Fast Cash Funding offers merchant cash advances and cash flow credit programs to small businesses, with same-day approval available. They provide up to $1M in funding for inventory, equipment, payroll, and growth.
Editorially reviewed by Harvey Brooks
Fast Cash Funding is a business funding provider based in Miami, Florida, operating from the Citigroup Center at 201 S Biscayne Blvd. The company positions itself as a flexible alternative lender for small business owners who may face barriers with traditional lenders, explicitly stating they work with businesses "no matter your credit." They market aggressively on speed and accessibility, prominently featuring same-day approval and funding capabilities.
The company offers two primary products: Merchant Cash Advances (MCA) for businesses accepting credit or debit cards, and a Cash Flow Credit Program that provides yearly funding disbursed monthly to cover expenses like payroll and inventory. They claim to provide up to $1 million in funding and position their funding specialists as consultants who present multiple options rather than pushing a single product.
What distinguishes Fast Cash Funding is their explicit acceptance of lower credit profiles and emphasis on speed—same-day approval is prominently advertised on their homepage. They frame themselves as advisors helping businesses choose rather than gatekeepers, and their testimonials emphasize approval despite previous rejections from other lenders. The company operates with a relatively minimal web presence; several subpages appear to have 404 errors or placeholder content, suggesting a lightweight digital footprint.
Fast Cash Funding should be evaluated with caution as a traditional funding source. Merchant cash advances are not loans and typically carry significantly higher effective cost rates than conventional small business loans. The website lacks critical transparency around pricing, APR, fees, repayment terms, and actual approval requirements despite claims of flexibility. The aggressive "same-day approval" marketing and emphasis on serving rejected applicants suggests a predatory lending model. No regulatory disclosures, licensing information, or third-party reviews are presented on the website.
Yes. Fast Cash Funding is a registered company headquartered in 201 S Biscayne Blvd, Miami, FL 33132. They hold a NR rating with the Better Business Bureau.
CreditDoc Diagnosis
Fast Cash Funding is best for small business owners accepting credit cards who have been rejected by traditional lenders and need capital immediately, but recognize the critical caveat that merchant cash advances are expensive non-loan products with effective costs potentially exceeding 100% APR. Business owners should only pursue this after exhausting conventional SBA loans, bank lines of credit, and CDFI lenders, as the long-term cost of capital here is substantial.
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Read guide →New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
The total yearly cost of borrowing money, including the interest rate plus any fees the lender charges. Think of it as the 'true price tag' on a loan.
Lenders must show APR by law (Truth in Lending Act) because the interest rate alone can hide fees. Comparing APR across lenders is the most reliable way to find the cheapest loan.
Example
You borrow $10,000 at 6% interest for 3 years, but there's a $300 origination fee. The interest rate is 6%, but the APR is 6.9% because it includes that fee. You'd pay $304/month and $946 total in interest.
The percentage a lender charges you for borrowing their money, calculated on the amount you still owe. It's the lender's profit for taking the risk of lending to you.
Even a 1% difference in interest rate can cost you thousands over a loan's life. Lower rates mean less money out of your pocket.
Example
On a $20,000 car loan for 5 years: at 5% you pay $2,645 in interest. At 8% you pay $4,332. That 3% difference costs you $1,687 extra.
The original amount of money you borrowed, before any interest or fees are added. It's the 'real' amount of your debt.
Your interest is calculated on the principal. Paying extra toward principal (not just interest) is the fastest way to reduce your total cost and pay off a loan early.
Example
You borrow $25,000 for a car. That $25,000 is your principal. Your first payment of $450 might split as $150 toward interest and $300 toward principal, bringing your balance to $24,700.
How long you have to repay the loan, measured in months or years. A shorter term means higher monthly payments but less total interest paid.
Longer terms feel more affordable monthly but cost much more overall. A 30-year mortgage costs almost double in interest compared to a 15-year mortgage on the same amount.
Example
Borrowing $200,000 at 6.5%: A 15-year term costs $1,742/month ($113,561 total interest). A 30-year term costs $1,264/month ($255,088 total interest). You save $141,527 with the shorter term.
A one-time fee the lender charges to process and set up your loan. It covers their costs for underwriting, verifying your information, and preparing paperwork.
Origination fees are usually 1-8% of the loan amount and are often deducted from your loan proceeds — so you receive less than you borrowed.
Example
You're approved for a $10,000 personal loan with a 5% origination fee. The lender deducts $500 upfront, so you receive $9,500 in your bank account but owe $10,000 plus interest.
A person who agrees to repay your loan if you can't. They're equally responsible for the debt, and their credit is affected by your payment behavior.
Cosigning helps people with thin credit get approved or get better rates. But it's a huge risk for the cosigner — they're on the hook for the full amount if you default.
Example
A parent cosigns their child's $30,000 student loan. The child stops paying after 6 months. The parent is now legally required to make the payments or face collections, lawsuits, and credit damage.
The process where a lender evaluates your finances — income, debts, credit history, assets — to decide whether to approve your loan and at what rate.
Understanding what underwriters look for helps you prepare a stronger application. They check your DTI ratio, employment stability, credit score, and the asset's value.
Example
You apply for a mortgage. The underwriter reviews your pay stubs (income), bank statements (savings), credit report (history), and orders an appraisal (home value). This takes 2-4 weeks.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
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