Need simple fast funding?
With years of expertise and access to 20+ top lenders, we make securing business funding as smooth as a handshake, as fast as a tap, and as stress-free as a deep breath. Apply today and experience the freedom of having the capital you need at your fingertips!
WE FUND SMALL BIZ® PROVEN PROCESS
Fund your business in three simple steps
Request Quote
Our funding broker will give you a free, no-obligation quote at your convenience.
Receive Offer
We provide best offer quote 'without collateral.'
Fast Funding
Avoid the hassle of a long approval wait. We can fund as quickly as 1 day.
Meet a Local Small Business Funding Referral Agent Right in Your Neighborhood!
Feel the relief of fast, hassle-free funding from a trusted local expert who understands your business and your community.
For over a decade, we've helped small business owners like you secure fast, flexible funding—so you can feel the relief of cash in hand when you need it most!
When to work with We Fund Small Biz®
Cash Flow
Gaps
Expansion & Growth
Equipment Upgrades
Slow Bank Approvals
Credit Challenges
Seasonal Slumps
Get Ready for Fast, Hassle-Free Funding—Here’s What Happens Next!
The MerchFunders® Advantage
Fast. Simple. Competitive. The Smarter Way to Fund Your Business!
At We Fund Small Biz™ and David Allen Capital (DAC), we’re committed to helping business owners thrive. That’s why we’ve partnered with BankBreezy™—your all-in-one solution for securing funding from 20+ top lenders with just one application. More competition means better approval odds and the best repayment terms for you!
Small Business Funding FAQ's
Q: How hard is it to qualify and what are the requirements?
If you meet the minimum qualifications below, you have an 80% chance of approval from at least one of our 20+ funding providers.
Minimum Requirements:
Business revenue of $15,000+ per month for the last three months (verified through bank statements).
A business checking account (personal accounts do not qualify).
Owner FICO score of 550+ (lower than most traditional lenders require).
Minimal days with a zero balance and limited NSF (non-sufficient funds) occurrences in the last month.
Our process is designed to approve businesses faster and more often than banks, with no collateral required and a simple online application.
Q: How much do I qualify for?
The amount you qualify for is typically between 50% to 200% of your monthly business revenue. For example, if your business does $50,000 in monthly sales, you may qualify for $25,000 to $100,000.
These are short-term advances and loans, so lenders evaluate your current monthly sales and average daily bank balance to determine a daily or weekly payment your business can afford. From there, they work backwards to calculate your approval amount.
Keep in mind, if you already have existing loans or advances, that could lower your approval amount, since a portion of your sales is already committed to other payments.
Q: How long do I have to pay-off the advance loan?
Repayment terms typically range from 4 to 18 months, with the average term around 9 months.
Lenders look at your current sales and bank activity to determine what’s affordable. Shorter terms and payment amounts are based on what they believe your business can handle—even if your sales stay the same. However, the goal is that the influx of capital helps increase your sales and performance, making repayment even easier over time.
Also, all clients may be eligible for additional funding once a consistent payment history is established—often before the current advance is fully repaid.
Q: How long do I have to pay-off the advance loan?
The cost of capital typically ranges from 1.18x to 1.5x the amount advanced.
For example, if your business receives $30,000, your total repayment may range from $35,400 to $45,000 over 6 to 18 months.
Q: How long does it take to receive my funds?
The time it takes to receive funding can vary depending on the lender and the specifics of each application, but generally, funds from a business cash advance can be available quite quickly. Many providers aim to deliver funds within 24 to 48 hours after an application has been approved.
Q: How does the cost compare to a traditional bank loan?
A traditional bank loan at 12% over 5 years would cost about 1.34x the borrowed amount, meaning a $30,000 loan would result in a $40,200 repayment—but takes weeks or months to secure and requires collateral, a high credit score, and a long approval process.
Whereas with us it would typically range from $35,400 to $45,000.
Q: Am I restricted in what I do with my funds?
No, there are no restrictions on how you use the funds.
While most businesses use funding to increase revenue and profits—such as purchasing inventory at a discount, expanding operations, or covering unexpected expenses—you decide how to use the capital based on your business needs.
These advances are designed to provide flexibility, whether you're looking to scale, stabilize cash flow, or seize a time-sensitive opportunity.
Q: Does revenue based funding effect credit score?
Typically, receiving a funding advance does not directly impact your credit score because providers usually do not require a hard credit check that would appear on your credit report.
Funding Your Business is Just the Start—Unlock More Opportunities for Growth!
Secure the funds your business needs today, and once you establish a consistent payment history, you may be eligible for additional funding—sometimes before the current advance is fully repaid.
Keep your business growing with ongoing funding options at your fingertips! Apply today!
Shelly O'Meara. – Agent with We Fund Small Biz®
Shelly is on a mission with his MerchFunders® team to elevate the financial well-being of small business owners by providing smarter, alternative funding solutions. As an independent DAC/Bank Breezy partner broker currently part of a team of 14 agents, she understands the harsh reality that 8 out of 10 businesses can’t secure a loan from a traditional bank.
That’s where We Fund Small Biz® comes in—offering flexible funding options to help entrepreneurs grow, expand, and seize new opportunities. But Shelly doesn’t just hand out capital; she and her team take a strategic approach to ensure every client makes an informed, intelligent decision when leveraging debt.
Because debt is a double-edged sword—it can either be the key to building wealth or a fast track to financial ruin.
With We Fund Small Biz, small business owners aren’t just getting funding—they’re getting guidance, strategy, and a path to long-term success.
