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FundFi Merchant Funding

Broker-only merchant cash advance from a New York direct funder. No published factor rate (≈109% APR at a typical 1.30 factor, not a FundFi quote). Same-day approval.

Cash Advances:
Merchant Cash Advance
Tags:
#Sales-secured (hybrid)#Va Registered (2024)

Rates & Cost

What the financing costs, normalized so lenders can be compared.

Estimated APR:
38% to 174% APR on a 1.10 to 1.50 factor over 6 months (Lender List est.; about 109% at 1.30); lender does not publish (third-party MCA norm: 40% to 350%)
Pricing (as quoted by lender):
Factor rate set per offer; lender does not publish rates, holdback or fees (third-party MCA norm: factor 1.10 to 1.50, holdback 5% to 20% of card sales)
Cost to borrow $100K for 6 months:
≈$30,000 (assumes a 1.30 factor, the midpoint of NerdWallet's 1.10 to 1.50 MCA range, not a FundFi quote, repaid over 6 months)
Fees:
Lender does not publish
Early payoff:
Lender does not publish
Pricing transparency (0-3):
0

Repayment Terms

How and how fast you pay it back, and how flexible it is.

Term:
Lender does not publish (third-party MCA norm: 3 to 18 months)
Repayment schedule:
Daily or weekly ACH debits sized as a share of revenue (United Capital Source)
Flexibility in slow months:
Low to Medium — reconciliation policy not published; payments are revenue-based

Eligibility & Access

Who qualifies and what you have to put on the line.

Funding amount:
Lender does not publish
Minimum revenue:
Lender does not publish
Minimum time in business:
Lender does not publish (third-party norm: 6 to 12 months)
Credit check:
Lender does not publish
Personal guarantee:
Lender does not publish
Collateral & lien:
Lender does not publish (UCC lien not stated)

Speed & Service

How fast you get funded and how the lender treats you.

Time to funding:
Same-day approval (lender-stated); funds typically within 1 business day of approval (United Capital Source)
Lender status:
Active (re-checked 2026-10-27) — direct funder; accepts deals only through ISOs/brokers (no direct applications)

Company Verification

Who actually stands behind the lender: legal entity, registration, and how long the business and its website have existed. Checked against public registries.

Website domain registered:
Aug 2020
Share on:

Best for: Broker-led businesses wanting a fast advance from a funder using its own money.

Not for: Owners who want to apply directly or see published prices.

Lender List verdict: FundFi Merchant Funding is a New York MCA funder that uses its own capital and approves broker-submitted deals the same day. It publishes no pricing; at the 1.30 midpoint of typical MCA factor rates (not a FundFi quote), a six-month advance runs about 109% APR.

FundFi Merchant Funding at a glance

FundFi Merchant Funding
Lender typeDirect MCA funder; accepts deals only through ISOs and brokers
Founded / HQ2020 / New York, NY (second office in Alabama)
AmountsLender does not publish
CostNot published; about 109% APR at a typical 1.30 factor (est.)
Funding speedSame-day approval; funds within 1 business day
StatusActive (October 2026)

What is FundFi Merchant Funding?

FundFi Merchant Funding, LLC is a New York company, founded in 2020, that advances cash to small businesses in exchange for a share of their future revenue. It is backed by a national-bank credit facility and a second line of credit, both arranged in 2023.

How the FundFi Merchant Funding advance works

FundFi Merchant Funding reaches merchants only through independent brokers, who earn a commission once a deal funds.

  • Approval: same-day decisions; funds usually arrive within one business day.
  • Repayment: daily or weekly ACH debits sized to revenue.

FundFi Merchant Funding rates and fees

FundFi Merchant Funding does not publish factor rates, holdback, terms or fees; NerdWallet puts typical MCA factor rates at 1.10 to 1.50 over 3 to 18 months.

Worked example: $50,000 × 1.30 = $65,000 payback ($15,000 cost). Over 126 daily debits (about six months) that is $515.87 a business day, roughly 109% APR. Across 1.10 to 1.50, six-month APRs span about 38% to 174%.

Merchant cash advance rules that protect you

New York requires an estimated APR on offers up to $2.5 million, and Virginia requires sales-based funders to register (FundFi was listed in 2024). FundFi does not publish its confession-of-judgment, stacking, UCC-lien or early-payoff terms; ask your broker for each in writing.

FundFi Merchant Funding requirements

FundFi Merchant Funding publishes no minimums; brokers submit bank statements.

RequirementFundFi Merchant Funding minimum
Personal credit scoreLender does not publish
Time in businessLender does not publish (third-party MCA norm: 6 to 12 months)
Annual revenueLender does not publish
Credit checkLender does not publish
Collateral / guaranteeLender does not publish

Compare New York funders Kapitus and Fora Financial, or the MCA category.

Frequently asked questions about FundFi Merchant Funding

Is FundFi Merchant Funding legit? Yes, it appears real and active. It has operated since 2020, arranged credit lines in 2023 and expanded in 2025. FundFi Merchant Funding reviews are few: United Capital Source reported a 4.3/5 Google rating from 23 reviews (August 2026). We found no BBB or Trustpilot profile and no regulatory actions.

Is FundFi Merchant Funding a direct lender or a broker? It is a direct funder that advances its own capital, but it works wholesale: merchants reach it only through ISOs and brokers. It sues in its own name as a judgment creditor (Kings County, 2024). Your contract should name FundFi Merchant Funding, LLC as the funder.

What happens if my sales drop? FundFi does not publish a reconciliation policy. Repayments are daily or weekly ACH debits sized to revenue (United Capital Source), and many MCA contracts let you ask for an adjustment based on actual deposits. Get that clause in writing before signing.

Can I apply to FundFi Merchant Funding directly? No. Its website offers only an ISO contact form and promises same-day approvals; there is no merchant application. An independent broker must submit your file, so compare that offer with a direct-apply funder.

Last verified 2026-10-27. Pricing and terms are provider-stated or third-party-reported and vary by offer; confirm with the lender before applying.

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