Direct funder · Merchant cash advance
Capital that flows when your business needs it.
Moneyfall buys a share of your future receivables and pays you a lump sum up front. The underwriter reading your file is the one who decides, so you get an answer in under two hours and can be funded the same day.
Call or text anytime(917) 846-1535Start here
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 an advance works, which program fits and what it costs.
- Up to $3,000,000
- Terms up to 12 months
- Decision in under 2 hours
Manage your advance
Look up your balance by deal ID and handle requests without waiting on hold.
- Balance lookup
- Payoff letters
- Renewals and bank changes
Send us your deals
Work with the funder that prices the file, 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. See the full process →
- I
Apply
A one-page application and your last four months of business bank statements. That is usually all it takes to get an offer.
- II
Review your offer
Within two hours: the purchase price, the total amount purchased, the remittance schedule and the disclosures your state requires.
- III
Get funded
Sign electronically and funds go to your business account. Remittances come out by ACH as a share of your receivables.
Four things are usually all it takes
- A one-page application
online, or through your ISO - 4 months of bank statements
business account, plus month-to-date - Owner photo ID
applicant must own 51% or more - A voided business check
for the remittance account
Funding programs
The right structure for the job.
Four programs built around how businesses actually use working capital. Compare programs →
Working capital advance
Our core program for inventory, payroll, repairs and everyday cash-flow needs.
Learn moreLarge-ticket funding
$500,000 to $3,000,000 for established businesses with larger revenue.
Learn moreRenewals & add-ons
Additional funding once half of your purchased amount has been remitted.
Learn moreExisting positions
Already have an advance elsewhere? We review files through 6th position.
Learn moreWhy 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.
Sized to your revenue
We set the remittance to what your deposits can support, not the largest number we could approve.
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 a team that works with you if sales slow.
Early payoff discounts
Paying early can lower your cost. For approved clients, paying off within the first 30 days can bring it as low as $0. Every discount is in writing before you sign.
Direct means direct
How to tell you're talking to the actual funder.
Many companies that call themselves funders pass your file to someone else. With Moneyfall, you can check for yourself.
- 1
The funder is named on your agreement
Your contract names the company buying your receivables and sending the money. No middleman, and no unfamiliar name at signing.
- 2
The money comes from our account
Funds are wired to your business account from our own capital the day the deal closes. Nobody else has to sign off first.
- 3
The underwriter decides
The person reviewing your statements makes the call. That is why you get an answer, and the reason for it, in hours.
- 4
We service what we fund
Balances, payoff letters and renewals are handled by the same team, reachable at (917) 846-1535.
Who we fund
Built for businesses with real deposits and real deadlines.
If your business has six months of history and steady deposits, there is a good chance we can help. See requirements →
Typical uses for illustration. Every advance is sized to the business's own revenue.
Learning center
Know exactly what you're signing.
Plain-English guides written for business owners. Visit the learning center →
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.
- ?
Can I save by paying early?
Yes. Moneyfall offers early payoff discounts. For approved clients, paying off within the first 30 days can bring the cost as low as $0.
- ?
I already have an advance. Can I still apply?
Yes. We review files through 6th position and size the offer to the cash flow left after your current remittances.
- ?
Does applying commit me to anything?
No. You see every number in writing, with any state-required disclosure, and decide only then.