Everything you need to know before you apply.

iFundYou funds businesses from $50,000 up to $3,000,000, depending on your monthly revenue, time in business, and product mix. Most businesses qualify for 80–120% of their average monthly gross revenue.

Our average funding decision takes about 4 hours after we receive a complete application. Many approved businesses are funded within 24 to 48 hours; timing depends on the product and how quickly documents are provided and signed.

You generally need at least 6 months in business, a US business bank account, and consistent monthly revenue. We work with a wide range of credit profiles and industries.

The initial application uses a soft pull, which does not affect your personal credit score. A hard pull may occur only if you accept a formal offer and move to closing.

Merchant cash advances, term loans, lines of credit, SBA loans, and equipment financing. Your advisor will recommend the structure that fits your business best.

iFundYou is a direct funder with an in-house underwriting team. When a request is outside our box, we can also place it through our syndication network.

Click Apply Now on any page. The digital application takes about 5 minutes and requires basic business information and your last 3 months of bank statements.

No hidden fees. Every offer shows the funded amount, total payback, factor rate or interest rate, and payment schedule before you sign. Prepayment terms vary by product — your advisor will walk you through them upfront so there are no surprises.

MCAs use a factor rate, not an APR. If you're funded $50,000 at a 1.30 factor, you owe $65,000 total. There are no compounding interest charges, and the number never changes based on how long repayment takes. We show you the exact total before you sign.

Most revenue-based products (MCA, working capital) do not require hard collateral. A personal guarantee is standard across nearly all small business funding. SBA and larger term loans may involve additional collateral requirements.

For MCA and revenue-based products, payments scale with your deposits, so slower weeks mean smaller payments. If you're on a fixed-payment product and hit a rough patch, contact your advisor immediately — we can often work with the funder on a short-term adjustment.

Yes. Revenue-based products focus on your business's cash flow, not just your FICO. We routinely fund business owners with credit under 600 when the business has strong, consistent deposits.

A completed 5-minute online application, your last 3 months of business bank statements, and a valid government ID. Larger requests or SBA loans may also require tax returns or financial statements.

Our average funding decision takes about 4 hours once we have a complete application and bank statements. Final funding timing depends on the product, your documents, and how quickly the agreement is signed.

A merchant cash advance (MCA) is an advance on your future business revenue. You receive a lump sum today and repay a fixed total amount through daily or weekly payments tied to your deposits. It is not a loan and uses a factor rate instead of an interest rate.

A factor rate is a fixed multiplier (for example 1.25) applied once to the funded amount, so the total payback is known upfront. An interest rate accrues over time on the outstanding balance. Paying a factor-rate product early does not automatically lower the cost unless an early payoff discount is offered.

A business line of credit gives you a set credit limit you can draw from as needed. You only pay on what you use, and repaid funds become available again. It suits recurring needs like payroll gaps, inventory, or seasonal expenses.

Most of our products require at least 6 months in business with consistent revenue. Businesses younger than that generally do not qualify for revenue-based funding yet, but an advisor can explain what to work toward.

We fund most established US industries, including retail, restaurants, construction, healthcare, trucking and logistics, professional services, real estate, manufacturing, and technology. Some restricted industries are not eligible.

Often, yes. Depending on your revenue and current payment load, you may qualify for additional funding or a consolidation. Your advisor will review whether another position is responsible for your cash flow before recommending it.

Any legitimate business purpose: inventory, payroll, equipment, renovations, marketing, hiring, expansion, or covering a cash-flow gap. Funds cannot be used for personal expenses.

Banks typically weigh credit score, collateral, and years of tax returns, and can take weeks to decide. iFundYou underwrites mainly on real business cash flow from bank statements, so decisions are faster and more credit profiles qualify. The trade-off is that alternative funding usually costs more than a bank loan.

No. Applying with iFundYou is free and carries no obligation. You only pay the costs disclosed in an offer if you choose to accept it.

iFundYou is headquartered at 500 S Andrews Ave, Fort Lauderdale, FL 33301 and funds businesses nationwide across the US. The company was founded by Simon De Los Santos and Brandon Medford and has funded over $850 million to more than 12,000 businesses.