Working capital for owner-operators

The money is already coming.

We buy a share of your future receivables at one fixed cost. From $100 to $5,000.

$100-$5,000
$2,500

By continuing you agree to our Terms and Privacy Policy. Nothing is submitted until you review the full request.

Who it is for

Owners already taking the money, just not fast enough for this week.

The receipts are landing. We buy a share of the ones still on their way and bring the cash forward - so restocking, payroll or a repair does not have to wait on next month’s takings.

Shops, trades, salons and counters across 48 states. Business purposes only.

A shop owner standing in the doorway of her own store
The console

01

CH · Definition

PURCHASE

01Definition

It is a purchase, not a schedule.

We buy a set share of what your business is going to take. The money reaches you now, and the share comes out of receipts as they land. There is no instalment date to hit and no calendar to keep.

A fixed-term plan advances a sum against a calendar.

02Price

One cost, agreed before you accept.

The total is a figure in dollars, written on the offer, and it does not move afterwards. Nothing compounds in the background, nothing is added for settling early, and there is no fee for looking.

A fixed-term plan prices itself as an annual percentage rate.

03Remittance

A slow week remits less.

Because it is a share of receipts rather than a set amount, a quiet week costs you less than a busy one. The remittance follows your takings up and down - which is the reason this page has a trace running through it.

A fixed-term plan asks for the same instalment either way.

04Term

It ends the day it is met.

Once the agreed amount has been remitted, the arrangement is finished. Nothing renews, nothing rolls over, and there is no balance left sitting there waiting to be refinanced into another one.

A fixed-term plan ends at the end of its term.

A general comparison of two products, not advice about which one suits your business.

The run

Three steps, one of which is waiting.

01

Request

Set the amount and answer nine questions. Two to three minutes, and there are no documents to dig out first.

2-3 minutes

A food-stall owner setting a request from his phone at the counter01

02

Review

We read the last three months of receipts through a read-only bank connection. Nothing to scan, nothing to post, nothing to sign yet.

Minutes, not days

An owner reading the week's takings against an open planner02

03

Funded

Accept the offer and the money moves. As soon as the next business day for most approved requests.

Next business day

A shop owner taking a card payment at the counter03

What the week needed

  • Restock the shelves
  • Cover payroll on a short week
  • Fix the walk-in freezer
  • Pay a supplier deposit
  • Repair the delivery van
  • Take the bulk-order discount
  • Bridge a late invoice
  • Reprint the menu boards
  • Replace the card terminal
  • Cover rent on a slow month

Business purposes only. Nothing personal or household.

Application
2-3minutes
Decision
Minutesnot days
Funds
Next dayonce approved
States served
48of 50

What has to be true first.

All five, before a request is worth making. There is no score check in here and no personal guarantee to sign.

These are the conditions we check on every request. Meeting them is not an approval, and nothing on this page is an offer of funding.

  1. 01

    Trading for 3 months

    From the first day you took money, not the day you registered.

    — —
  2. 02

    $5,000 a month in revenue

    Deposits, card settlements and cash takings together. It does not have to be profit.

    — —
  3. 03

    A business bank account

    In the business name, at a US bank, with the last three months of statements available.

    — —
  4. 04

    Based in one of 48 states

    We fund everywhere except California and New York.

    — —
  5. 05

    Using it for the business

    Stock, payroll, repairs, a bill that came early. Not personal or household spending.

    — —

What happens to what you hand over.

Read-only bank access

We look at balances and deposits to confirm what your business takes. The connection cannot move money, and it can be revoked from your bank at any time.

No effect on your score

Asking is not an application to a reporting bureau. If a funder runs its own check before making an offer, it tells you before it does it.

One list, one unsubscribe

Email about your request, and about funding, only if you asked for it. Every message carries a working opt-out and it is honoured on the first click.

FundFront never asks for a fee in advance in exchange for a promise of funding, and never sells your information as a standalone product.

Questions

Everything people ask before they apply.

What exactly is an advance?

It is the purchase of a portion of your future receivables. You get a lump sum today and remit an agreed share of what you take from then on, until the agreed amount is met. It is a sale, not a repayment schedule.

What does it cost?

One fixed dollar figure, agreed before you accept anything. It is not an interest rate, it does not compound, and it does not change if the advance takes longer to remit than expected.

Will this affect my score?

Making a request does not affect your score. A funder may run its own checks before making an offer, and it will tell you before it does.

How fast does the money arrive?

Most approved requests get a decision within minutes and funds as soon as the next business day. Verification of your bank statements is the step that decides the pace.

What happens in a slow week?

Remittance is a share of what you take, so a quieter week remits less than a busy one. There is no fixed monthly instalment to miss.

Do I have to put up collateral?

Nothing is pledged to FundFront. Where a third-party funder provides the financing, its own agreement sets out any security it asks for, and you see that agreement in full before you sign it.

Which states can apply?

Forty-eight. This product is not offered in California or New York, and availability and terms vary elsewhere by state.

Who actually funds the advance?

FundFront connects qualifying businesses with funding partners. Where a partner provides the financing, that partner's Revenue Purchase Agreement governs the transaction and FundFront is not a party to it.

A small shop still lit on an empty street late at night

The week does not wait for a committee.

Two to three minutes to ask, minutes to hear back, and the money as soon as the next business day.