Same-Day Funding Available

The Bank Said No.
We Said When.

Fundex delivers $5K–$15K to small businesses fast — no waiting, no collateral, no perfect credit required. All 50 states. Decisions in minutes.

Low Credit OK
All 50 States
No Collateral
No Hard Pull
Start Your Application
Takes 2 minutes · No hard credit pull · Funded today

🔒 Secure · No hard credit pull · No obligation

$5K–15K
Funding Range
Same Day
Funding Speed
All 50
States Covered
500+
Businesses Funded
3 steps to funded.

We cut the red tape. No mountains of paperwork. No waiting 30 days. Just a simple process built for real businesses.

01

Apply in Minutes

Fill out our short online form — just the basics. Business name, revenue, amount needed. No business plan, no tax returns required to start.

02

Decision in Hours

Our team reviews your application fast. We look at your cash flow — not just your credit score. Most applicants hear back the same day.

03

Cash in Your Account

Funds are sent directly to your business bank account. Use it for payroll, inventory, equipment, rent — whatever your business needs right now.

Built for the businesses
banks overlook.
For Merchants

Small Business
Owners

You've got a business to run. Whether you need to cover payroll, buy equipment, stock inventory, or handle an emergency — Fundex gets you cash fast when banks won't.

  • $5,000 – $15,000 available
  • Low credit scores accepted (500+)
  • Funded same business day
  • No collateral, no hidden fees
  • All 50 states — any industry
For Brokers / ISOs

Become a
Fundex Partner

Join our network of brokers and ISOs. Send us deals, we get them funded fast, and you earn competitive commissions — with transparent terms and a team that actually picks up the phone.

  • Competitive commissions on every deal
  • Fast decisions — same day approvals
  • Dedicated deal manager for your book
  • Simple submission process
  • We fund the deals others won't touch
What you need
to qualify.

We keep it simple. If you've got a real business generating revenue, there's a good chance we can fund you — today.

Time in Business
6+ months operating — we work with newer businesses too, just give us a call
Monthly Revenue
Minimum $5,000/month in gross revenue — bank statements required
Credit Score
We accept scores as low as 500 — cash flow matters more to us than credit
Business Type
Any industry, any state — restaurants, retail, auto, construction, healthcare & more
What We Need
3 months of business bank statements and a valid government ID — that's it to start
Send us deals.
Get paid fast.

We built Fundex to be the funder brokers actually want to work with. Fast approvals, fair commissions, and a team that communicates.

Why brokers choose Fundex:

Competitive Commissions

Earn strong commissions on every funded deal. We pay fast and we pay fairly — no games.

Same-Day Decisions

Your merchants get answers fast. We review submissions the same day — no week-long waits.

Dedicated Support

A real person handles your book. Call or text your deal manager directly — no phone trees.

Easy Submissions

Simple deal submission process. Send us the basics and we'll handle the rest — no endless checklists.

All 50 States

Send us deals from anywhere. We fund businesses in every state — no geographic limits on your book.

Transparent Terms

No surprises, no clawbacks. We operate with integrity. What we offer is what gets funded — period.

Register as a Broker Partner

Fill out the form below and a member of our team will be in touch within one business day to get your account set up.

24hr Onboarding
Business owners funded.
★★★★★

"I was turned down by two banks. Fundex had me approved in a few hours and the money was in my account by end of day. Couldn't believe it was that fast."

D
David R.
Auto Repair Shop · Texas
★★★★★

"Needed $10k fast to restock before the holiday season. Fundex came through when no one else would. My credit isn't great but they focused on my sales, not my score."

M
Maria S.
Boutique Retail · Florida
★★★★★

"As a broker, Fundex is the most reliable funder I've worked with. They pick up the phone, they fund fast, and my merchants are happy. I've sent them dozens of deals."

J
James T.
ISO Broker · New York

Funding That Moves
As Fast As You Do.

Apply today. Get your offer today. Get funded today.

Common questions.
A Merchant Cash Advance is not a loan — it's a purchase of your future business receivables. We provide you with a lump sum of cash upfront, and you repay it as a small percentage of your daily business revenue. Because repayment is tied to your revenue, slower days mean smaller payments.
We accept applicants with credit scores as low as 500. We focus more on your business's cash flow and monthly revenue than on your personal credit score. Even with past credit issues, bankruptcies, or tax liens, you may still qualify.
Most applicants receive a decision the same day they apply. Once approved and the agreement is signed, funds are typically deposited into your business bank account the same business day or the following morning.
We offer funding from $5,000 to $15,000 for qualifying businesses. The payback amount and term length depend on your revenue and the offer we structure for you. Our team will walk you through the exact terms before you sign anything — no surprises.
To start, we just need your last 3 months of business bank statements and a valid government-issued photo ID. Depending on your situation, we may ask for a voided business check or a basic application form. That's typically all you need to get an offer.
We provide funding to small businesses in all 50 states. No matter where your business is located in the US, you're eligible to apply for a Fundex Merchant Cash Advance.
Register as a broker partner using the form on this page. Once your account is set up (usually within 24 hours), you'll be assigned a deal manager and given a direct submission process. You can then start sending deals right away.