Disclosures
Please understand these key distinctions about our funding products before you apply.
Not a Lender
Funderly Capital is not a lender. We do not lend business loans. We provide revenue-based funding and merchant cash advances — the purchase of future receivables.
You Are Selling Future Receipts
We purchase a fixed portion of your future sales at a discount. In return, you receive an upfront lump sum. This is a sale transaction, not a loan agreement.
You Control Reconciliation
Remittances are based on your actual sales volume. If your revenue changes, you must notify us and provide bank statements or processing reports to request an adjustment. We rely on your communication to ensure remittances reflect your actual revenue.
This Is Not Debt
There is no interest rate, no fixed payment term, and no maturity date. This transaction is not classified as debt on your financial statements.
It's a Legal Obligation
While payments can adjust based on sales, the obligation to deliver the purchased amount remains. Defaulting has legal and financial consequences.
Remittance Follows Sales
We collect via ACH based on your sales volume, not as fixed installments. This provides flexibility as your business experiences natural fluctuations.
The Guaranty Ensures Fair Play
The Personal Guaranty ensures you follow contract terms (like not hiding revenue). It's not a guarantee to repay funds like a traditional loan guaranty.
If you have any questions about these disclosures, please contact us.