01
Working Capital
Short-term funding for payroll, materials and timing gaps, and when to avoid it.
- Typical speed
- Often days
- Term
- Months
- Payments
- Daily, weekly or monthly
- Paperwork
- Light
Capital. Opportunity. Growth.
Real businessesgo further witha trusted partner.
Fast, flexible business funding to help you manage cash flow, buy equipment, open new locations, and take on what’s next.
Free to apply · No obligation to accept an offer · About 2 min
Contract checkBefore you sign
- Funding company named in the contract
- Total repayment in writing
- Payment amount & frequency
- Fees taken from proceeds disclosed
- Your right to walk away
Clarity score0/5
Fast ApprovalsAs soon as 24 hours
Flexible Amounts$5K — $5M+
Multiple Funding OptionsMCA, Term Loans, SBA, LOC & More
A Partner, Not Just a LenderReal People. Real Support.
No fee asked before fundingNo approval promisesFull contract before you signCosts in writingThe right to walk awayHonest fitNo fee asked before fundingNo approval promisesFull contract before you signCosts in writingThe right to walk awayHonest fit
See your offer, decoded
Know what you’ll repay before you sign.
Type in the numbers from any funding offer. See the money that actually reaches your account, the total cost and each payment — then watch your payoff progress, week by week, plus the red flags worth asking about.
0%paid off
Payoff progress
You took $50,000 — you’re 0% paid off.
Paid so far—
Remaining balance—
Payments made—
Payments left—
Week 1Payoff: —
First paymentHalfwayFinal payment
Reaches your account—
Total you repay—
Cost of funding—
Daily payment—
Number of payments—
Red-flag check tap any that apply to your offer
No red flags checked. Still read the full contract, including the default section, before you sign.
Illustrative example only — not an offer or a quote. Assumes equal payments (about 21 business days a month for daily payments) starting today. Your contract governs the actual terms. See our questions to ask before signing.
Funding options
Six products. Every trade-off explained.
a share of each day’s sales
02
Merchant Cash Advance (Revenue-Based Financing)
Fast funding tied to future sales. How it works, the real risks and the clauses to read.
- Typical speed
- Often days
- Term
- Until the fixed amount is remitted
- Payments
- Share of sales, daily or weekly
- Paperwork
- Light
fixed installments
03
Term Loans
A lump sum on a fixed schedule for planned investments. Fees, collateral and fine print explained.
- Typical speed
- Days to weeks
- Term
- One to several years
- Payments
- Fixed installments
- Paperwork
- Moderate
DrawRepayDraw again
04
Business Line of Credit
Draw, repay and draw again. How lines work, what they cost and when they can shrink.
- Typical speed
- Days to weeks
- Term
- Revolving, reviewed periodically
- Payments
- On what you draw
- Paperwork
- Moderate
repaid over the equipment’s life
05
Equipment Financing
Machines, vehicles and tools repaid over time. Loan vs lease and breakdown clauses explained.
- Typical speed
- Days to weeks
- Term
- Tied to equipment life
- Payments
- Fixed monthly
- Collateral
- The equipment
ApplyWeeksMonthsFunded
06
SBA Loans
Lower cost, longer terms, slower approvals. What SBA loans involve and when the wait pays.
- Typical speed
- Weeks to months
- Term
- Longest of the group
- Payments
- Fixed monthly
- Paperwork
- Heavy
Terms vary by funder and file. Compare all six side by side →
Contract X-ray
See what the fine print really says.
Move the lens over a sample agreement. Each highlighted clause is a term owners most often overlook — here it is in plain English, with the question to ask before you sign.
Business Funding Agreement
Sample language for illustration · not a real contract
1. Purchase Price. The Funder shall remit to the Merchant the Purchase Price, less the origination and underwriting fees set out in Schedule A, which are deducted from the proceeds, by wire to the Merchant's designated account.
2. Purchased Amount. The Merchant sells to the Funder the Purchased Amount, being the total sum the Merchant will remit over the life of this Agreement, collected by ACH debit as provided in Section 3.
3. Remittance. The Funder will debit the Specified Daily Amount from the Merchant's account each business day until the Purchased Amount has been delivered in full.
4. Reconciliation. The Merchant may request a reconciliation of the Specified Daily Amount to reflect actual receipts, upon written request accompanied by bank statements, which the Funder shall review within the period stated herein.
5. Events of Default. Any misrepresentation, a blocked or rejected debit, or a change of business account without notice shall constitute an Event of Default, upon which remedies under Section 6 become available.
Business Funding Agreement
Sample language for illustration · not a real contract
1. Purchase Price. The Funder shall remit to the Merchant the Purchase Price, less the origination and underwriting fees set out in Schedule A, which are deducted from the proceeds, by wire to the Merchant's designated account.
2. Purchased Amount. The Merchant sells to the Funder the Purchased Amount, being the total sum the Merchant will remit over the life of this Agreement, collected by ACH debit as provided in Section 3.
3. Remittance. The Funder will debit the Specified Daily Amount from the Merchant's account each business day until the Purchased Amount has been delivered in full.
4. Reconciliation. The Merchant may request a reconciliation of the Specified Daily Amount to reflect actual receipts, upon written request accompanied by bank statements, which the Funder shall review within the period stated herein.
5. Events of Default. Any misrepresentation, a blocked or rejected debit, or a change of business account without notice shall constitute an Event of Default, upon which remedies under Section 6 become available.
Start here
Hover the contract
Drag the lens across the agreement, or tap a term above. We’ll translate the clause it lands on.
Ask for the full contract, every schedule and every addendum — not a summary page.
Questions to ask before signing →General information, not legal advice.
How it works
Four steps. No surprises.
Apply with basic business details, share documents so your business can be reviewed, compare any offers with the key terms explained, and sign only when you understand the contract.
- 01
Apply in a few minutes
The application asks for basics: your business name and industry, how long you have operated, approximate monthly revenue, how much you are looking for and what it is for. It is free, takes a few minutes and does not commit you to anything.
- 02
Share documents securely
Most reviews start with recent business bank statements, which show deposits, balances and existing payments. Share documents only through a secure upload or an established read-only bank connection. Connecting your bank account safely →
- 03
Compare offers, terms explained
Compare the total amount you will repay, the payment amount and frequency, the term, any fees taken from the proceeds, and what you sign personally. You can decline any offer.
- 04
Sign only when it’s clear
After signing, final details are confirmed and the funds are sent to your business account, often net of any disclosed fees. Check that the deposit matches the contract and keep a signed copy of every document.
Our standards
The promises we keep on every file.
No fee asked of you before funding, no promise of approval before your finances are reviewed, the full contract available to read before signing, honest explanation of cost and risk, and the right to walk away from any offer.
01
Costs in writing.
Any cost is disclosed in your written contract.
02
No approval promises.
Decisions depend on your documents and a full review.
03
Time to read.
Ask questions, and consult an attorney or accountant if you want to.
04
Honest fit.
If short-term funding would strain your cash flow, we would rather say so.
$500M+In funding delivered
15,000+Businesses funded
4.9/5Client satisfaction
Trusted nationwide · Real businesses. Real results.
“TrustedBizFunder made it simple. We got the funding we needed to open our second location and keep growing.”
Funding built around your business
Every industry. Every opportunity.
From local shops to national brands, we provide the capital and expertise to help business owners move forward — no matter the industry.
Restaurants & Bars
Keep your business running at full capacity.
Retail & E-Commerce
Stock. Expand. Scale.
Trucking & Transportation
Fuel growth and keep operations moving.
Construction & Trades
Build bigger opportunities.
Medical & Healthcare
Invest in a healthier tomorrow.
Fitness & Wellness
Open. Upgrade. Grow.
Borrow safely
Read this before anyone asks you to sign.
Verify
How to check if a funding company is legit
→ ScamsThe upfront-fee business loan scam
→ ChecklistQuestions before signing a merchant cash advance
→ Contract termsThe reconciliation clause, explained
→General information, not legal advice.
How does funding through TrustedBizFunder work?
Your request is reviewed and you see real offers before you decide. The company providing the money is named in your contract, and you can verify it yourself before signing using the steps in our verification guide.
Does it cost anything to apply?
No. Applying is free and there is no obligation to accept an offer. Any cost of funding is disclosed in your written contract.
Which industries does TrustedBizFunder work with?
Businesses in all industries can apply. Our industry guides cover construction and trades, retail, e-commerce, professional services, home services, manufacturing and wholesale distribution.
What do I need to apply?
Your business name and industry, how long you have operated, approximate monthly revenue, how much you are looking for and what it is for. Most reviews then start with recent business bank statements.
Can TrustedBizFunder give me legal advice about a contract?
No. We explain common terms in plain English, but for legal advice about a specific contract, consult an attorney.
Ready to grow?
Let’s build what’s next — together.
Get StartedFree to apply · No obligation · No fee asked before funding