Direct funder · Merchant cash advance
Capital that flows when your business needs it.
Moneyfall purchases a share of your business's future receivables for a lump sum paid up front. Decisions come back in under two hours, straight from the funder writing the check.
- Advances up to
- $3,000,000
- Terms
- Up to 12 months
- Time in business
- 6 months+
- Credit score
- No minimum
- Decision
- Under 2 hours
Where would you like to go?
One funder, three ways to work with us.
Whether you need working capital, already have an advance with us, or refer businesses for a living, everything you need is a click away.
Get working capital
See how a merchant cash advance works, check whether you qualify and apply in minutes.
- Up to $3,000,000
- Terms up to 12 months
- Decision in under 2 hours
Manage your advance
Look up your balance by company name or deal ID and handle requests without waiting on hold.
- Balance lookup
- Payoff letters and reconciliations
- Renewals and bank changes
Send us your deals
Work with the funder that prices the file, with commission paid on the funded amount.
- Up to 12 points
- Positions considered through 6th
- Answers the same afternoon
How it works
From bank statements to funded, usually the same day.
We underwrite on how your business actually performs: deposits, cash flow and time in business. Your credit score is one input, never the deciding one.
- I
Apply
Send a one-page application and your most recent business bank statements. That is usually all it takes to get an offer.
- II
Review your offer
Within two hours you see the purchase price, the total amount purchased and the remittance schedule, with the cost disclosures your state requires.
- III
Get funded
Sign electronically and funds go to your business account. Remittances come out by ACH, daily or weekly, as a share of your receivables.
Why Moneyfall
The capital behind the offer.
Moneyfall funds from its own balance sheet. The person reviewing your file is the person who decides, so answers come quickly and terms do not change after you say yes.
Direct decisions
No brokers re-shopping your file and no committee waiting to sign off.
Clear terms
Purchase price, purchased amount, remittance and every fee in writing before you sign.
Built-in flexibility
Remittances are tied to your receivables, and your agreement includes a reconciliation right if sales slow.
Room to grow
Renewals open once half of your purchased amount has been remitted.
Common questions
Straight answers.
More in our full FAQ, including sections for existing clients and ISO partners.
- ?
Is a merchant cash advance a loan?
No. Moneyfall purchases a specified percentage of your future receivables at a discount. There is no fixed maturity date, and what you remit is tied to what your business collects.
- ?
How long are the terms?
Up to 12 months, depending on the size of the advance and your revenue.
- ?
What if my sales slow down?
Your agreement includes a reconciliation right. If your receivables fall, ask us to adjust your remittance to match what you are actually collecting.