Got questions? We’ve got straight answers. Byzfunder was built to make business funding fast, simple, and real — no jargon, no runaround. Our FAQ is here to cut through the noise and give you clarity on how we work, what to expect, and how we can get capital moving for your business.
MCA stands for Merchant Cash Advance. It’s not a traditional loan—it’s an advance against your future sales. Instead of fixed monthly payments, you pay back through a small, agreed-upon percentage of your daily or weekly revenue until the balance is cleared.
Nope. We’re a direct lender—faster, simpler, and more flexible than a bank. We don’t do red tape. We get you approved and funded in hours, not weeks.
We look at the health of your business, not just your credit score. Minimum requirements:
- 6+ months in business
- $20K+ monthly deposits
- Average daily balance of $1K+
- At least 3 deposits a month
- Credit score 550+
Yes—Byzfunder is built for real businesses (LLC, Corp, or Sole Prop). If you’ve got revenue coming in, we’re here for you.
At least 1 year is preferred, but if you’re close and have strong revenue, we may still have options.
At least $20K a month in deposits. Higher revenue means more funding and better terms
We work with business owners with credit scores starting at 550. We care more about your cash flow and business performance than a perfect credit report.
Funding ranges from $5,000 up to $500,000 for new customers. Renewals can qualify for even more—up to $750,000.
It takes just a few minutes at apply.byzfunder.com. Connect your bank through Plaid, upload 3 months of statements, and you’re set.
Most deals are approved the same day. Once approved, funds can hit your account within hours.
ByzFlex is our flexible funding line designed for established businesses that want capital on standby. To qualify, you’ll need:
- At least 12 months in business
- $25K+ in monthly revenue
- Strong track record with Byzfunder or solid repayment history
With ByzFlex, you get a line up to $100K (top-tier customers up to $150K). You only draw when you need it, straight from your portal—fast, seamless, and always ready
Yes. We offer early payoff discounts (typically within 30–180 days). Paying early can reduce your total cost and free you up for a renewal sooner.
The initial application is a soft pull, which doesn’t impact your credit. A hard inquiry may only happen if you move forward with funding.
We do not report to consumer credit bureaus. In most cases, funding is based on your business performance and cash flow, not your personal credit.
No collateral is required. Byzfunder offers unsecured working capital—backed by your business revenue, not your equipment, vehicles, or property.
Yes, you can. Many of our clients come to us while carrying other advances. We evaluate your deposits and obligations to create a balanced funding plan that supports growth.
Generally, no. We focus on businesses with at least 6–12 months of revenue history. If you’re just starting out, we recommend building your deposits and applying once you’ve hit the minimums.
We fund a wide range of industries: construction, healthcare, logistics, restaurants, retail, and professional services. We avoid certain restricted categories (like gambling, firearms, or cannabis).
Approved today, funded today
