123 Funding is a leading provider of alternative business financing with easy to access and fast funding solutions for small and medium size businesses in the United States. With our merchant cash advance, revenue based funding programs, we present your business with customized funding options. We have been a pioneer in the alternative financing market since 2010. Our proprietary technology analyzes years of data and trends and provides fast approvals based on a business’s performance and potential and not off of traditional metrics.

Simple Funding Solutions for Your Business With our merchant cash advance program, we provide an advance lump sum to you and a small percentage of your future credit card receivables is allocated as repayment for your loan. For business owners who do not use credit card processing, we offer unsecured business loans like our ACH loan program. In this case, payments are made through a daily deductions from your bank account, just like with direct deposit. Whatever type of business you operate, Secured Money Solutions has the loan solution you are looking for. What is Merchant Cash Advance? A merchant cash advance is an alternative to other types of traditional financing such as a business loan. MCAs are quick, require minimal paperwork and have a cash flow friendly repayment structure. With our merchant cash advances, we purchase a portion of your future credit card receipts and advance you a lump sum now. The amount we will advance you is based on your monthly credit card sales and your monthly gross sales volume. The advance is repaid automatically by a small predetermined percentage of your future credit card transactions until it is fully repaid. We get paid back only when you are getting paid. There is no collateral or personal guarantee as this type of funding is not a loan. Subsequently, there are no fixed payments or interest rates. Who Can Benefit From This Program? We have funded over 10,000 businesses across the U.S. , and 86% of our customers that have renewed their merchant advances at some point. Some of the types of business we fund are: Restaurants Dental Offices Auto Repair Shops Beauty Salons Grocery Stores Furniture Stores Cannabis Dispensaries Wellness Centres Chiropractor Trucking Companies / Logistic Nightclubs Spas Travel Agents Used Car Dealerships Adult Video Insurance Companies Some of Our Funding Programs Each business is different, that's why we have a wide variety of funding programs that adapt to each business’ specific situation. Starter Program - Designed to provide funds for businesses with poor credit history or businesses that have existed for a short period of time. Standard Program - Our most popular program; perfect for established retail businesses that process over $10,000 in credit card sales per month.