Funding that follows
your card sales.

A purchase of a portion of your future card sales at a discount. The funder gives you a lump sum today and collects a fixed percentage of your daily card receipts until an agreed total, the payback amount, is reached. It is technically not a loan, which is why the terms differ.

Advances in our network run from $5,000 to $500,000. Funders typically offer 70% to 120% of your average monthly card sales. A restaurant processing $60K a month might see offers between $40K and $70K.

The multiplier that sets your payback amount. A $40,000 advance at a 1.24 factor rate means you repay $49,600 regardless of how fast you pay. Because there is no interest clock, paying faster does not lower the cost, which is why the equivalent APR can be high.

Factor rates in our network range from about 1.15 to 1.45. Depending on how quickly your sales repay it, that works out to an equivalent APR anywhere from roughly 25% to over 80%. We calculate and show the APR on every offer so the comparison is honest.

Most advances fund within 24 hours of acceptance, and same-day wires are common for applications completed before noon. Opening the file usually takes a few hours once your processor and bank history are connected.

Businesses with at least three to six months of card sales, typically $10,000 or more a month, and no open bankruptcies. Personal credit scores as low as 500 can qualify because funders underwrite the sales, not the score.

Through a holdback: a fixed percentage of each day's card sales, usually 8% to 15%, is remitted to the funder automatically by your processor or by daily ACH. Sell less, remit less that day. Payoff typically lands between four and twelve months.

No. Applying through FundLine does not affect your personal credit score. Most advance funders run only a soft inquiry, and they disclose any hard pull before it happens.

Some funders offer a small discount on the payback amount if you settle early, often within the first 30 to 60 days. Many do not. Your specialist notes it on each offer so you can factor it in.

If you qualify for a line of credit or term loan, those almost always cost less. An advance makes sense when you need money in a day, when credit blocks other products, or when the return on the spend clearly beats the cost. Your specialist will tell you which applies.

Stacking advances is possible but we advise against it: multiple daily holdbacks can quickly exceed what your sales can support. If you already carry one, ask about refinancing into a single product instead.