Our Funding Solutions

MyCommercialFunding provides alternative business funding solutions for US small business owners, featuring Merchant Cash Advances (MCA) up to $500,000, revenue-based business financing, equipment financing, bad credit business funding, and revolving lines of credit. Approvals are generated in hours, and funding is completed in 24 to 48 hours without hard collateral requirements. FICO scores down to 500 are considered based on monthly business revenues.

Business Funding Built for Speed and Simplicity

Traditional bank loans take 30 to 90 days to fund, require strong personal credit, and demand collateral most small business owners simply don't have. MyCommercialFunding was built to solve that problem. We connect business owners across all 50 states with revenue-based financing — including Merchant Cash Advances, lines of credit, SBA loans, equipment financing, and working capital — through a single streamlined application.

Our underwriting model prioritizes your business's monthly revenue and cash flow consistency over FICO scores. That means business owners with credit scores as low as 500, who would be turned away by traditional lenders, can qualify for same-day funding. No hard collateral is required, and there are no application fees — we never charge you fees.

With a network of 75+ vetted funding partners, MyCommercialFunding shops your deal across the market to secure the most competitive factor rates and flexible repayment terms available for your specific profile. Whether you need $10,000 for a payroll gap or $3,000,000 for a major expansion, our team delivers real offers — not pre-qualification estimates — within hours, not weeks.

Led by founder Richard McKellar, a veteran with over a decade of experience in the alternative lending industry, MyCommercialFunding operates on a simple principle: give business owners straight answers, real options, and fast capital. We would rather lose a deal than put a client into a product that doesn't serve their business. That's why we review every term — factor rate, holdback, total payback — with you before you sign anything.