Capital in 24–48 hours. No bank. No waiting.
We purchase a portion of your future receivables and wire working capital fast — cover payroll, stock inventory, and take the growth opportunity while your competitors are still filling out bank paperwork.
Three steps. Hours, not weeks.
We built the process around one thing: getting a real answer to a real business, fast.
Apply in minutes
Tell us about your revenue, time in business, and what the capital is for. No hard credit pull to see your options.
Underwriter decision
Real underwriters read your actual performance — deposits and cash flow, not just a credit score. Most complete files get an answer the same day.
Capital wired
Sign electronically and receive funds by wire or ACH, typically within one to two business days of approval.
Capital moves at the speed of decision.
Same-day decisions. Funding in as little as 24–48 hours.
Get funded nowAll funding is contingent on underwriting review and approval. Terms vary by business. Information on this site is illustrative only and not a commitment to purchase receivables or provide financing. A merchant cash advance is a purchase of future receivables — not a loan.
Capital that works as hard as you do
Businesses come to us when timing matters more than paperwork.
Cash flow gaps
Bridge the space between payables due today and receivables landing next month — without missing a beat.
Payroll
Your team gets paid on time, every time, even when a big invoice is running late.
Inventory & supplies
Buy in bulk, capture supplier discounts, and stock up ahead of your busy season.
Expansion
Open the second location, add the new truck, take the bigger contract — while the opportunity is still on the table.
Equipment
Replace or upgrade the machines your revenue depends on, without draining reserves.
Marketing & growth
Fund the campaigns and hires that generate the next stage of revenue.
Built for operators, not credit committees
| Criteria | InstaFunding | Traditional bank |
|---|---|---|
| Decision speed | Same day | Weeks to months |
| Funding speed | 24–48 hours | 30–90 days |
| What gets evaluated | Real revenue and deposits | Credit score, collateral, covenants |
| Paperwork | Application plus bank statements | Tax returns, financials, projections, personal statements |
| Structure | Purchase of future receivables | Interest-bearing debt |
| Flexibility | Remittances tied to your receivables | Fixed payments regardless of revenue |
This is not a loan — and that matters.
A merchant cash advance from InstaFunding is the purchase of a specified amount of your future receivables at an agreed Purchase Price. It is a commercial transaction, not a lending relationship: there is no interest, no principal balance, and no amortization schedule. Remittances are tied to the receivables you generate, and our agreements include a reconciliation mechanism. See our full disclosures and how an MCA compares to a bank loan.
If you generate revenue, we speak your language
What merchants say
Verbatim reviews from our Better Business Bureau profile. We don't write them and we don't edit them.
“My business had experienced a need for capital in a time the investors were keeping their money tightly out of our reach. To fulfill back orders, we turned to the InstaFunding team. They extended capital quickly and easily. We worked with their team throughout our payback period and even one time requested flexibility. Everyone went above and beyond for us. I appreciate their service to our Company and would highly recommend them.”Michael B. — verified BBB review, October 27, 2025
“I didn't qualify for a Bank loan. My business was on the verge of Bankruptcy. These guys got me money when no one else could. Great service! Thank you guys for saving my company again! Look forward to doing business in the future.”Ahmed S. — verified BBB review, October 26, 2025
BBB Accredited Business · A rating · 5.0 customer reviews · View profile ↗
Your receivables are an asset. Put them to work.
Join the businesses that have accessed $500M+ through InstaFunding.
Apply in minutesAll funding is contingent on underwriting review and approval. Terms vary by business. Information on this site is illustrative only and not a commitment to purchase receivables or provide financing. A merchant cash advance is a purchase of future receivables — not a loan.