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. You deal directly with the funder writing the check, and you get a decision in under two hours.
Start 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 and reconciliations
- 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.
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 more →Large-ticket funding
$500,000 to $3,000,000 for established businesses with larger revenue.
Learn more →Renewals & add-ons
Additional funding once half of your purchased amount has been remitted.
Learn more →Existing positions
Already have an advance elsewhere? We review files through 6th position.
Learn more →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, with a reconciliation right if sales slow.
Reachable people
Call or text (917) 846-1535 anytime and talk to someone who can help.
Who we fund
Businesses across the country, across industries.
If your business has six months of history and steady deposits, there is a good chance we can help. See requirements →
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.
- ?
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. Ask us to adjust your remittance to match what you are actually collecting.