01
You say how much
An amount and a name, above. Then a short request about your business: how long it has been operating, its monthly revenue and its bank account. Checking is a soft inquiry and does not affect your credit score.
Business funding · $100 to $5,000 · no fee to ask
One request.Every funder on it.
What happens to one request
$100 to $5,000
Not a funder
No fee to ask
Soft inquiry, no score impact
A fixed cost, never an APR
About 3 months in business
Commercial use only
Not a loan: a purchase of future receivables
Every business on the street is different. One request reaches every funder that could help yours.
The most your business can ask for
From $100 up to it. A funder decides what, if anything, to offer inside that range.
$0
What LinkFunds charges you
Not before, not after. A funder may compensate us when a request we pass on is funded.
3 mo
About how long in business
With about $1,500 a month in revenue and a business bank account. Funders set their own criteria.
18+
Who can ask
A US business or self-employed owner authorized to act for it. Not available in California and New York.
How it works
One request, then four answers at once.
02
It goes out once
Your request reaches the funders in the LinkFunds network together, not one after another. Nobody is shown it first.
03
Some answer, some do not
Each funder reviews your business on its own and decides independently. Silence from one is not a decision by the others.
04
You read, then decide
A funder that wants to buy a share of your future receivables sends its own Revenue Purchase Agreement. Your business is committed to nothing until you sign it, and no one here can sign it for you.
Every funder makes its own decision, and the ones who want to make an offer come back to you.
What it costs
Nothing from us. A fixed cost from the funder.
Who pays for this
Not you.
A funder may compensate us when a request we pass on is funded. Nothing is charged to your business, before or after, and we never ask for a fee in advance.
Before you sign
01
The fixed total to remit
Advance times factor. It is set when you sign and does not grow with time. It is not interest and is not an APR.
02
How remittance is collected
A share of daily or weekly receipts, or a fixed debit. Ask whether it adjusts when revenue slows, and how reconciliation works.
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Anything held back at funding
An advance of $2,000 that lands as $1,850 is not the same deal. Read what is deducted, if anything.
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Who the funder is
The Revenue Purchase Agreement is between your business and the funder. Read who signs it, and keep a copy for your records.
How an advance is priced
Illustrative example, not an offer or a quote
$2,500$100 to $5,000
1.30x1.15 to 1.45
$12,000from $1,500
Fixed total to remit
$2,500 advanced at a 1.30 factor. The cost is $750, fixed at signing. It does not grow with time, and it is not interest or an APR.
Example daily remittance
About 10% of roughly $571 in daily receipts. A slower day remits less, a busier one more: the share stays the same, the dollars follow your revenue.
Example time to complete
Business days at this pace. If revenue dips, the purchase takes longer to complete; the fixed total does not change. Actual terms come only from the funder’s Revenue Purchase Agreement.
Everything else.
An advance is a business decision, not a long-term answer to revenue that falls short every month. Weigh the fixed cost against what the money will do. If something here contradicts a document a funder sends you, the funder’s Revenue Purchase Agreement governs; this page only describes what we do.
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What a merchant cash advance is
Not a loan. A funder buys a portion of your business's future receivables and pays you the purchase price up front, under a Revenue Purchase Agreement. What your business remits is a fixed cost, the purchase price times a factor, agreed at signing. It is not interest and is never expressed as an APR.
02
Who can ask
A US business or self-employed owner, 18+, authorized to act for the business, with about 3 months in business, about $1,500 in monthly revenue and a business bank account. For commercial purposes only, never personal, family or household use. Meeting these does not guarantee an offer.
03
Where we cannot help
Not for businesses in California and New York, which have their own commercial financing disclosure laws. Availability and terms vary by state.
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How remittance works
Usually as a share of daily or weekly receipts, or a fixed debit from your business account, set out in the funder's agreement. Because the funder bought future receipts rather than lending money, remittances can flex with revenue: a slower week remits less, and the fixed total stays the same.
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What we are, and what we are not
LinkFunds is a connection provider. We are not a funder, we are not a party to any Revenue Purchase Agreement, and we do not decide whether you are funded or on what terms. We pass your request to funders in our network, who decide independently.
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What happens to what you type
It goes to funders in our network so they can contact you about your request. We do not sell it as a list; the privacy policy lists every category.
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What we never ask for
A fee, ever. Anyone asking for an up-front payment to release an advance is not us: stop, and write to us.
Who you are dealing with
One company. One board.
LinkFunds is a free connection service for business funding, not a bank and not a funder. One office in Baltimore, and a desk that answers during the hours below.
Write to the deskThe company
LinkFunds LLC
a Maryland limited liability company
The office
250 West Pratt Street, Suite 1300
Baltimore, Maryland 21201
The desk
(410) 627-0852
Mon to Fri, 9am to 6pm Eastern
In writing
help@linkfunds.net
Answered on business days
The release
One request. Every funder. At once.
- Advance
- $100 to $5,000
- To ask
- No fee, ever
- To check
- Soft inquiry
LinkFunds is not a funder and never asks your business for a fee.
See my options
One short request about your business. No fee, and checking is a soft inquiry that does not affect your credit score. Commercial use only. Not available in California and New York.