01
Restaurants & food service
Equipment, payroll, buildout
Fuel Growth. Fast. $5K – $5M
Working capital in as little as 24 hours
One short application. A straight answer the same day. Every number in writing before you sign.
- Applying won't affect your credit score
- One specialist from application to funding
- No obligation to accept an offer
- Fastest funding time
- 24 hrs
- Funding range across six products
- $5K–$5M
- Minimum FICO considered
- 550+
- Minimum time in business
- 3 mos
What we fund
Built for businesses that run on cash flow
02
Retail & e-commerce
Inventory and seasonal stock-ups
03
Trucking & logistics
Fuel, repairs, driver payroll
04
Construction & trades
Materials and bonded job starts
05
Auto repair & body shops
Parts, lifts, diagnostics
06
Medical & dental practices
Chairs, imaging, staffing
07
Salons, spas & fitness
Renovations and new locations
08
Professional services
Bridging slow receivables
Financing options
Pick the right tool, not the only tool
We'll point you to the cheaper option when it fits.
How it works
From paperwork to paid—without the runaround
A real funding specialist stays with you from the first form through funding. You see the numbers before you decide.
- 01
Submit your application
Tell us about your business in one short application.
- 02
Send your documents
Upload three months of bank statements securely—no tax returns or business plan.
- 03
Review a real offer
We walk through total cost, holdback, and term before you sign.
- 04
Receive approved funds
Approved funding can be wired in as little as 24 hours.
Fuse FundersIllustrative offerYour written offer
Your amount
Shown in dollars
- Total payback
- Exact dollars
- Payment amount
- Exact dollars
- Payment schedule
- Daily or weekly
- Estimated term
- Shown in months
- Applicable fees
- Itemized
- Offer review
- Before signing
Why Fuse
A better way to fund the next move
Banks price well but take weeks. Cards help with small gaps and leave big ones revolving. An advance quote is only useful when the whole math is on the page — ours is.
- Six products, one application — From merchant cash advance to SBA — find the right fit, not the only option.
- Whole cost on the page — Total payback, payment amount, schedule, term, and fees before you decide.
- One specialist, start to funding — Compares the paths, explains tradeoffs, and stays with your file.
- As little as 24 hours — Funds can arrive without a bank-length timeline.
- 3 months of statements to start — Enough to begin — not a full bank package.
- The cheaper option when it fits — We'll point you to the lower-cost product if it serves you better.
The card shows which figures appear in a written offer. Actual terms vary and are not a quote, approval, or offer of financing.
How we operate
What we put in writing
The cost, in dollars, before you sign
Total payback, holdback percentage and estimated term are on the offer sheet. No fee shows up at funding that wasn't on that sheet.
Your statements are not a lead list
Encrypted in transit, used to underwrite your file, and never sold or brokered to anyone. Applying here doesn't put you on a call list.
No pressure, no penalty
Walk away any time before you sign. Pay it off early and there's no prepayment penalty.
Questions
The things owners ask us first
What is a merchant cash advance?
It is not a loan. You sell a fixed portion of your future receivables at a discount today. Instead of a monthly payment and an interest rate, you agree to a total payback amount and a small holdback of your daily or weekly sales until it is satisfied.
How fast can I actually get funded?
Most complete files are reviewed the same business day and funded within 24 to 48 hours of signing. Larger advances or multi-owner entities can take an extra day for verification.
Will applying hurt my credit?
The initial review is a soft pull, which does not affect your score. We only run a hard inquiry if you accept an offer and ask us to move to funding.
What documents do you need?
The application, three of your most recent business bank statements, a photo ID and a voided check. Advances above $150,000 may require a fourth statement or a merchant processing statement.
How much does an advance cost?
Cost is quoted as a factor rate on the amount advanced, so a 1.25 factor on $50,000 means a $62,500 total payback. You will see that number, the holdback percentage and the estimated term before signing.
Can I qualify with bad credit or a prior default?
Often, yes. We weigh your bank activity and revenue consistency more heavily than your FICO. Open judgments, unresolved prior advances or a negative daily balance make approval harder but do not automatically disqualify you.
Still unsure? Talk to a specialist.
Working capital, without the waiting room
One short application, three bank statements, and a decision the same business day. Applying will not affect your credit score.