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.
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.
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.
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.
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.
No. Pre-approval uses a soft credit check that does not affect your credit score.
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.
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.
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.
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.
Any business purpose, including inventory, equipment, payroll, marketing, repairs and expansion.
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.
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.
Deliver Funding is a business funding company that provides merchant cash advances and other financial products. A merchant cash advance is not a loan. Approval and funding terms vary based on business qualifications. Funding is for business purposes only, not personal, family or household use.