Direct lender · Same-day decisions · Funding up to $500K Call now: (908) 484-6481
FAQs

Questions? We’ve got answers

Everything you need to know about applying, qualifying, funding, repayment, and partnering with The Funding Depot.

Getting started

How do I apply?

Start online in a few minutes — tell us about your business and how much you need. There's no paperwork required to begin and no obligation.

Will applying affect my credit?

Checking your options is a soft credit pull and won't hurt your score.

Are there any fees to apply?

Applying is free and there's no obligation. If we make you an offer, every cost is laid out in writing before you sign — you'll never be charged to find out what you qualify for.

Qualifying & funding

What do I need to qualify?

Generally 6+ months in business and consistent monthly revenue deposited into a business bank account. We look at your business and cash flow, not just your credit score.

How much can I get?

Funding ranges from $5,000 to $500,000. Your actual amount depends on your monthly revenue and time in business.

How fast can I get funded?

Most approved applicants are funded the same day or the next business day after the file is complete — often within 24 to 48 hours.

Repayment, cost & fees

How does repayment work?

Flexible daily, weekly, or bi-weekly schedules that fit your cash flow. With a merchant cash advance, repayment is a small, automatic share of your sales — lighter on slow days.

How is the cost calculated?

For a merchant cash advance, the cost is set with a factor rate at approval rather than a compounding interest rate — so you know the exact total you'll repay from day one.

Is there a benefit to paying early?

Yes — repeat and early-paying customers can earn loyalty discounts on their remaining balance. Ask your advisor how it applies to your file.

For ISO partners

How do I become a partner?

Apply through our ISO partnership page. Because we're a direct funder, you work with the source — with transparent splits and a dedicated partner desk.

How are commissions paid?

With clear, agreed-upon splits paid promptly on funding — no broker-to-broker markup skimming your points.

Do you protect my merchant relationships?

Yes. We don't poach your merchants or go around you at renewal — your book stays yours.

Still have a question?

Talk to a real advisor — no pressure, no obligation.

(908) 484-6481Contact us

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