Built for the hustle

Merchant Cash Advances for Gig Workers & Self-Employed Businesses

Get Approved in Minutes

Takes about 10 minutes · won’t affect your credit score

Independent worker driving

Funded to independent workers$47.79M34,633 advances funded to date

Why Choose Fundo

Get Funded Up To $10,000 In Just A Few Hours

Built for the gig economy

The gig economy now makes up about 35% of the US labor force — yet most gig workers can’t find financing without superb credit.

No equity, no personal guarantee

Fundo is an easy alternative to traditional bank and personal loans — no personal guarantee or giving up equity in your business.

Built for smaller revenue, too

Most providers won’t consider a business generating less than $10,000 in monthly revenue. That’s our speciality.

34,633advances funded to independent workers to date

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Who qualifies

Who qualifies for a Fundo Merchant Cash Advance

To qualify for Fundo’s financing, we require a minimum of three months in business with consistent account activity, and a minimum average monthly revenue of at least $1,500.

Freelancer at work

Freelancers

Uber, Lyft, Ride-share, Handy, TaskRabbit, Care.com, Fiverr, UpWork, AirBnB

Small business owner

Small Business

Truckers & Taxi, Salons & Beauty, Lawn & Pool Care, Bodega & Food Trucks

Independent contractor

Contractors

Event Planners, Home Health Aides, Consultants & Freelancers, Tutors & Trainers

Online seller

Sellers & Franchises

Amazon & Etsy, Avon, Amway, Herbalife, Mary Kay, Monat

How it Works

Applying For a Fundo Merchant Cash Advance is Simple

1

apply

Simply provide us with some basic information and complete a secure bank verification via Plaid. Don’t worry, we don’t store your login credentials.

2

Get approved

Verification of your transactions and approval takes place in minutes! Many customers don’t even need to speak with us!

3

Get your funds

Same-day funding available until 3 PM ET, subject to review and approval.

Eligibility Requirements

Below are the Minimum Eligibility Requirements For A Fundo Merchant Cash Advance:

A Bank Account

Needs to connect to Plaid or Decision Logic

Minimum Average Monthly Revenue

$1,500

Time in Business

3 Months

Everyone Loves Us Except the Competition

Fundo is very honest and transparent with their service. They are also quick with their funding process. I highly recommend them.

Honest and Transparent

– Kenneth D.

They were very helpful and explained things very well easy to work with and very friendly.Helpful and Friendly– Derrick B.

Excellent service quick options. Don’t miss any payments to keep them as a lending option for your business with reasonable rates.Reasonable rates– Fredy A.

Got questions?

Frequently asked questions

No. Applying uses your bank data through Plaid and does not involve a credit check, so it won’t affect your credit score.

We review your bank activity and give you a decision, then send your funds — as fast as the same day.

A connected bank account, at least $1,500 in average monthly revenue, and 3 months in business.

Fundo is not currently available to residents of California or New York. If you’re refinancing, you’ll need to have repaid at least 50% of your previous advance.