Business Capital, On Your Terms

Funding that works for
your business.

Independent Funding delivers fast, flexible capital solutions tailored to your business needs. Transparent terms, dedicated support, and funding designed to help you grow — not hold you back.

Apply Now How It Works

◆ Same-day decisions · Transparent terms · Dedicated support

Approved
$150,000
Funded in 24 hours
Factor Rate
1.19
Competitive pricing
$250M+
Capital Deployed
5,000+
Businesses Funded
24 Hrs
Avg. Funding Time
2015
Est.

The Hidden Cost of Complex Funding

Is your funding structure working against you?

📊
Opaque fee structures where the true cost of capital is buried in fine print and confusing terms
🔄
Cookie-cutter programs that don't account for your industry, seasonality, or growth stage
⏳
Weeks of back-and-forth with lenders who don't understand your business model
📵
Zero support after funding — no account management, no strategic guidance, no one to call

Capital should fuel growth,
not create friction.

Independent Funding builds capital solutions around your business — not the other way around. Transparent terms, flexible structures, and a dedicated team that stays with you from application through payoff.

Built for Business

How It Works

Three steps to capital.

From application to funded — a streamlined process built around your timeline, not ours.

01
Step One
Apply
Complete a brief application and upload your recent bank statements. The process takes about 5 minutes. No hard credit pull, no obligation, no pressure.
02
Step Two
Get Your Offer
Our team reviews your application and delivers a transparent offer — typically the same day. You'll see the full cost, payment structure, and terms before making any commitment.
03
Step Three
Get Funded
Once you accept and sign, funds are deposited directly into your business account. Most deals are funded within 24 hours of approval.

Ready to grow your business?
Let's talk capital.

Apply in 5 minutes and get a same-day decision with fully transparent terms.

Apply Now

How It Works

Capital solutions, built around you

From application to funding — here's what makes Independent Funding different.

🏦
Tailored Capital Structures
Every business is different. We take the time to understand your revenue patterns, growth goals, and cash flow needs — then structure funding that actually fits. No one-size-fits-all formulas.
Solutions designed for your business, not a template.
⚡
Fast, Efficient Decisions
Our experienced underwriting team reviews applications quickly and delivers decisions the same day — usually within hours. We value your time as much as you do.
Most deals funded within 24 hours of approval.
🔍
Complete Transparency
You see the full cost of your deal upfront — the factor rate, the total payback, and the payment schedule. No hidden fees, no surprise charges, no fine-print traps.
What we quote is what you pay. Always.
🤝
Dedicated Partnership
From your first conversation to your last payment, you work with a dedicated team. Questions about your account? Need to discuss options? We're a phone call away — every time.
Real relationships, not automated responses.

Our Philosophy

"The best funding relationship is one where both sides succeed. We structure deals that help your business thrive — because your growth is our growth."

Independent Funding was founded on a simple idea: business owners deserve capital partners who are invested in their success, not just their payments.

What sets us apart

✓
Transparent pricing with no hidden fees
✓
Same-day decisions from experienced underwriters
✓
Dedicated account management throughout your term
✓
Flexible structures tailored to your cash flow
✓
A team that answers when you call

Ready to explore your options?

Apply in 5 minutes. Same-day decision. Fully transparent terms.

Apply Now

Capital Solutions

Programs designed for real businesses

Every program has a right fit and a wrong fit. We're upfront about both.

Our Commitment: We match you to the right program for your situation — and we're transparent about costs, terms, and expectations from day one.
📈
SBA & Long-Term Options
Bankable · 5–25 Years
Conventional-rate, long-term financing through SBA programs or bank partners. The gold standard — the lower-cost capital every growing business should aim for. Independent Funding is not a direct lender. SBA and conventional loan products are placed through third-party lending partners who originate and fund the loans.
Best For
  • 680+ FICO with clean history
  • 2+ years in business
  • Stable, documented revenue
Not Yet If
  • Active MCAs or heavy stacking
  • Credit or banking issues unresolved
🏦
Secured Lines of Credit
Long-Term · Revolving
Asset-backed revolving credit — draw what you need, repay, draw again. One of the lowest cost structures available outside of conventional bank financing.
Best For
  • Businesses with 680+ FICO
  • Real estate or equipment assets
  • Companies ready to move beyond short-term capital
Consider Carefully If
  • Collateral is limited or encumbered
📅
Monthly Payment Programs
Stability · 12–36 Months
Lower-frequency payment structure with reduced factor rates. Ideal for businesses with consistent monthly revenue and stronger credit profiles looking to protect daily cash flow.
Best For
  • Established businesses with 650+ FICO
  • Businesses that operate on monthly cycles
  • Companies transitioning from daily programs
Consider Carefully If
  • Significant negative days in statements
  • Heavy existing MCA stacking
🔄
Revenue-Based Financing
Flexibility · Ongoing
Payments flex with your revenue — busier months pay more, slower months pay less. Designed to reduce the strain of fixed payments during natural business cycles.
Best For
  • Seasonal or cyclical businesses
  • Service-based companies
  • Businesses with variable monthly revenue
Consider Carefully If
  • Revenue is already on a downward trend
🔗
Consolidation & Restructure
Relief · Strategic
Combine multiple active positions into a single, manageable payment. Reduce daily cash drain, improve your approval ceiling, and create breathing room for growth.
Best For
  • Businesses with 2+ active positions
  • Companies overwhelmed by daily debits
  • Owners building toward longer-term financing
Not Always Available If
  • Revenue has declined significantly
  • Defaults or UCC liens are present
⚡
Short-Term Working Capital
Speed · 3–12 Months
Revenue-based advance structured against daily or weekly deposits. The fastest access to capital — typically 24 hours from approval to funding.
Best For
  • Immediate operational gaps
  • Seasonal inventory needs
  • Time-sensitive opportunities
  • Businesses with strong daily revenue
Consider Carefully If
  • Cash flow is already tight
  • You are already 50%+ over-leveraged
💡

We'll match you with the right program — honestly.

Our team reviews your application, identifies the best-fit program for your situation, and presents transparent options. If we're not the right fit, we'll tell you straight — no runaround, no pressure.

Apply Now

Qualification Overview

What you can qualify for — at every level

Credit is one factor. Revenue, deposits, and existing obligations matter just as much. Here's an honest breakdown.

A

Tier A — Prime

680–800 FICO · Strong Revenue · Clean History
Monthly payment programs — 8–14% conventional
Secured line of credit options
SBA pathway (with qualifying revenue)
Lowest factor rates available
Highest approval ceilings
The strongest position for long-term financing. Consistent deposit patterns are key to unlocking the best rates.
B

Tier B — Near-Prime

600–679 FICO · Moderate Revenue
May qualify for monthly payment programs
Factor rates starting from 1.17
Hybrid bi-weekly structures available
Consolidation structures may apply
Strong deposits and consistent revenue can offset credit challenges. Our underwriting weighs cash flow heavily at this tier.
C

Tier C — Cash Flow Based

Below 600 FICO · Deposit-Driven Approval
Weekly payment programs only
Daily payment programs
Approval based primarily on deposit volume and frequency
No monthly programs available at this tier
We structure carefully at this level — only what your cash flow can genuinely support. We'll decline if the deal doesn't make sense for your business.
Important: Credit score is one data point — not the whole picture. Tier A starts at 680, Tier B covers 600–679, and Tier C applies below 600. Final qualification also depends on average monthly revenue, deposit frequency, number of negative days, and existing exposure. A 670 FICO with poor deposit patterns may qualify for less than a 610 FICO with strong, consistent deposits. Our underwriting analyzes all of these factors before presenting options.

The Full Picture

What our underwriting evaluates

📊
Average Monthly Revenue
The foundation of every underwriting decision. We typically structure funding at 75–150% of monthly revenue depending on tier and program type.
📅
Deposit Frequency
How often money comes in matters as much as how much. Consistent daily deposits signal a healthier business than sporadic large ones.
❌
Negative Days
Days with a negative balance are a significant concern. More than 5–7 per month substantially reduces available options and approval ceiling.
🏋️
Existing Obligations
Active positions reduce approval ceilings. Heavy stacking is one of the fastest ways to limit your funding options and increase risk.
💳
FICO & Credit History
Personal credit affects rate and program access — but strong revenue and deposit patterns can significantly offset lower scores.
📐
Approval Ceiling
The maximum we'll extend based on all factors combined. We calculate this before structuring — so you're never over-leveraged from day one.
Apply Now

Frequently Asked Questions

Clear answers to common questions

No jargon, no fine print. Here's what you need to know about working with Independent Funding.

What makes Independent Funding different?
We combine fast access to capital with complete transparency and dedicated support. You'll always know the full cost of your deal before signing, and you'll have a dedicated team throughout your entire term — not a revolving door of contacts.
How fast can I get funded?
Most businesses receive a decision the same day they apply. Once approved and signed, funds are typically deposited within 24 hours. Our streamlined process is designed to respect your time and urgency.
What does it cost? Are there hidden fees?
No hidden fees — ever. We show you the factor rate, total payback amount, and payment schedule upfront before you sign anything. The rate we quote is the rate you pay. We believe transparency builds trust, and trust builds lasting partnerships.
What do I need to apply?
A simple application and your most recent 3 months of bank statements. That's it to get started. No hard credit pull at application. We may request additional documentation depending on the program and amount, but we'll always be upfront about what's needed.
What if I have existing funding positions?
We work with businesses that have existing positions regularly. Depending on your revenue, deposit patterns, and current exposure, we may be able to consolidate positions into a single payment — or structure new funding alongside existing advances. We'll review your full picture and give you honest options.
Can you help me transition to longer-term financing?
Absolutely. Many of our clients start with short-term capital and work toward monthly payment programs, secured lines of credit, or SBA financing. We help you build a path from where you are to where you want to be — and we're upfront about what it takes to get there.
What are the minimum qualifications?
Generally, we look for at least 6 months in business, $15,000+ in monthly revenue, and an active business bank account. Credit score is a factor but not the only one — strong deposits and consistent revenue can offset lower scores. Apply and we'll tell you exactly where you stand.
Who do I contact after I'm funded?
Your dedicated account team. Unlike many funding companies, we don't disappear after the deal closes. You'll have direct access to the people managing your account for questions, renewals, or anything else that comes up. One call, one team.

Have a question we didn't cover? We'll give you a straight answer.

Contact Us

Apply Now

Start your application

Fill out the form below and our team will review your application. Most businesses receive a same-day decision.

Independent Funding

Address: 1710 Coney Island Ave, Brooklyn, NY 11230
Phone: (888) 842-8231
Email: info@independentfunding.net
Hours: Monday–Friday, 9 AM – 6 PM EST
📄
Upload Bank Statements
Click to browse — PDF, JPG, or PNG (25 MB max)
🔒 Your information is secure and will never be shared with third parties.

Legal

Privacy Policy

How we collect, use, and protect your information.

Your privacy is important to us. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you visit our website ("Site") or use our services. By using our Site and services, you consent to the practices described in this Privacy Policy.

Information We Collect

"SMS consent is not shared with third parties for marketing purposes. No mobile opt-in data is shared."

We may collect both personally identifiable information ("PII") and non-personally identifiable information ("Non-PII") from you when you interact with our Site or use our services.

PII may include but is not limited to your name, email address, postal address, phone number, and any other information you voluntarily provide to us.

Non-PII may include technical information such as your IP address, browser type, device information, and website usage data.

How We Use Your Information

We use the information we collect for various purposes, including:

  • Providing and improving our services
  • Communicating with you
  • Responding to your inquiries
  • Sending you marketing and promotional materials (if you opt-in)
  • Understanding how users interact with our Site
  • Complying with legal obligations

Sale of Data

We do not sell your information you provide to us under any circumstance.

Data Security

We implement reasonable security measures to protect your information from unauthorized access, disclosure, alteration, or destruction. However, no method of transmission over the internet or electronic storage is entirely secure, and we cannot guarantee absolute security.

Third-Party Services

We may use third-party services to collect, monitor, and analyze data on our behalf, such as website analytics tools. These third parties may have their privacy policies governing the use of the information they collect.

Cookies and Similar Technologies

Our Site may use cookies and similar technologies to enhance your experience, analyze usage patterns, and personalize content. You can manage your cookie preferences through your browser settings.

Links to Other Websites

Our Site may contain links to other websites that are not operated by us. We are not responsible for the privacy practices of those sites, and we encourage you to review their respective privacy policies.

Children's Privacy

Our services are not intended for children under the age of 13. We do not knowingly collect or solicit personal information from anyone under 13. If you are under 13, please do not use our services or provide any information on our Site.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. The revised policy will be posted on this page with the "Last Updated" date. We recommend checking this page periodically for any changes. Your continued use of the Site or services after any modifications will signify your acceptance of the updated Privacy Policy.

Contact Us

Email: info@independentfunding.net

Legal

Terms & Conditions

Please read these terms carefully before using our services.

1. Introduction

Welcome to Independent Funding LLC. These Terms and Conditions govern your use of our website and services. By accessing and using our website, you agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, you must not use our website.

2. Use of Our Website

(a) You must be at least 18 years old to use our website and services. By using our website, you confirm that you are at least 18 years old.

(b) You may not use our website for any illegal or unauthorized purposes. You agree to comply with all applicable laws and regulations.

(c) We reserve the right to modify, suspend, or discontinue any part of our website, services, or content without prior notice.

(d) Your use of any information or materials on this website is entirely at your own risk, for which we shall not be liable.

3. Intellectual Property Rights

(a) All content on this website, including but not limited to text, graphics, logos, images, videos, and software, is the property of Independent Funding LLC and is protected by copyright and other intellectual property laws.

(b) You may not reproduce, distribute, modify, transmit, or use any part of our website's content without our prior written consent.

4. Privacy Policy

(a) Our Privacy Policy outlines how we collect, use, and protect your personal information. By using our website, you consent to our Privacy Policy.

(b) We do not share or sell your personal information to third parties.

5. Disclaimer

(a) The information provided on our website is for general informational purposes only. We make no warranties or representations about the accuracy, completeness, or reliability of the content.

(b) We are not responsible for any damages or losses resulting from the use of our website or any information provided therein.

6. Links to Third-Party Websites

Our website may contain links to third-party websites. We do not endorse or have any control over the content or practices of these websites. Your use of third-party websites is at your own risk.

7. Limitation of Liability

To the extent permitted by law, Independent Funding LLC shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from or in any way related to your use of our website or services.

8. Indemnification

You agree to indemnify and hold harmless Independent Funding LLC, its officers, directors, employees, and affiliates, from any claims, losses, damages, liabilities, costs, or expenses (including legal fees) arising out of your use of our website or violation of these Terms and Conditions.

9. Governing Law and Jurisdiction

These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of Georgia. Any disputes arising from or related to these terms shall be subject to the exclusive jurisdiction of the courts in the State of Georgia.

10. Changes to Terms and Conditions

We reserve the right to update or modify these Terms and Conditions at any time without prior notice. Your continued use of our website following the posting of any changes constitutes your acceptance of such changes.

11. Contact Us

If you have any questions or concerns about these Terms and Conditions, please contact us at info@independentfunding.net.

SMS Terms and Conditions

1. Introduction

Welcome to Independent Funding LLC. By accessing or using our services, including receiving SMS communications, you agree to comply with and be bound by these Terms and Conditions. If you do not agree with these terms, please do not engage with our services.

2. Consent for SMS Communication

By providing your consent to receive SMS communications, you acknowledge and agree to receive text messages from Independent Funding LLC at the phone number you provide. Information obtained as part of the SMS consent process will not be shared with third parties.

3. Types of SMS Communications

If you have consented to receive text messages, you may receive SMS communications related to:

  • Customer Care Text messages (follow ups, reminders)
  • Marketing (occasional promotions) related to our services

4. Opt-In Method

You may opt-in to receive SMS messages by filling out a website form.

5. Standard Messaging Disclosures

  • Message and data rates may apply.
  • You can opt out at any time by texting "STOP."
  • For assistance, text "HELP" or contact us directly at (888) 842-8231.
  • Message frequency may vary.

Last Updated: 08/15/2023

Transparency

Rates & Disclosures

We believe you should know exactly what you're paying before you sign anything. Here's a clear breakdown of our products and pricing.

Commercial MCA / Revenue-Based Financing

  • Factor rate range: 1.17 – 1.49
  • Example: $10,000 advance at a 1.30 factor rate = $13,000 total payback ($3,000 in total fees)
  • Term range: 3 – 36 months depending on program
  • No application fees or hidden charges
  • Full cost breakdown provided before signing
Merchant cash advances and revenue-based financing are commercial transactions, not loans. APR does not apply.

Partner Loan Products (SBA / Conventional)

  • SBA loans and conventional business loans available through lending partners
  • Interest rate range: 8 – 14%
  • Term range: 5 – 25 years
  • Qualification based on credit, revenue, and business history
Independent Funding acts as a referral partner for SBA and conventional loan products. These products are originated and funded by third-party lending partners. Independent Funding is not a direct lender.