Straight Answers About How This Works

No. InstaFunding LLC purchases a specified amount of your business's future receivables at an agreed purchase price. You receive capital upfront; remittances come from receivables your business generates going forward. It is a commercial transaction between businesses — not a loan — and no interest is charged.

Where a traditional installment structure is a better fit, term loan products may be available through a separate affiliated entity licensed in Utah, with its own application and disclosures.

Complete applications frequently receive same-day decisions, and most approved businesses see funds in their account within 24–48 hours of accepting an offer. The biggest driver of speed is documentation: having your recent bank statements ready keeps everything moving.

Primarily the performance of your business: average monthly deposits, revenue consistency, time in business, industry, and existing obligations. Credit is considered as part of the full picture, but it is not the deciding factor the way it is at a bank. All funding is contingent on underwriting review, and terms vary based on your business profile.

For most files: the application plus your most recent business bank statements. Underwriting may request additional items depending on the size and structure of the transaction, but we keep documentation deliberately minimal.

It depends on your revenue and existing obligations. Businesses with existing positions are evaluated case by case — the question underwriting asks is whether your receivables comfortably support the total structure. Be upfront about existing positions on your application; it lets us structure correctly the first time.

Because the transaction is a purchase of future receivables, the structure is tied to receivables your business actually generates. If your revenue changes materially, contact us — our agreements include a reconciliation process, and our team works with businesses to review remittances against actual receivables as provided in the agreement. The most important thing is to communicate early.

Submitting the application on this site does not involve a hard pull on your personal credit. If you proceed with a transaction, underwriting may perform reviews as described in your agreement and authorization.

Over 700 — construction, restaurants, trucking, medical, retail, e-commerce, manufacturing, professional services, and many more. If your business generates consistent revenue, it's worth an application.

Offers are sized against your revenue — typically a function of your average monthly deposits, cash-flow consistency, and existing obligations. Rather than quote ranges that may not apply to you, we'd point you to the application: it takes minutes and produces a real answer, not an estimate.

Yes. Information you submit is transmitted securely, used for underwriting and servicing as described in our Privacy Policy, and never sold.