Terms & Disclosures
Important: FundingGal provides Merchant Cash Advances, which are the purchase of future sales — not a traditional business loan. Pricing is expressed as a Factor Rate or Purchase Price, not an annual interest rate.
About funding estimates
Any funding amount displayed on this site — including pre-qualified offers and quote calculator results — is an estimate based on the information you provided. It is not a guarantee of credit, an offer, or the result of a full underwriting review.
Final approved amounts, rates, and terms are determined by our underwriting team after verifying your business details, revenue history, time in business, state of incorporation, credit profile, and supporting documentation.
Soft credit checks
Pre-qualification uses a soft credit inquiry that does not affect your credit score. A hard inquiry may be required prior to final approval and funding.
Communications
By submitting an application you agree to receive emails and text messages from FundingGal regarding your application. Message and data rates may apply. Reply STOP to opt out.
Nature of the Transaction — Purchase of Future Receivables
Any funding provided through FundingGal is structured as the purchase of a specified dollar amount of your business's future sales and receivables (the "Purchased Amount") in exchange for an upfront payment to your business (the "Purchase Price"). This transaction is not a loan, line of credit, or any other extension of consumer or commercial credit. There is no borrower, no lender, no principal balance, and no interest rate. Pricing is expressed solely as a Factor Rate or Purchase Price.
No Fixed Maturity Date
Because FundingGal is purchasing a percentage of your future sales rather than lending money, the agreement has no fixed maturity date and no fixed monthly payment. Delivery of the Purchased Amount continues until the agreed Purchased Amount has been fully delivered to FundingGal from your sales. The time required to deliver the Purchased Amount will vary based on the actual performance of your business.
Specified Percentage of Daily Sales
You agree to deliver to FundingGal an agreed specified percentage of your daily gross sales and receivables (the "Specified Percentage") until the Purchased Amount has been delivered in full. Remittances are not fixed installments. When daily sales rise, the dollar amount remitted rises with them; when daily sales fall, the dollar amount remitted falls with them.
Reconciliation Right
Because remittances are tied to actual sales volume, you have an ongoing right to reconciliation. If, in any given period, the total amount actually remitted to FundingGal exceeds the Specified Percentage of your gross sales for that period, you may request a true-up so that the total amount remitted equals the agreed Specified Percentage of your actual sales.
To request reconciliation, contact us at hello@fundinggal.com with the subject line "Reconciliation Request" and provide bank or processor statements covering the period at issue. Upon verification, FundingGal will adjust future remittances or refund the over-collected amount so that net remittances reflect the agreed Specified Percentage of actual sales.
Risk of Loss; No Absolute Obligation to Repay
Because this is a purchase of future receivables and not a loan, FundingGal assumes the risk that your business may not generate sufficient sales to deliver the full Purchased Amount. So long as you do not breach the agreement (for example, by closing the business in bad faith, diverting sales, or providing materially false information), a slowdown or downturn in your sales is not a default.