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

Capital that keeps business moving.

Your business does not pause when payroll is due, inventory is moving, equipment needs attention, or opportunity shows up. FundMelo helps merchants explore practical funding paths through one straightforward experience.

Apply Now → Explore funding options ↓
✓ Every credit profile may apply
✓ Multiple funding paths
✓ Built around real business needs
Business owner working inside a local shop
Restaurant team preparing food
Built around your business Use capital where it matters most.
InventoryPayroll EquipmentExpansion
01
Every profile can applyCredit is one part of the picture
02
Multiple funding pathsOptions for different business needs
03
Simple online requestA clear starting point without the clutter
04
Merchant focused supportReal communication throughout the process
Merchant Cash Advance
Working Capital
Business Line of Credit
Equipment Financing
SBA Options
Merchant cash advance spotlight

Funding that looks at the rhythm of your business.

Explore a merchant cash advance structured around the purchase of future business receivables. It can be a practical path for merchants who value a streamlined review and capital that can be used across day to day business needs.

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Business performance mattersYour revenue activity can help tell the story beyond a personal credit score alone.
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Use funds where your business needs themInventory, payroll, repairs, marketing, equipment, expansion, or cash flow support.
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A clearer merchant experienceOne focused request, responsive communication, and a process designed to keep moving.
Apply Now →
Restaurant owner standing inside a dining room
Merchant first Your revenue. Your timing. Your next step. Funding decisions and terms depend on provider criteria and business qualifications.
More ways to move forward

Funding paths for the way your business operates.

The right structure depends on what you need, how you plan to use it, and how your business performs. FundMelo helps you explore the path that fits the moment.

01

Merchant Cash Advance

Access capital through the purchase of future business receivables, with a review centered on business activity.

Explore MCA →
02

Working Capital

Support the operating needs that keep your doors open and your business moving through busy or uneven cycles.

Apply Now →
03

Business Line of Credit

Explore revolving access to capital for qualified businesses that want flexibility for recurring needs.

Apply Now →
04

Equipment Financing

Invest in the tools, vehicles, machinery, and technology your business relies on to produce and grow.

Apply Now →
05

SBA Options

For qualified businesses with more time and documentation, SBA backed options may support larger or longer term plans.

Apply Now →
Why FundMelo

Less friction. More clarity. A better funding experience.

Merchants do not need another complicated financial website. They need a clear path, honest communication, and options that recognize how real businesses operate.

01

Merchant centered

The conversation begins with your business, your goals, and what is happening right now.

02

Multiple possibilities

Explore different commercial funding paths instead of being boxed into one product.

03

Responsive communication

Know what is needed, what comes next, and where your request stands.

04

Built to keep moving

A streamlined experience designed for busy owners who already have enough on their plate.

Businesses we commonly help

Funding built for merchants doing the actual work.

These are not stock dashboard tiles. They are real business environments, moving across the page like the momentum FundMelo is built to support.

Restaurant dining room
HospitalityRestaurantsInventory, payroll, repairs, and seasonal demand.
Modern salon
BeautySalons and MedspasEquipment, products, staffing, and expansion.
Auto repair shop
AutomotiveAuto ShopsParts, lifts, tools, payroll, and working capital.
Pizza restaurant
Food ServicePizzeriasOvens, ingredients, delivery, and busy season support.
Retail shop owner
RetailRetail StoresInventory, displays, marketing, and store improvements.
Construction worker
TradesConstructionMaterials, vehicles, payroll, and project cash flow.
Trucking and logistics
TransportationTrucking CompaniesRepairs, fuel, insurance, and fleet growth.
Medical professional
HealthcareMedical PracticesTechnology, staffing, supplies, and practice expansion.
Commercial kitchen
Food ProductionCommercial KitchensSupplies, staff, machinery, and order volume.
Professional office
ServicesProfessional FirmsHiring, technology, marketing, and operating capital.
Manufacturing workspace
ProductionManufacturingRaw materials, equipment, payroll, and growth.
Modern office
GrowthGrowing CompaniesNew hires, space, technology, and expansion plans.
Bakery
Local BusinessBakeries and CafesEquipment, ingredients, renovations, and staffing.
Business team
OperationsService BusinessesPayroll, marketing, software, and recurring expenses.
Put capital to work

What could funding help you do next?

Cover payroll

Keep your team supported while revenue catches up to the calendar.

Restock inventory

Prepare for demand, seasonal volume, or a high value purchasing opportunity.

Upgrade equipment

Repair, replace, or add the tools that keep production moving.

Open or expand

Take the next location, remodel your space, or increase operating capacity.

Invest in marketing

Build awareness, bring in new customers, and support the next growth push.

Strengthen cash flow

Create room to handle timing gaps and the unexpected costs of doing business.

A simpler path forward

Three clear steps. No unnecessary maze.

Start with the essentials, explore available paths, and choose what makes sense for your business.

1

Tell us about your business

Share your basic business details, funding goal, and the amount you would like to explore.

2

Review possible options

Your business information is reviewed against participating provider criteria and available product paths.

3

Choose your next step

Review the terms presented to you and decide whether an available option fits your plans.

Merchant stories

Built for owners with real things to handle.

Replace these sample stories with verified customer reviews before launch.

★★★★★
“The process felt clear from the beginning. We knew what was needed and what the next step would be.”
RM
Restaurant merchantSample review
★★★★★
“We needed room for inventory before our busiest season. The experience was organized and responsive.”
RS
Retail store ownerSample review
★★★★★
“They spoke to us like business owners, not like a number on an application.”
AO
Auto shop ownerSample review
★★★★★
“We had equipment that could not wait. The communication stayed consistent throughout the process.”
CM
Construction merchantSample review
★★★★★
“The website was easy, the request was straightforward, and we always knew who to contact.”
SP
Salon ownerSample review
★★★★★
“We appreciated having more than one direction to explore for our business.”
TL
Trucking companySample review
★★★★★
“The process felt clear from the beginning. We knew what was needed and what the next step would be.”
RM
Restaurant merchantSample review
★★★★★
“We needed room for inventory before our busiest season. The experience was organized and responsive.”
RS
Retail store ownerSample review
★★★★★
“They spoke to us like business owners, not like a number on an application.”
AO
Auto shop ownerSample review
★★★★★
“We had equipment that could not wait. The communication stayed consistent throughout the process.”
CM
Construction merchantSample review
★★★★★
“The website was easy, the request was straightforward, and we always knew who to contact.”
SP
Salon ownerSample review
★★★★★
“We appreciated having more than one direction to explore for our business.”
TL
Trucking companySample review
ISO partnerships

Work with FundMelo.

Bring your merchant opportunities to a partner that values responsive communication, professional presentation, and relationships built beyond a single submission.

Submit merchant opportunities
Multiple product paths
Responsive communication
Long term partnerships
Become an ISO partner →
Business partners meeting around a table
Start with your business

Tell us what you are working toward.

Whether the need is expected, urgent, or simply the right opportunity at the right time, your request should begin with the reality of your business.

InventoryPayrollEquipmentExpansionCash flow

Explore your options

Complete the starting details below. Submission does not guarantee approval or funding.

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

Common questions

Straight answers for busy merchants.

No walls of financial jargon. Just the information you need to understand the starting point.

What is a merchant cash advance?
A merchant cash advance is generally structured as the purchase of a portion of future business receivables. It is a commercial transaction rather than a traditional consumer loan. The exact structure, remittance, reconciliation rights, and terms depend on the agreement presented by the provider.
Can I apply with challenged credit?
Yes. Merchants with a wide range of credit profiles may submit a request. Approval is never guaranteed, and providers may consider business revenue, time in business, cash flow, industry, existing obligations, credit, and other factors.
What can business funding be used for?
Depending on the product and provider, commercial funding may be used for inventory, payroll, repairs, equipment, marketing, expansion, cash flow, or other legitimate business expenses.
How much can my business request?
Available amounts vary by product, provider criteria, revenue, existing obligations, business history, and the overall strength of the request. Share a realistic goal and FundMelo can help you explore what may be available.
Does submitting a request guarantee funding?
No. A submission is a request for review and does not guarantee approval, a specific amount, or specific terms. Review all documents carefully before accepting any commercial financing product.
Does FundMelo offer more than merchant cash advances?
FundMelo may help qualified businesses explore merchant cash advances, working capital products, business lines of credit, equipment financing, and SBA related options through participating providers.

Capital that keeps business moving.

Start with the reality of your business and explore what may fit.

Apply Now → Talk with FundMelo
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