Business Financing Solutions

At FundMerica, we’re more than a lender — we’re an online business funding marketplace. That means we work with a wide network of trusted funding partners to shop, compare, and secure the most competitive financing options for your business based on your unique needs.

Whether you’re looking for fast working capital, flexible repayment structures, or longer-term growth financing, our team helps you find the right solution — quickly, efficiently, and with minimal paperwork.

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Generous terms

See what rates you qualify for.

Simple process

Our secure online application is quick and easy.

Fast funding

Get access to capital in just a few days.

Working Capital Loans

 

Working capital loans provide businesses with the funds needed to manage day-to-day operations, cover payroll, purchase inventory, invest in marketing, or handle unexpected expenses.

These loans are designed to keep your business running smoothly and support short-term cash flow needs without disrupting operations.

Best for:
  • Payroll and operating expenses
  • Inventory purchases
  • Marketing and advertising
  • Cash flow stabilization
Why FundMerica:
  • Competitive terms through our lending network
  • Fast approvals
  • Simple application process
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Merchant Cash Advance (MCA)

 

A Merchant Cash Advance is a revenue-based financing option that provides fast access to capital based primarily on your business’s monthly revenue — not traditional credit requirements.

Instead of fixed monthly payments, repayment is tied to your daily or weekly sales, offering flexibility during slower periods.

Best for:
  • Businesses needing fast funding
  • Seasonal businesses
  • Companies with fluctuating revenue
  • Owners seeking flexible repayment
Why FundMerica:
  • Quick approvals and funding
  • Minimal documentation
  • Flexible repayment options based on revenue
Apply Now

Term Loans (Up to 5 Years)

 

Term loans offer predictable, structured financing with fixed payments over a set period — making them ideal for planned investments and long-term growth.

Through our marketplace, we help match you with term loan options that align with your business goals and cash flow.

Best for:
  • Business expansion
  • Equipment purchases
  • Hiring and scaling operations
  • Refinancing existing debt
Why FundMerica:
  • Terms up to 5 years
  • Competitive options sourced across multiple lenders
  • Clear repayment structure
Apply Now

Revenue-Based Financing

 

Revenue-based financing allows businesses to access capital and repay it as a percentage of monthly revenue. Payments adjust automatically based on performance, making this an attractive option for growing companies.

This option is ideal for businesses that want flexibility without committing to rigid payment schedules.

Best for:
  • Growth-focused businesses
  • Companies with variable revenue
  • Marketing and expansion initiatives
Why FundMerica:
  • Payments scale with your revenue
  • No fixed monthly obligations
  • Flexible funding solutions
Apply Now

Accounts Receivable Financing

 

Accounts Receivable Financing unlocks cash tied up in unpaid invoices. Instead of waiting weeks or months for customers to pay, you can access funds immediately based on your outstanding receivables.

Best for:
  • B2B businesses
  • Companies with long invoice payment cycles
  • Improving cash flow without taking on traditional debt
Why FundMerica:
  • Faster access to cash
  • Flexible repayment structures
  • Improves working capital without disrupting operations
Apply Now

Why Choose FundMerica?

 

Get Matched With the Right Funding — Fast.

Instead of guessing which loan fits your business, let FundMerica do the work. Our funding specialists review your business profile and connect you with the most competitive options available — all in one place.

  • Online marketplace — we shop lenders for you at no additional cost.
  • Competitive financing options
  • Multiple products under one platform
  • Fast approvals and funding
  • Minimal paperwork
  • Dedicated funding specialists guiding you every step
Apply Now

rates starting at 5.49%

 

Our short term loans are structured for inventory purchase, marketing campaigns, general operating capital, contract funding, and much more! Our short term loans range form from 1-24 months with fixed monthly payments. We’re committed to offering small and medium-sized business owners the financing solutions they need to effectively run and grow their businesses.

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BENEFITS

  • Access up to $1 million
  • Rates Starting as low as 4.9%
  • Approvals within hours

MINIMUM QUALIFICATIONS

  • 500+ FICO
  • In Business 6+ Months
  • $100,000+ Annual Revenue

How it Works

Apply

Apply

It takes about 15 minutes to provide us with your basic business and ownership information.

Receive Decision

Receive Decision

Receive a decision within 24 hours. Review loan terms to determine if it makes sense for your business.

Funding

Funding

Sign documents electronically and receive funds directly to your business checking account.

Easy

Funding

Fundmerica can quickly and easily customize a small business loan that works for your business, so you can get on with the business of building your bottom line.

15

15 minute application

24

24 hour funding decisions

2

access funds in 2 days

1

loans up to $1 million

WHAT OUR CLIENTS SAY

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FREQUENTLY ASK QUESTIONS

How do I know which loan is right for me?

Our experienced staff will help you choose the best option for funding based on your needs and business profile. We’re here to help you every step of the way.

Do I need good credit to qualify?

No, you can still qualify for business financing regardless of your personal credit history.

How long does it take to be approved?

You can get a funding decision in as little as 24 hours! Just fill out our online application to get started.

Get Your Free Funding Quote

See what you qualify for in minutes — soft credit pull, no FICO impact. $10K–$500K, funded in 24–48 hours from 75+ sources.

★ 4.4 on Trustpilot · 120+ reviewsBBB Accredited · A- Rating
  • Soft pull only
  • $10K–$500K
  • 24–48 hr funding
  • No obligation
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We fund the American dream.

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Fundmerica · 4 Hutton Centre Dr, Santa Ana, CA 92707 · (888) 490-3126
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