Priced once, in dollars.
You are told the total you will remit before you sign anything. No annual percentage rate, no compounding, no late-fee ladder that quietly re-prices the deal.
Illustrative. Not an offer or a decision.
Revenue-based working capital
Funding sized to the week you are actually having.
Advances from $100 to $5,000, priced as one fixed cost against receivables you already collect. No interest, no percentage rate.
- 2 to 3 minute process
- Secure and encrypted
- Decision within minutes
- Funds as soon as next business day
- $100 to $5,000
- Advance range
- 3 months
- Minimum time trading
- $5,000
- Minimum monthly revenue
- 48 states
- Where we fund
The whole product, no tier above it
Counted from your first deposit
Averaged over the last three months
Not offered in California or New York
The product
What the advance actually is.
A merchant cash advance is the purchase of a slice of your future receivables. It carries no interest rate, no amortisation, and the whole cost is a single figure agreed up front.
$100
The floor, not a teaser.
Most funders will not write anything under five figures. We will write one hundred dollars, because a hundred dollars is sometimes the whole problem.
Remittance follows the deposits.
A small fixed share of daily receipts, taken as they land. A slow week remits less. The total never changes, only the time it takes to reach it.
Three months is enough history.
No two years of filed accounts, no personal collateral pledged against the advance.
What the cost looks like.
- You receive
- $2,000
- Fixed cost
- $360
- Total remitted
- $2,360
- Per business day
- $28
Illustrative. Not an offer or a decision.
How the money moves.
Four steps, in the order they happen. Nothing in between them is hidden from you.
Meeting the stated minimums does not guarantee an offer. Approval, amount and terms depend on review and verification.
60 sec
Typical time on the first screen
01
Say what the week costs.
One amount and your name. The dial in the hero is the whole first step, and nothing is submitted until you have seen the full request.
02
We read the deposits.
Three months of receipts, not two years of filed accounts. We are looking at what lands in the account, which is the only thing the advance is priced against.
Fixed
Cost is a figure, never an APR
03
One number, agreed.
The total you will remit and the share taken from each day's receipts, both quoted before anything is signed. There is no rate to work out afterwards.
04
The money moves.
Funds can reach the account as soon as the next business day once the agreement is executed and verification is complete.
Between $100 and $5,000, start to finish.
The request form is the only application on this site, and it takes about a minute.
Who this is written for.
Owner-operated businesses that take money in most days and occasionally run out of it before the month closes.
No hard pull.
Checking your options does not affect your score. Meeting these minimums does not guarantee an offer.
What we need to see
- A business bank account the deposits actually land in
- At least 3 months of trading, counted from your first deposit
- An average of $5,000 a month over the last 3 months
- A business registered in the United States, outside California and New York
What we never ask for
- A fee paid in advance in exchange for a promise of funding
- Personal collateral pledged against the advance
- A minimum score before we will look at the account
Mostly it is one of these eight weeks.
We ask what the advance is for because the answer changes how quickly it needs to move, not because there is a right one.
Payroll gap
The week a big invoice pays late and four people still get paid on Friday.
NeededBy Friday
Inventory
Stock offered at a discount that will not wait.
NeededThis week
Equipment or tools
A replacement that costs less than the day it would take to go without.
NeededSame week
Vehicle repair
The van is the business. It has to run.
NeededToday
Marketing push
A short spend in front of a season you can already see coming.
NeededAhead of season
Tax bill
Due on a date that ignores your cash cycle.
NeededBy due date
Seasonal ramp
Staff and stock in place before the busy weeks start, not during them.
NeededWeeks ahead
Supplier payment
Keeping the account in good standing.
NeededWithin terms
Three things, said plainly.
- This is a purchase.
- BetterFunding purchases a portion of your future business receivables under a Revenue Purchase Agreement. What you remit is not interest, and nothing about it is priced as a rate.
- There is no annual percentage rate.
- Pricing is a fixed cost, stated in dollars before you sign. Nothing compounds, nothing re-prices, and there is no rate to reverse-engineer afterwards.
- We never ask for a fee in advance.
- Nobody at this company will ever ask you to pay something up front in exchange for a promise of funding. If someone does, they are not us.
On the record
None of this is a marketing claim. Each one is written into the documents you sign, and you can read them before you give us anything.
BetterFunding LLC, a Florida limited liability company
Tampa, Florida 33602 · help@betterfunding.net
Who this is for
The week is already happening. The money just has not landed yet.
Questions
The ones people actually ask.
How is this different from bank financing?
Bank financing advances money against a promise to pay it back with interest. BetterFunding buys a portion of the receivables your business is already going to collect, at a fixed cost agreed in advance. There is no interest, no APR and no amortisation schedule.
How small can an advance be?
$100. The ceiling is $5,000. There is no larger tier hidden behind this one, and there is no minimum we quietly enforce above the published floor.
What do you need from me?
A business bank account, at least 3 months of trading, and an average of $5,000 a month in revenue over that period. We do not ask for filed accounts or for personal collateral.
Does checking my options leave a mark?
No. Reviewing your options is a soft inquiry and leaves your score untouched. If a request moves forward, we will tell you before anything is run and you can stop at that point.
How is remittance actually collected?
As a small fixed share of the receipts that land in your business account, taken as they arrive. A slower week remits less and takes longer. The total figure never changes.
How fast does the money arrive?
Funds can reach your account as soon as the next business day once the agreement is executed and verification is complete. Timing depends on your bank and on how quickly documents come back.
Which states do you fund in?
Every state except California and New York. Products are offered for commercial purposes only and are not available for personal, family or household use.
What if my business does not qualify?
We will tell you, in plain language, rather than leaving the request open. You are welcome to send it anyway if you are close to the minimums, and we will be honest about whether there is anything we can do.
Something not covered here? Write to help@betterfunding.net or call (813)-555-0142.
One form. About a minute.
It is the only application on this site. Submitting it is not an agreement and not an offer of funding, and BetterFunding never asks you to pay a fee in advance.
$100 to $5,000. Commercial use only. Not available in California or New York.