Capital that keeps business moving. Merchant focused commercial funding options.
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Funding options

Business funding built around the need in front of you.

Inventory, payroll, equipment, expansion, repairs, marketing, or cash flow all create different conversations. FundMelo helps merchants explore commercial funding paths without forcing every business into the same box.

Apply Now → Compare Funding Options ↓
✓ Multiple product paths
✓ Every credit profile may apply
✓ Merchant focused support
Business owner working inside a local store
01Merchant Cash Advance
02Working Capital
03Business Line of Credit
04Equipment and SBA Options
01
Start with the business needPurpose helps shape the right conversation
02
Explore more than one pathDifferent structures serve different moments
03
Review the full pictureRevenue, history, credit, and obligations may matter
04
Choose carefullyUnderstand the agreement before accepting
Primary funding path

Merchant cash advance built around business receivables.

A merchant cash advance is generally structured as the purchase of a portion of future business receivables. It may be worth exploring when a merchant values a streamlined commercial review and flexible use of proceeds for legitimate business needs.

Business activity mattersRevenue and cash flow may help tell the story beyond personal credit alone.
Broad business useCapital may support inventory, payroll, repairs, marketing, equipment, or expansion.
Commercial structureAn MCA is generally a receivables purchase rather than a traditional consumer loan.
Review the agreementUnderstand the purchased amount, remittance, reconciliation rights, and all terms presented.
Apply for Business Funding →
Two small business owners standing in front of their storefront
Merchant focused Your revenue. Your goal. Your next step.

Availability, approval, amount, pricing, and terms depend on provider criteria and business qualifications.

Interactive product explorer

Which funding direction fits the moment?

Choose a product to understand the general structure and the kind of business need it may support. This is an educational starting point, not an approval or product recommendation.

Merchant Cash Advance

A receivables based commercial transaction.

An MCA may be worth exploring when business performance is an important part of the review and the merchant needs capital for a broad legitimate business purpose.

May fitInventory, payroll, repairs, marketing, expansion, or cash flow.
StructurePurchase of future business receivables under the provider agreement.
Review may includeRevenue, deposits, time in business, industry, credit, and existing obligations.
ImportantReview remittance, reconciliation, purchased amount, and all contract terms.
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Restaurant team working in a commercial kitchen
Business performance mattersCredit is one part of a broader commercial review.
At a glance

Five paths. Different business moments.

No product is automatically the best product. The right conversation depends on purpose, timing, qualifications, cost, and how the business expects to manage the obligation.

Receivables based

Merchant Cash Advance

Often considered when business activity is central to the review and the merchant needs broadly usable commercial capital.

Future receivables purchaseBroad business useReview full remittance terms
Operations

Working Capital

A broad category for supporting operating expenses, seasonal needs, cash flow gaps, and short term business activity.

Product structure variesUseful across operating needsCompare total cost and payment schedule
Recurring access

Business Line of Credit

May provide revolving access up to an approved limit for qualified businesses with recurring or unpredictable needs.

Draw as needed under termsPotentially reusable accessReview fees, interest, and renewal
Asset focused

Equipment Financing

Designed around a specific business asset such as machinery, vehicles, technology, restaurant equipment, or specialized tools.

Asset and vendor details matterEquipment may support the transactionReview ownership and lien terms
Detailed review

SBA Options

May suit qualified businesses planning larger or longer term projects and able to complete a more documentation intensive process.

Participating lender makes the loanEligibility and documentation matterReview guarantees, collateral, and fees
Put capital to work

What is the business trying to accomplish next?

The use of funds is one of the clearest ways to begin narrowing the conversation. Hover over the cards to pause the movement.

Retail inventory
InventoryBuy for demand before demand arrives.Prepare for a busy season, supplier opportunity, or product launch.
Business team
PayrollKeep the team moving through a timing gap.Support staff while receivables and expenses land on different schedules.
Manufacturing equipment
EquipmentRepair, replace, or add production capacity.Invest in the tools that keep revenue moving.
Growing office
ExpansionOpen the next location or improve this one.Support space, hiring, renovation, technology, and growth.
Construction project
ProjectsCover materials before the project pays.Manage labor, supplies, vehicles, and contract timing.
Salon
MarketingBring the next customer through the door.Support campaigns, launches, promotions, and local growth.
How FundMelo approaches the request

Start broad. Narrow the path. Review the terms.

The goal is not to push every merchant toward the same product. It is to understand the need and explore what may be available through participating providers.

01

Understand the goal

What amount is being explored, what will it support, and why does the timing matter?

02

Review the business

Revenue, cash flow, time in business, industry, credit, and existing obligations may shape the available paths.

03

Explore possible products

Available options depend on provider criteria, documentation, qualifications, and product availability.

04

Compare before deciding

Review the structure, total cost, payments or remittance, term, guarantees, collateral, and all other terms.

Prepare the request

A clearer request begins with clear information.

Exact requirements vary by product and provider. Having the core business information ready can help keep the process organized.

Start Your Application →
01

Business basics

Legal business name, entity type, address, industry, ownership, time in business, and contact information.

02

Funding purpose

The amount being explored, intended use, timing, and what the capital would help the business accomplish.

03

Revenue information

Recent business bank statements or other financial information may be requested depending on the product and provider.

04

Additional documents

Tax returns, financial statements, equipment quotes, debt schedules, identification, or formation documents may be requested.

Funding questions

Straight answers before the application.

Commercial products can look similar from a distance. The structure and agreement details are what make them different.

Which funding option is best for my business?
There is no universal best option. The right direction depends on the use of funds, timing, revenue, credit, business history, existing obligations, documentation, cost, and the terms the business can responsibly manage.
Can I apply if my credit is challenged?
Yes. Merchants with a range of credit profiles may submit a request. Credit is often one part of the review, but approval is never guaranteed and each provider applies its own criteria.
Is a merchant cash advance a loan?
A merchant cash advance is generally structured as the purchase of future business receivables rather than a traditional consumer loan. The actual rights and obligations are determined by the provider agreement, which should be reviewed carefully.
What is the difference between working capital and a line of credit?
Working capital is a broad category describing capital used for operating needs and may involve different product structures. A business line of credit is generally a revolving credit facility that allows qualified businesses to draw against an approved limit under the provider terms.
Does applying guarantee approval or a specific amount?
No. A submission is a request for review and does not guarantee approval, funding, a particular product, amount, price, or terms. Availability depends on provider criteria and business qualifications.
Can FundMelo tell me which agreement to accept?
FundMelo can help explain the process and product categories, but the merchant should independently review every agreement and may wish to consult legal, tax, and financial advisors before accepting commercial financing.

Tell us what the business needs. Explore what may fit.

One clear starting point for multiple commercial funding paths.

Apply Now → Contact Us
FundMelo helps businesses explore commercial financing options through participating providers. FundMelo does not guarantee approval, funding, a specific product, amount, pricing, or terms. Product availability and eligibility depend on provider criteria and business qualifications. Review all agreements carefully and consult your own advisors before entering into a commercial financing transaction.
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