Welcome to the HybridFunder FAQ page — your go-to resource for quick, clear answers about our business funding solutions. Whether you’re exploring merchant cash advances, lines of credit, or equipment financing, we’re here to guide you every step of the way.

💡 General Questions

What is HybridFunder?
HybridFunder is a small business financing platform offering fast and flexible capital solutions, including merchant cash advances, invoice factoring, equipment financing, and business lines of credit.

How does HybridFunder work?
Our process is simple: Apply online, get approved quickly, and receive funding in as little as 24 hours. We customize solutions to fit your business needs.

Who qualifies for funding?
We work with startups and established businesses across all industries — no restrictions. Approval is based on revenue, not just credit.

Do I need a high credit score?
No. We focus more on your business performance and revenue than on your credit score.

💸 Merchant Cash Advance (MCA)

What is an MCA?
An MCA provides a lump sum of cash in exchange for a percentage of your future sales. It's flexible, fast, and doesn’t require collateral.

How fast can I get funded?
Most MCAs are funded within 24 hours of approval.

Do I need to pledge assets?
No. MCAs are unsecured and don’t require traditional collateral.

How are payments handled?
Repayments are deducted automatically as a percentage of your daily or weekly sales, adjusting to your business’s revenue flow.

⚙️ Equipment Financing

What is Equipment Financing?
This funding helps you purchase essential business equipment. The equipment itself usually acts as collateral.

What types of equipment can I finance?
We finance machinery, vehicles, technology, tools, and more.

Are the interest rates fixed?
Yes. Equipment financing typically offers fixed interest rates and predictable payments.

How fast is the approval?
Approvals are often completed within 24–48 hours.

🧾 Invoice Factoring

What is Invoice Factoring?
Invoice factoring gives you immediate capital by selling your unpaid customer invoices to a third party who manages collections.

Who should use it?
It’s ideal for businesses looking to improve cash flow while outsourcing receivables management.

Do I have to handle collections?
No. Once you sell the invoice, our partner handles the collections.

💳 Business Line of Credit

What is a Business Line of Credit?
A flexible funding solution that works like a credit card, allowing you to draw funds when needed and only pay for what you use.

What can I use it for?
Working capital, inventory, marketing, emergencies, payroll, and more.

What’s the credit limit?
Credit limits vary depending on your business’s financials and funding goals.

How fast can I access funds?
Once approved, funds can be accessed instantly within your limit.

📝 Application & Account Support

How do I apply?
Click "Apply Now" at the top of our site. The application takes just a few minutes and only requires 4 months of business bank statements.

Is the application secure?
Yes. We use bank-level encryption to protect your information.

Can I check my application status?
Yes. You'll receive email updates or you can contact our support team.

Do you charge application fees?
No. Applying is 100% free — no upfront costs.

💵 Repayments & Fees

How are payments made?
Repayments depend on the product — MCAs are paid via sales-based deductions, while loans have fixed terms.

Any prepayment penalties or hidden fees?
No hidden fees. We’re fully transparent about terms and costs.

Can I adjust my payment schedule?
Contact our team if you need help restructuring your payments.

What if I miss a payment?
Reach out to us immediately. We’ll work with you to find a solution.

📞 Contact & Support

How can I contact HybridFunder?
Visit our Contact Us page, call us at 347-292-1838, or use live chat during business hours.

What are your hours?
We’re open Monday through Friday, 9 AM – 6 PM EST.

How fast can I get funding after approval?
Funding can be completed in as little as 2–24 hours depending on how quickly documents are submitted.

Can I still apply if I already have a loan?
Yes! If your business is in good standing and you can support another position, we may still be able to help.

What can I use my funds for?
Payroll, inventory, marketing, expansion — whatever your business needs.