Fast Business Funding
Working capital in hours, approved on revenue rather than credit or collateral.
- Merchant Cash Advance · Same-day approval, funded in as little as 1–4 hours
Fast Business Funding, Approved the Same Day
Merchant cash advances from $10K to $3M, funded in as little as 1–4 hours. No collateral, approved on revenue, bad credit considered. Need longer terms? We also arrange term loans, SBA, equipment and real estate financing.
- Same-Day Decisions
- No Collateral for MCAs
- One Application, Every Program
Instant Funding Estimator
See how much capital your business qualifies for in 30 seconds.
$25,000
$5K$500K+
650
Fair (300)Excellent (850)
*Estimate only. Final approval and funding terms are subject to full document review and underwriting.
What Is My Commercial Funding?
My Commercial Funding is a national business lending marketplace and commercial financing platform in Morristown, New Jersey, connecting businesses with direct MCA funders, institutional business lenders, and private credit funds. We specialize in fast working capital through merchant cash advances and revenue-based financing, with same-day approvals and merchant cash advances funded in as little as 1–4 hours. When a business needs more time or more capital, our lending platform also arranges term loans, SBA loans, lines of credit, equipment financing, business HELOCs, MCA refinancing and real estate investor loans.
Founded and led by Richard McKellar. Program terms as of , subject to underwriting.
- Funding Amounts
- $10K to $3M for merchant cash advances (higher on renewals); up to $8M for real estate
- Approval Speed
- Same-day decisions; MCA funding in as little as 1–4 hours
- Credit Requirements
- FICO scores from 500 considered for revenue-based funding
- Collateral
- None required for merchant cash advances
- Where We Fund
- Businesses in all 50 states
- Headquarters
- 100 Morris Ave, Morristown, NJ 07960
Every Way to Fund Your Business
Start with fast working capital. When you need more time, more money or a lower cost, the same team moves you to the next program.
MCA Refinance
Merchants with one or more advances who want lower, longer payments.
- MCA Consolidation & Refinance · Replace daily debits with monthly payments
Business Loans & Credit
Lower-cost, longer-term money once your business qualifies.
- Business Term Loans · Fixed payments, up to 12-year terms
- Business Lines of Credit · Draw as needed, pay interest on what you use
- Personal Loans for Business Owners · Qualify on total annual income (like a stated-income loan), no collateral
- Business HELOC · Use home equity for your business, keep your first mortgage
SBA Loans
Government-backed, long-term financing for established businesses and owner-occupied property.
- SBA 7(a) Loans · Working capital, acquisitions and real estate
- SBA 504 Loans · Owner-occupied property and equipment, 10% down
Equipment & Asset-Based Lending
Businesses with equipment, receivables or inventory to borrow against.
- Equipment Financing · Finance or lease the equipment you need
- Asset-Based Lending · Borrow against receivables, inventory and other assets
Real Estate-Based Financing
Investors buying, renovating, building or holding property.
- Hard Money Loans · Asset-based, approved on the deal
- Fix & Flip Loans · Up to 90% of cost, 7–15 day closings
- Bridge Loans · Short-term purchase or cash-out
- Ground-Up Construction · Up to 80% of cost for experienced builders
- Multifamily & Mixed-Use · Value-add and stabilized income property
- DSCR Rental Loans · Qualify on rent, no tax returns
- DSCR Multifamily & Mixed-Use · 5+ unit and mixed-use rentals on property income
- Commercial Real Estate Loans · Small-balance commercial property, up to $1M
Not Sure Which Program Fits?
Tell us your monthly revenue, credit range and what the money is for. We match one application to the right program.
Get MatchedCompare Business Funding Options
Headline terms for our most-requested programs. Every offer is priced on your file and quoted per deal.
| Program | Amount | Term | Speed | Credit | Collateral |
|---|---|---|---|---|---|
| Merchant Cash Advance | $10K–$3M (higher on renewals) | 30 days–18 months | Same-day approval; funded in as little as 1–4 hours (24–48 hours if the file needs extra review) | 500+ FICO considered | None |
| Business Term Loans | $20K–$500K | Up to 12 years | Days | Varies | No hard collateral |
| Business Lines of Credit | Up to $500K | Up to 36 months | Days | No minimum score | Varies |
| Business HELOC | $25K–$750K | 10–30 years | As few as 5 days | 600+ | Home equity (not available in all states) |
| SBA 7(a) Loans | $150K–$5M | Up to 25 years | Weeks | 680+ | May be required |
| SBA 504 Loans | Up to $5.5M SBA portion | 10, 20 or 25 years | Weeks to months | Good credit | The property or equipment |
| Equipment Financing | Up to $2M | Matched to equipment life | Days | Varies | The equipment |
| Fix & Flip Loans | $115K–$8M | 12–18 months | Closes in 7–15 days | 620+ | The property |
| DSCR Rental Loans | Up to $3.5M | Long-term | Weeks | 640+ | The property |
Terms as of October 2026. Subject to underwriting and state availability. Real estate loans are business-purpose loans to LLCs.
Already Have a Merchant Cash Advance?
If daily or weekly debits are squeezing your cash flow, you may be able to replace one or more advances with lower monthly payments. Options include a business HELOC with a 10 to 30 year term, a term loan, or a single consolidation advance.
How Same-Day Funding Works
- Step 1
Apply Online
A short form and your last few months of bank statements. No hard credit pull to see options.
- Step 2
Get Your Offer
Underwriters review your revenue and deposits, not just your FICO score, and you get a decision the same day.
- Step 3
Get Funded
Sign electronically and funds are sent the same day, often within hours.
See Your Options in 60 Seconds
One application is matched against every program: fast funding, loans and credit, equipment, business HELOC, refinance and real estate.
- No Obligation, No Cost to Apply
- No Hard Credit Pull to See Options
- A Dedicated Funding Specialist
- Multiple Offers From One Application
Secure Application. Your data is protected by 256-bit SSL encryption.
Funding by Industry
Underwriting that understands how your industry earns, from seasonal restaurants to contractors waiting on draws.
Real Estate Investor Loans
$115K to $8M for investors who buy, renovate, build and hold. Business-purpose loans to LLCs, closing in 7 to 15 days in 40 states plus DC.
Success Stories
Join over 10,000 businesses across the country that have scaled with MCF capital.
"MCF has been my go-to funding source and payment processor for 10 years. They come through when I need the money for inventory or to cover my slow season."
J
Joe L.
Publick House - Chester, NJ
"What was I supposed to do when Chase pulled my line of credit after 30 years? MCF has been a staple of my business ever since, providing the capital that I need in mere hours"
P
Phillip S.
The Square Yard - Summit, NJ
"Rich has always been decent to me and has come through when I have needed MCF. I have seen what other companies do and I am glad I found MCF. Never paying the broker's 'success fee' again!"
D
David K.
Restaurant Owner, NY
Funding Insights & Articles
All ArticlesEvery Type of Business Loan, Explained
Which funding fits your situation, from MCAs to SBA loans.
MCA vs. SBA Loan
How to choose based on your timeline and credit.
MCA vs. Term Loans
Cost, speed and repayment compared.
Bad Credit Business Funding
Options for owners with credit under 600.
Hard Money LTV Explained
How property valuation sets your loan amount.
Restaurant Funding Without a Bank
Fast capital for food service businesses.
Business Funding Questions, Answered
What is a merchant cash advance?
A merchant cash advance is upfront working capital in exchange for a share of your future sales. It is a purchase of future receivables, not a loan, so approval depends mainly on your monthly revenue rather than your credit score or collateral. Most advances are approved the same day and funded within 24 to 48 hours.
How fast can I get business funding?
Most merchant cash advance and revenue-based financing applications get a decision the same day. A merchant cash advance with a complete file is typically funded within 1 to 4 hours; files that need extra review take 24 to 48 hours. Term loans and lines of credit usually take a few days, business HELOCs fund in as few as 5 days, and real estate investor loans close in 7 to 15 days.
What credit score do I need?
Merchant cash advances consider FICO scores from 500 because approval is based on business revenue. Business HELOCs start at 600, real estate investor loans at 620, unsecured business loans at 680, and SBA loans generally require good credit.
Can I refinance or consolidate my merchant cash advances?
Yes. Merchants with one or more advances can often replace daily or weekly debits with lower monthly payments, using a business HELOC with a 10 to 30 year term, a term loan, or a consolidation advance. The right option depends on your revenue, credit and whether you own a home or property.
What is a business HELOC?
A business HELOC is a home equity line of credit used to fund a business. It lets you borrow $25,000 to $750,000 against your home without refinancing your first mortgage, with 10 to 30 year terms and funding in as few as 5 days. It is not available in every state, including New Jersey.
Do you offer real estate investor loans?
Yes. We arrange fix-and-flip, bridge, ground-up construction, multifamily and DSCR rental loans from $115,000 to $8 million. They close in 7 to 15 days, are made to LLCs for business purposes, and are available in 40 states plus Washington, DC.
Is My Commercial Funding a direct lender or a business lending marketplace?
My Commercial Funding is a national business lending marketplace and commercial financing platform that structures and closes business funding through a network of 75+ institutional business lenders, direct MCA funders, and private credit partners. One application is underwritten once and matched to the lender or program offering the best terms, and you work with one dedicated point of contact from approval to funding.
Is collateral required?
Not for merchant cash advances, revenue-based financing or unsecured business loans. Equipment financing is secured by the equipment, business HELOCs by home equity, and real estate loans by the property being financed.
More answers on our FAQ page.
Just Need a Quick Quote?
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- No Hard Credit Pull
- No Obligation
- Prefer to Talk? Call (888) 562-1119
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Highest approval odds for 2026. Minimal friction.