Your business. Your next move.

Business funding.
Experienced guidance.

With over 15 years of MCA experience, Hybrid Funder connects business owners with funding partners and investors across all 50 U.S. states and Canada.

Explore merchant cash advance and working capital options for inventory, payroll, equipment, or growth. We help you understand costs, terms, and the path forward.

Get my funding options
Have a question before applying? Talk with our team →
Try the funding calculator ↓

Starting minimums: 3 months in business and $10,000 monthly business revenue. Additional provider criteria apply.

Small business owners across retail, trades, professional services, and transportation
15+ yearsMCA industry experience
U.S. + CanadaPartners serving all 50 states and Canada
One contactGuidance from submission through the funding process

Built around your business

More ways to find the funding you need.

Every business has a different cash-flow story. We work with multiple funding partners and investors to explore competitive options for your goals, with clear communication about costs and terms.

Merchant cash advances

Explore advances based on your business revenue and the provider’s review. Understand the purchased amount, remittance schedule, and agreement before you decide.

Working capital needs

Discuss funding for inventory, payroll, seasonal expenses, repairs, or growth. We help identify potential options across our funding network.

More complex requests

For larger needs or challenging situations, we can explore additional partner and syndication opportunities where appropriate.

Funding amounts vary with your business and the provider’s review. Products and terms vary by location. No amount or approval is guaranteed.

A starting point

See if your business meets the minimums.

3 monthsMinimum time in business
$10,000Minimum monthly business revenue
Business useFunding for your business expenses and goals

These are starting requirements. Funding partners may have additional criteria based on cash flow, industry, existing obligations, credit, and location. Meeting the minimums does not guarantee funding.

Clear steps. Personal guidance.

From your request to an informed decision.

01 / TELL US

Share your business needs

Complete the application and tell us how you plan to use the funds. We help organize your submission and explain any requested documents.

02 / EXPLORE

Review available options

Our funding partners review your request. If offers are available, we help you understand the amount, cost, payment structure, and terms.

03 / CHOOSE

Decide what works for you

There is no obligation to accept an offer. The selected provider controls final approval, the agreement, and disbursement. Timing varies.

Hybrid Funder coordinates submissions and communications. We do not directly issue the funding offered through this website. We may receive compensation for arranging funding and managing the process; ask your contact about applicable compensation and fees.

Understand Your Funding Costs

Explore how a factor rate affects the total payback. Change the example below to see the math. These are illustrations, not funding offers.

Total payback$65,000.00
Dollar cost, including entered fees$15,000.00
Estimated payment$2,500.00 / week
Net proceeds after entered fees$50,000.00

How the factor works: $50,000 × 1.30 = $65,000 total payback, or $15,000 above the advance before additional fees. Total payback ÷ number of payments gives the estimated payment.

A factor rate is not an interest rate or APR. This calculator does not calculate APR or account for the timing of payments. It assumes equal payments, no additional financed fees, and the full stated payback. Actual remittances, reconciliation rights, duration, fees, and early-payment provisions depend on the provider’s agreement. Selecting daily payments requires entering the number of business-day payments; changing frequency does not convert the payment count. Currency selection changes the display only, not exchange rates. No approval, amount, price, or timeline is guaranteed.

Explore my funding options →

Know who you’re working with

Experience, clarity, and a real point of contact.

15+ YEARS IN MCA

Meet the team behind your request

Hybrid Funder was founded by John Tinaz. Learn about our experience and how we connect businesses with funding partners and investors.

About Hybrid Funder →
UNDERSTAND YOUR OPTIONS

Know the costs before you choose

Compare the amount you receive, total payback, fees, payment structure, and agreement terms. There is no obligation to accept an offer.

Read our merchant cash advance FAQs →
DIRECT COMMUNICATION

Questions deserve clear answers

Speak with our team about your business, the application process, and the documents a funding partner may need.

Contact our funding team →

Business funding knowledge

Make your next funding decision an informed one.

Explore our resources on merchant cash advances, working capital, cash flow, and comparing business funding options. Start with the questions that matter for your business, then discuss the details of any offer with your funding contact.

01 / PREPARE

Know what to have ready

Review the business details and bank statements requested in the application. Avoid missing pages and last-minute document searches.

Read the application checklist →
02 / COMPARE

Understand MCA and SBA options

Compare funding structures, payment schedules, eligibility reviews, and costs before choosing a path.

Compare MCA and SBA funding →
03 / PLAN

Test the cash-flow impact

Explore your existing payments alongside a new funding scenario. Review what could happen if revenue is lower than expected.

Use the cash-flow planning tool →
Explore business funding resources

Your next move starts here

Let’s talk about your business.

Explore your options with an experienced funding team and a network of funding partners.

Get my funding options

Prefer a conversation? Call (347) 201-2367 or contact our team.