Small-business capital,
without the runaround
The Funding Depot is a direct lender built to move at the speed of small business — fast decisions, flexible terms, and a real advisor on your side.
A direct funder that acts like a partner
The Funding Depot LLC is a direct small-business lender based in Staten Island, New York. We fund the businesses that keep neighborhoods running — restaurants, auto shops, retailers, contractors, and the people behind them.
Because we underwrite and fund in-house, we can say yes faster and structure terms around how your business actually earns. No brokering your file out, no waiting weeks for a committee — just a clear answer and capital when you need it.
And we back it with software: dedicated portals for merchants and partners so everyone can see exactly where a deal stands, in real time.
Why businesses choose us
Everything about how we work is built to get you a fair answer, fast.
A direct lender, not a broker
We underwrite and fund in-house. No middleman means faster decisions, clearer terms, and one team accountable start to finish.
Same-day decisions
Apply in minutes and get an answer today. Complete files are often funded within 24–48 hours.
Underwritten on your revenue
We read your recent business bank statements, not just a credit score — so strong businesses qualify on their real cash flow.
Repayment that flexes
Terms are sized to your deposits, with flexible daily or weekly repayment instead of a rigid monthly bill.
A real advisor
Every client works with a person, not a portal alone — someone who knows your file and picks up the phone.
Software-backed transparency
Merchant and partner portals put live status, documents, and updates in your hands the moment they change.
One place to track every deal
Whether you're borrowing or referring, you get a real-time view — not a voicemail.
Merchant Portal
Track your application from submitted to funded, upload documents, message your advisor, and see offers the moment they're ready.
Partner Portal
Submit deals with bank statements in one place, watch every file progress in real time, and work directly with a funding source.
Have a question? Talk to a real person.
Our advisors are here to help you find the right capital — no pressure.
Ready to grow? Let’s get you funded.
Apply in minutes. Get a decision today. No obligation.