice. FundingLane is a connection provider. We pass your request to third-party funders in our network; they decide independently whether to make an offer, and they set every term. We are not a party to the Revenue Purchase Agreement you would sign.
Is a merchant cash advance a loan?
No. A merchant cash advance is the purchase of a portion of your business's future receivables, paid to you as a lump sum today. What the business remits is a fixed, agreed amount (the purchase price multiplied by a factor). It is not interest, and it is never expressed as an APR.
Who qualifies?
A US business or self-employed owner who is 18 or older and authorized to act for the business, with about 3 months in business, about $1,500 a month in revenue and a business bank account. Advances are for commercial purposes only, never personal, family or household use. Meeting these does not guarantee an offer.
How much can I ask for, and how is it paid back?
Between $100 and $5,000. The business remits the agreed amount over time, usually as a share of daily or weekly receipts or as fixed debits from the business account, as the funder's Revenue Purchase Agreement sets out. A share-based remittance can flex with revenue.
Does checking my options affect my credit score?
No. Checking your options is a soft inquiry and does not affect your credit score. A funder you are connected with may review your business bank activity, and may run its own checks with your consent, before making an offer.
What does it cost me to use this?
Nothing, at any stage. We never ask for a fee in advance in exchange for a promise of funding. If anyone contacts you claiming to be us and asks for a payment to release an advance, it is not us. Stop, and write to help@fundinglane.net.
Am I committed once I submit?
No. The business is committed when you sign a funder's Revenue Purchase Agreement, and not before. You can read an offer, take your time with it and decline it, and that costs you nothing.
Who will contact me, and can I stop it?
FundingLane, the funders we pass your request to and our marketing partners may contact you by phone, text or email using the details you gave. You can stop email at any time from the unsubscribe link in any message we send, or by writing to help@fundinglane.net.
Which states are excluded?
We cannot accept requests from businesses in New York. In California, funders provide the commercial financing disclosures that California law requires. Availability elsewhere depends on which funders in our network serve your state.
One form.
$100 to $5,000.
For your business, not your household. It takes a few minutes, it costs nothing, and checking does not affect your credit score. What happens after that is a funder’s decision, and then yours.