Frequently Asked Questions

Quick answers about revenue-based financing, approvals, and what to expect when you apply.

A Merchant Cash Advance (also called revenue-based financing) provides a lump sum of working capital in exchange for a portion of future receivables. Repayment adjusts based on your revenue flow, making it a flexible option for many small businesses.
Many businesses can receive a decision the same day. Funding timelines vary based on documentation and bank verification, but our process is designed to move quickly once your file is complete.
An MCA is not a fixed-term loan. It’s an advance on future receivables, so qualification is often based more on business performance and cash flow than strict credit-score requirements.
Common uses include inventory, payroll coverage, marketing, equipment, renovations, expansion, and smoothing seasonal cash flow. Ultimately, it’s working capital designed to help your business operate and grow.
Typically: basic business info, recent bank statements, and valid identification. Requirements can vary by industry and funding size, but we’ll guide you through exactly what’s needed.

Real Results from Real Business Owners

A few words from business owners who used Kreed Funding to get fast working capital.

★★★★★

“Kreed Funding got us approved the same day. We used the capital to restock inventory and finally stop missing big orders. The process was clear and the team stayed on top of everything.”

Derek L.
Auto Repair (Staten Island, NY)
★★★★★

“We needed quick working capital to cover payroll during a slow month. Kreed Funding moved fast, explained every option, and the funds hit our account right when we needed it.”

Marisol G.
Cleaning Service Company (Newark, NJ)
★★★★★

“Our restaurant’s POS upgrades couldn’t wait. Kreed Funding helped us secure funding without dragging it out for weeks. The payments were straightforward and the support was solid.”

Nina P.
Restaurant (Miami, FL)
★★★★★

“We had a large commercial job come in and needed materials up front. Kreed Funding made the whole thing simple—no confusion, no runaround, just results.”

Eddie R.
Constuction Company (Chicago, IL)
★★★★★

“Kreed Funding helped us consolidate short-term expenses and stabilize cash flow. We’re finally able to plan month to month without stress. Best decision we made this year.”

Tanya S.
Freight & Logistics Company (Tampa, FL)
★★★★★

“We were expanding our staff and needed capital for equipment and onboarding. Kreed Funding was responsive and transparent from the first call to funding day.”

Jason M.
Security Services (Los Angeles, CA)

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