When you see the bunny, it means money.
We buy a percentage of your future sales, so we fund where your business is going, not where your credit has been.
Everything you need to know about us is in our name.
We fund businesses fast: in as little as 24 hours after approval, from $10,000 to $2,500,000.
Credit isn't the whole story.
We look at your deposits, not just your score: credit from 500 is considered when the business has 12 months behind it and $50,000+ in monthly deposits.
That's because we fund the future, not the past: we buy a percentage of your future sales.
See the three stepsBuilt for businesses with momentum.
If your business has a year behind it and strong monthly deposits, we want to see your file — even if you already have an advance.
The funding
- Amount
- $10K–$2.5M
- Term
- Up to 10 months
- Payments
- Daily or weekly
- Funds in
- As little as 24 hours
Who qualifies
- Time in business
- 12 months+
- Monthly deposits
- $50,000+
- Credit score
- 500+
- Negative days
- 5 or fewer a month
Have an advance?
- Second position
- Our strong suit
- Third and up
- Considered
- First position
- Case by case
- Renewals
- At 60% paid in
We don't fund businesses located in Utah, New York or Connecticut, or in trucking and logistics, auto sales, nonprofit organizations, debt consolidation and credit repair, debt collection, cannabis, publicly traded companies or law firms.
Not sure you fit? Take the 30-second eligibility check or call 844-828-7986.
The application process couldn't be simpler.
If you have been in business for a year or more and your deposits are strong, we want to see your application.
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01
Apply
Send us a short application and your recent bank statements.
Simple stuff — your last three months of business bank statements, plus month-to-date.
-
02
Review your offer
Our underwriters review the docs and open the piggy bank.
You know your total payback before you sign anything.
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03
Get funded!
Funds get deposited in your account and BOOM — you're off to the races.
In as little as 24 hours after approval.
Get a little behind on payroll? InstaFund it.
That's a pretty simple fact. But not every business can get funding as fast as they need it. That's where InstaFunders comes in — fast, efficient, easy capital for whatever you may need.
Anyone can give a cash advance. We'd rather get you somewhere.
Transparent from day one
You know what the advance will cost your piggy bank before signing any commitment.
Your total cost, up front
We agree on a percentage together, and you know your total payback ahead of time. No surprises later.
Working toward yes
Our team reviews your documents and works to get you to a responsible “yes.”
People who get it
Skilled representatives with empathy for your situation — who have your back whether the rain is pouring or the sun is shining.
“Our goal isn't just to give cash advances. Anyone can do that. Our goal is to help you get to your goals — and to do it with integrity.”
Ready to get started?
Select one of the two options below to launch.
Questions, answered.
Still curious? We like it when people say hi. Call 844-828-7986 or write to admin@instafunders.com.
What is a merchant cash advance?
It isn't a loan. You sell us a percentage of your future sales, and we send you the funds now. Payments are an agreed percentage of your sales until the purchased amount is delivered — and you know that hard stop number ahead of time.
How much can I get?
From $10,000 up to $2,500,000, depending on your monthly deposits, time in business, existing advances and credit. See our funding programs.
What do I need to apply?
A short application and your last three months of business bank statements, plus month-to-date (four months in California). You'll need 12 months+ in business and $50,000+ in monthly deposits — the full list is on our requirements page.
How fast will I get the money?
In as little as 24 hours after approval, your funds appear in your account. We understand you need it today, not a week from now.
Can I qualify with bad credit?
Often, yes. We fund based on your future sales, not your past, and consider credit scores from 500. Every application is reviewed by our underwriters.
Will I know the total cost before I sign?
Always. Transparency is the feature we're most proud of: you know exactly what the advance will cost before signing any commitment.
Ready when you are.
One short application, three months of bank statements and a real answer from a real underwriter. Funding from $10,000 to $2,500,000.