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Our Services

Merchant Cash Advance

Merchant Cash Advance


Accepts credit cards as a mode of payment
Processes a minimum of $15,000.00 in credit card sales per month
Has been in business for at least 24 months
Seasonal businesses must provide 12 months of sales records; 6 months for non-seasonal businesses

No application fees

No collateral is required on most deals
Pay as you grow
95% Approval Rate
No fixed payments
No fixed terms
Completely automated process
You are NOT REQUIRED to change your credit card 

Features & Benefits

No application or late fees
No collateral required
Same-week fundings
Unrestricted use of funds
No restrictions on business types
Simple application process
24-hour approvals

2 Easy Steps to Qualify

  1. Fill out our application

  2. Submit your 6 most recent bank statements to our email

That's it!

The history and popularity of the merchant cash advance is closely tied to the growth and acceptance of credit cards and merchant accounts. As more and more businesses opened merchant accounts to accept credit cards as a form of payment, financial pioneers, such as Consolidated Funding, Inc., were then able to start extending business cash advances based on the cash flow passing through those merchant accounts.


Think of it as borrowing on the projection of your future receivables. Using algorithms, we can get a good idea about what you may be eligible for when we plug in your bank statements. Your monthly credit card sales will determine the amount of your business cash advance, and your personal comfort level will be a substantial factor in setting your repayment schedule

Get up to $500,000.00 in as little as 48 hours*

Minimum Merchant Requirements

24 Months in Business
12 Months of Ownership
Revenue of at least $15.000/month
Not home-based or Internet Business
One year or more remaining on the lease

Complete applications:

   A decision is rendered in 1 business day and you receive status notification:

   Pre-Qualified: Formal funding options are provided.
Pending Applications: We specify certain additional information that’s needed before a decision can be made.

   You can choose from several FLEXIBLE PROGRAMS to meet your business needs. We understand each and every business is different and will not fit into the same program.

Fill out our simple 3 step application

Business Advance

Business Advance

“Yes” approach to business underwriting

   We’re totally different from those “old logic” finance companies that rely mainly on your personal credit score and collateral. Instead of focusing on just these one or two factors, Consolidated Funding Inc works hard to help meet your needs.

Rethink your small business Advance

   At Consolidated Funding Inc we’re all about helping meet to your financing needs. Plus, you can count on the predictability of smaller, fixed payments to help plan and manage cash flow better. And unlike with others, the application process takes hours, rather than weeks.

Real capital for real business on your terms

   We know how frustrating it can be when you see opportunities you can’t act on because you don’t have the right financing. The reality is, lots of small business Advance applications get rejected by banks. But the good news is, that Consolidated Funding Inc is ready to help meet your needs with real capital that lets you control payments on your terms.


Time in Business:
We make Advance to businesses that have been generating revenue for 3 months.

US Canada and Puerto Rico-based business.

Over 250 different industries, including restaurants, retailers and other service providers.

Because we value cash flow over credit scores, we work with small business owners with a wide range of personal credits scores

Features and Benefits

1 page application for pre-qualification no other paperwork necessary
No collateral required
Response in 30 min or less
No need to accept Credit Cards
No application fees
No collateral necessary

Choose the Advance terms that work best

   With Consolidated Funding Inc choice is key. Are you solving for a specific dollar amount, or the smallest payments or the shortest term? We’re ready to help you select the terms that are right for your needs.

You have the power to determine your daily payment amount, so you can manage cash flow on your terms. Not somebody else’s

Advance FAQs

   For your reference, here are some questions that most often come up about a business Advance through Consolidated Funding Inc. Don’t see your question feel free to contact us, 888-502-8883.

What’s a business Advance through Consolidated Funding *?

   A commercial Advance with fixed payment amounts, a maturity date, etc. But a business Advance through Consolidated Funding Inc is much more flexible than a traditional business Advance because you have a say in crafting how much the Advance is for, how long it will be outstanding and your payment amounts.

Which businesses qualify?

   Many businesses could qualify for a business Advance through Consolidated Funding Inc, as long as they’ve have been under the same ownership at the same location for at least 3 months, and meet other general qualifications.

How much can my business get?

A qualified business could receive up to $500,000.00 per location.*

long does the approval process take?

We offer same day funding.

Does the business owner need to pledge personal collateral?

   The business owner doesn’t need to pledge personal collateral, but the business will be expected to pledge its assets as collateral.

Will you review the owner’s credit history?

   Yes. As with any Advance, the guarantor’s credit history will be reviewed as part of the borrower’s qualification process. But unlike traditional Advances, an owner’s damaged credit history isn’t an automatic disqualification for the business.

Who do I contact with questions about my account?

   Customer Support can be reached through chat, push to talk, or the old fashioned way – just pick up your phone and dial us at 1-888-502-8883 (Monday-Friday from 8 AM – 5:30 PM EST).

Can I get a start-up Advance?

   These Advances are for businesses that have been operating under the same ownership for a minimum of 3 months. We do not offer start-up Advances.

We Have Experts Standing by Ready to Help You!

Do I need to process credit cards?


Premier Programing

Premier Program

Advances from $50,000 to $5 Million – Fixed Monthly or Weekly Payments

Needed Documentation

  • Application

  • Guarantor Form

  • Debt Schedule

  • Six months bank statements

  • Current P&L and Balance Sheet

  • Two most recent Business Tax Returns

  • Two most recent Personal Tax Returns

Restricted industries and business types:

  • None

12 months
24 months
36 months
48 months
Starting at 5.99%
Starting at 5.99%
Starting at 5.99%
Starting at 5.99%
Starting at 5.99%
Interest Rates
Net Business Income
Criminal Activity
Must have shown a profit on one of the last 2 years' tax returns
None in the past 7 years
None in the past 7 years

Apply or Give us a Call

Hedge Fund


Consolidated Funding is associated with several hedge funds to support business loans from 500,000 to 20 million with terms. Monthly payments up to 3 years, typically used for bridge funding. For more information regarding the required documents please call 888-502-8883 and ask for our hedge fund specialists.

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