Select Page
Merchant cash advance and business funding

Need business financing within the next 24 hours?

24 Start now for a fast review and same day funding options for qualified merchants.

FundMelo helps business owners explore merchant cash advances, working capital, business lines of credit, equipment financing and SBA options through one streamlined application built for speed.

Fast merchant review Revenue based options Funding for real business needs
Restaurant
Restaurant FundingInventory and payroll
Retail
Retail FundingSeasonal inventory
Construction
Construction FundingMaterials and labor
Healthcare
Healthcare FundingEquipment and growth
Restaurant
Restaurant FundingInventory and payroll
Retail
Retail FundingSeasonal inventory
Construction
Construction FundingMaterials and labor
Healthcare
Healthcare FundingEquipment and growth
Beauty
Beauty Business FundingExpansion and equipment
Professional services
Professional ServicesHiring and technology
Store owner
Storefront FundingWorking capital
Business team
Growth CapitalTeam and marketing
Beauty
Beauty Business FundingExpansion and equipment
Professional services
Professional ServicesHiring and technology
Store owner
Storefront FundingWorking capital
Business team
Growth CapitalTeam and marketing
One application Multiple funding paths
Merchant cash advanceFast
Line of creditFlexible
SBA optionsLong term

Get started with merchant cash advance and business funding options

Complete the first step now. Qualified merchants may receive options quickly.

Secure application
Business funding solutions

Merchant cash advance is only the beginning.

Compare funding solutions for immediate cash flow, recurring access to capital, equipment purchases and longer term growth.

$

Merchant Cash Advance

Revenue based funding for merchants who need speed and flexible qualification.

Apply for MCA funding →

Business Line of Credit

Ongoing access to working capital for payroll, inventory and operating needs.

Explore line of credit →
S

SBA Financing

Longer term options for qualified expansion, real estate and strategic investment.

Explore SBA options →
W

Working Capital

Cover expenses, smooth cash flow and keep the business moving with less friction.

Get working capital →
InventoryPayrollExpansionMarketingEquipmentRenovationsCash FlowNew Locations InventoryPayrollExpansionMarketingEquipmentRenovationsCash FlowNew Locations
Built around merchants

Fast funding starts with understanding how your business actually operates.

FundMelo focuses on revenue, cash flow, time in business and the reason capital is needed. That makes the experience feel built for merchants instead of built around a generic form.

Revenue based reviewBusiness performance matters
Multiple funding pathsCompare more than one category
Clear next stepsKnow what is needed and when
Real supportTechnology backed by human guidance
Store owner
Need capital quickly

Start now for a fast merchant review.

Qualified merchants may receive funding options as soon as the same business day, depending on product, documentation and underwriting.

Start Now
Why merchants choose FundMelo

Speed without making the process feel cheap.

A premium fintech experience with merchant cash advance expertise, clear next steps and a stronger path to funding.

01

Fast merchant review

Start online and move quickly when business funding is time sensitive.

02

Revenue based options

Merchant cash advance and working capital solutions built around business activity.

03

Multiple products

Explore MCA, line of credit, SBA, equipment and term financing options.

04

Merchant focused support

Clear guidance for owners who need answers without unnecessary friction.

RestaurantsRetailConstructionHealthcareAutoHospitalityProfessional ServicesBeauty and Wellness RestaurantsRetailConstructionHealthcareAutoHospitalityProfessional ServicesBeauty and Wellness
How merchant funding works

From application to funding options in four clear steps.

Start online, provide the information needed for review, compare possible structures and choose the right next move.

1

Tell us about your business

Share revenue, time in business and the amount you are looking to access.

2

Provide supporting documents

Submit the business and financial information needed for review.

3

Review funding options

Compare merchant cash advance and other possible business funding structures.

4

Choose your next move

Select the option aligned with cash flow, growth goals and timing.

Put business funding to work

What could you do with capital in the next 24 hours?

Business owners use merchant cash advance and working capital solutions to move quickly when timing matters.

01

Purchase inventory

Prepare for demand, bulk discounts and seasonal opportunities.

02

Cover payroll

Maintain operations through uneven cash flow cycles.

03

Take on a new project

Cover materials, labor and upfront project costs.

04

Upgrade equipment

Replace or purchase the tools that keep the business running.

05

Expand a location

Renovate, open or improve a storefront or office.

06

Invest in marketing

Reach new customers and create repeatable revenue.

07

Bridge cash flow

Manage timing gaps between expenses and incoming revenue.

08

Act on opportunity

Move before a profitable opportunity becomes a missed one.

Merchant reviews

Business owners moving faster with the right capital.

Six different merchant profiles with funding amounts ranging from $45,000 to $175,000.

Restaurant$45,000 Funded
RestaurantWorking capital for peak season
★★★★★

“The process moved quickly and gave us room to prepare for our busiest season without slowing down operations.”

Daniel M.Restaurant owner
Retail$62,000 Funded
RetailInventory and storefront refresh
★★★★★

“We stocked up on inventory and invested back into the store. Everything felt clear, responsive and organized.”

Sarah T.Retail owner
Beauty and wellness$85,000 Funded
Beauty and WellnessExpansion for new services
★★★★★

“The capital gave us room to expand services and upgrade the client experience. The process felt professional and easy.”

Leila R.Med spa owner
Construction$110,000 Funded
ConstructionProject cash flow support
★★★★★

“We covered materials and labor across several jobs and took on more work without putting pressure on daily cash flow.”

Anthony G.Construction owner
Professional services$145,000 Funded
Professional ServicesGrowth capital for hiring
★★★★★

“We hired, upgraded systems and strengthened sales without pausing new opportunities. It helped us move with confidence.”

Michael P.Consulting firm owner
Healthcare$175,000 Funded
HealthcareEquipment and practice upgrades
★★★★★

“The capital helped us invest in equipment and improve operations across the practice. The process was organized and responsive.”

Dr. Nina K.Practice owner
Merchant cash advance questions

Clear answers when business funding cannot wait.

Eligibility, timing, cost and structure vary by provider and applicant qualifications.

Qualified merchants may receive funding options as soon as the same business day. Timing depends on the product, completed documentation, underwriting and provider requirements.
A merchant cash advance generally provides capital in exchange for the purchase of a portion of future business receivables. Cost, remittance structure and eligibility vary by provider.
Qualification standards vary. Revenue based products may consider business revenue, cash flow and time in business in addition to personal credit.
Commonly requested items may include recent business bank statements, company information, identification, ownership details and information about existing business obligations.
Depending on the product, funding may support inventory, payroll, equipment, marketing, expansion, renovations, project costs and other qualified business purposes.
No. Submission of an application does not guarantee approval, funding, a specific amount or particular terms.

Need financing within the next 24 hours?

Start your merchant cash advance and business funding request now. Qualified merchants may receive options quickly depending on product, documents and underwriting.

FundMelo is not a bank. Product availability, eligibility, terms, funding amounts and timing vary by provider and applicant qualifications. Submission of an application does not guarantee approval or funding.
Apply Now
Apply Now