How We Work

Merchant Funding Network represents over 900 lenders/investment firms worldwide as agents or correspondents. We review the particulars of any new funding request by focusing on the borrower's geographic location, loan size, industry type, collateral (if any), mix of collateral, historical cash flows, credit profile, etc., to identify lenders who can fulfill the specific requirements of the borrower. We send a written synopsis of the transaction to specific lenders we have identified and speak with them further to select the most likely candidate to provide the best overall proposal. Our mandate and obligation is to obtain the best financing transaction for our client. We do not earn a closing fee unless the client is satisfied and has accepted the financing we have arranged.

Bridge Loans can be completed within 10 days

Most other transactions from 30 to 90 days

•  7% to 14% per annum on most debt-financing transactions.
•  1% per month and higher on discount factoring.
•  1% per month and up on PO financing. 
•  9% to 12% APR on Real Estate Transactions.

We typically earn a success fee at closing of 1% to 3% on the funded amount, determined primarily by the loan size, the type of transaction, and other factors. We have NO upfront fees. We require a small retainer to be credited against our closing fee, but only after the client has received and accepted our funding source's proposal with specific terms and conditions outlining the financing. 

Terms will be based on the client's representations on one of our funding worksheets. The initial work we perform on any new account is at our expense and involves an internal review and analysis of the transaction, followed by further review with a specific lender/investment firm. The lender will be selected based on your industry type, geographic location, loan size, credit profile, type, and collateral mix. The lender must express a defined interest in providing a proposal with specific terms based on the client's representations. We work on a non-exclusive basis, and the borrower may choose to accept other financing or pursue other available options later that would preclude a closing from occurring. In that event, the retainer will have covered our costs.