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About Us
Our Story
At Funding In 123 we understand that choosing a funding source is a delicate decision. We value all applications and view each business uniquely, taking all circumstances into consideration. The principals of our company come from a small business background, hence we understand the day to day challenges and what it takes to make it successful.
Underwriting is done accordingly so we can fund your business in a way where the payback can be easily manageable and your business can thrive. We want a long term relationship with all of our merchants.
Who We Are
Funding In 123 is one of many leading providers of alternative business financing with easy to access and fast funding solutions for small and medium size businesses in the United States.
We are onboard with over 65 lenders that offer merchant cash advance, revenue based funding programs and much more. We present
your business with customized funding options.
We have two pioneers in the alternative financing market since 2008 working with us.
Our proprietary technology analyzes years of data and trends and provides fast approvals based on a business’s performance and potential and not off of traditional metrics.
Our Vision
Our company philosophy is simple; Don't be the biggest - be the BEST. We aim to provide an exceptional level of support to all of our merchants from application, to funding and most importantly, post funding.
All merchants will receive a designated Account Executive to assist with the submission, Funding Coordinator to make the funding experience simple and a Renewal Funding Executive that provides client support after the funding.
We are not a company with numbered accounts, we are a family with members.
What
We
Offer
Merchant Cash Advance
A merchant cash advance is a convenient and swift way to get your business the working capital it
needs.By purchasing a future portion of your credit card sales, a merchant cash advance provider will provide your business with an upfront, lump sum of cash.
The process is designed to get you the funds your business needs with ease and speed in mind; a merchant cash advance is typically repaid in less than 12 months.
Equipment Financing
Equipment financing can be arranged for any type of business equipment. The type of equipment and its condition will dictate how much a company can borrow on an equipment loan.
Just like a consumer car loan, equipment loans for a business will vary in their cost based on the equipment’s age, its new or used condition, and the length of time the equipment is expected to be in use.
A rusted out old Yugo will not be financed at the same rate as a shiny new Lexus. Just as with a car loan, the equipment bought with the loan funds will be the collateral for the loan.
ALTERNATIVE BUSINESS FINANCING
Lenders often lend to businesses that have very limited or poor credit by offering them a short term loan or merchant cash advance (MCA). These lenders will have lower qualifying requirements, but they will often take payments out of the borrower’s bank account on a daily basis (term loan) or hold back a certain percentage of credit card sales (Merchant Cash Advance).
This process allows the lender to feel more secure about making what is in effect a high-risk (for the lender) term loan without collateral.
Small Business Financing
Conventional or traditional business loans are basic term loans in that a borrower will gain a set amount of money to be repaid with a set number of payments over a specified repayment time and more often than not, with a fixed interest rate, although some traditional loans do have variable interest rate options.
These loans are available through traditional banks as well as through alternative lending institutions.
Bad Credit No Problem
Our financing options include poor credit small business loans for owners seeking working capital. Regardless of low FICO scores, 123 Funding business working capital feature simple paperwork, fast turnaround, and fixed payments.
However, if a standard business loan doesn’t suit your needs, options like 123 Funding merchant cash advance may be more preferable. Instead of relying on credit scores to evaluate a business’s ability to repay, this option provides much needed funds in exchange for a specific percentage of future credit card sales.
This allows business owners to obtain the cash they need and repay it based on future consumer transactions rather than their credit score.
Why Us
Deep Industry Knowledge
Understanding the challenges associated with small business advances and the need to easily access to working capital, we designed a business loan alternative that addresses many of the shortcomings associated with
a traditional bank loan.
10 Years of Experience
Our service offers the industry's best alternative to a small business loan. We've reviewed the available options in the marketplace and created the best Business Financing Programs available by offering the simplest application process, the broadest range of merchant acceptability and the highest advance volumes available.
In-house Investors
We know that applying for and managing a merchant credit solution can be tough, especially when you already have so much on your plate. We want to make this easy for you! To help, you will have at least two individuals assigned to you throughout the entire process. We don't hand you off or sell you off. We want to be your business financing partner, and we're sticking with you throughout the entirety of our agreement!
Do you need some additional capital before the agreement is complete? No problem! If we have received at least 50 percent of the agreed upon amount and you find yourself in need of another capital advance, we can help! Just contact your dedicated Account Executive to see if you're eligible to renew your merchant cash advance!
Contact Us
Our Address
200 Clay St,
San Francisco, CA 94105
Our Phone Number.