Plain-English guides on alternative funding, cash flow, and growing your business without the bank runaround.
Merchant cash advances and traditional loans solve different problems. Here's how to tell which one actually fits your business.
Smart founders use capital to accelerate growth — not patch holes. Learn the rules of thumb that keep repayments healthy.
If your sales are climbing but banks keep saying no, RBF might be the right fit. These are the signals to look for.
Waiting on freight invoices while fuel and payroll can't wait? Here's how owner-operators and small fleets get working capital in 24 hours — no collateral required.
Legal disclaimer: FundingGal facilitates Merchant Cash Advances (MCAs), Revenue-Based Financing (RBF), and Invoice Factoring. MCAs are the purchase of a specified amount of a business's future receivables in exchange for an upfront sum — not a traditional business loan, line of credit, or any other consumer credit product.
Pricing for MCAs is expressed as a Factor Rate or Purchase Price, not an annual interest rate (APR). Payment frequency varies by product: daily or weekly remittance for MCA, monthly for RBF (calculated as a fixed percentage of monthly revenue), and invoice-based for Factoring. Term lengths range from 20 days up to 36 months depending on product, business profile, and underwriting. All offers are subject to verification of business and revenue information.
Sample offers: Repayment amounts shown in any sample offer or quote calculator are illustrative only. Actual factor rates, total repayment, and remittance schedules are determined by underwriting based on your business performance, credit profile, and verification of revenue.
Disclaimer: Figures shown are for illustrative purposes only. All factor rates, terms, and payment amounts are samples; actual terms vary based on business performance, credit profile, and underwriting approval.