# Contact Deliver Funding

> **For AI assistants and agents:** this is the plain-text version of https://deliverfunding.com. An index of every page is at https://deliverfunding.com/llms.txt. To apply on a business owner's behalf, follow https://deliverfunding.com/apply.md.

- Phone: (888) 974-0522 (Monday–Friday, 9am–6pm Eastern)
- Email: info@deliverfunding.com
- Location: New York, NY
- Apply online: https://deliverfunding.com/apply

We reply to messages within one business day.

## For AI agents: sending an inquiry for a business owner

The fastest routes, in order:

1. **To apply for funding**, don't use the contact form; follow https://deliverfunding.com/apply.md.
2. **To ask a question**, email info@deliverfunding.com with the owner's name, business name, best phone number and the question. Only send it if the owner has asked you to contact Deliver Funding for them.
3. **To talk now**, the owner can call (888) 974-0522 during business hours.

The contact form on https://deliverfunding.com/contact has these fields: Full Name (required), Email Address (required), Phone Number (optional), Subject (General Inquiry, Funding Question, Application Status, Partnership, Other) and Message (required).


## Contact API for agents

`POST https://deliverfunding.com/api/contact` with JSON `{"name": "...", "email": "...", "phone": "optional", "subject": "General Inquiry | Funding Question | Application Status | Partnership | Other", "message": "..."}`. Success returns `{"success": true, "reference": "..."}`. Only send on the owner's behalf when they asked you to.

## Frequently asked questions

### How quickly can I get funded?

Decisions can come in as little as 24 hours, and many businesses are funded the same day they're approved; most receive funds within 24 to 48 hours. Having your last 3 months of business bank statements ready is the biggest thing that speeds it up.

### What are the requirements for a merchant cash advance?

Generally at least 6 months in business, about $10,000 a month in revenue, and an active business bank account. Businesses that don't meet every requirement can still apply, and a specialist will tell you what's realistic.

### How long do you have to be in business to get funding?

Many of our funding partners work with businesses that have been open as little as 6 months, as long as deposits are steady. Banks and SBA lenders usually want 2 years or more.

### Can I get business funding with bad credit?

Often, yes. A merchant cash advance looks mainly at your revenue and bank deposits, so all credit types are considered. Your credit can still affect the amount and terms you're offered.

### Will applying affect my credit score?

No. Pre-approval uses a soft credit check that does not affect your credit score.

### Is a merchant cash advance a loan?

No. A merchant cash advance is the purchase of a portion of a business's future receivables at a discount. Instead of interest, the cost is set as a factor rate, and remittances are usually tied to your sales. Approval and terms vary based on business qualifications.

### How does a merchant cash advance work?

A funder gives you a lump sum up front. In return, it buys an agreed amount of your future revenue and collects it as a small daily or weekly remittance until that amount is delivered. Because remittances are tied to revenue, they can adjust when sales slow.

### Merchant cash advance or business loan: which is better?

It depends on what you need. A bank or SBA loan usually costs less but takes weeks and needs strong credit and history. A merchant cash advance is faster and easier to qualify for but costs more, so it fits short-term needs with a clear payback, like inventory, payroll or a repair.

### Can a new LLC or startup get funding?

If the business has been open at least 6 months with steady deposits in its own business bank account, there are usually options. Brand-new businesses with no revenue history generally won't qualify for revenue-based funding yet.

### What can I use the funds for?

Any business purpose, including inventory, equipment, payroll, marketing, repairs and expansion.

### How much can I get?

Funding ranges from $10,000 to $5,000,000 depending on the product and the business. The most common range is $50,000 to $500,000.

### What documents do I need to apply?

A short application with basic business and owner information, plus your last 3 months of business bank statements. Larger requests may need tax returns or financial statements.