Small-business funding · No broker games
Get funding without the broker games.
We match you to the right funder in 60 seconds. No fake urgency, no hidden fees, no spam. Real terms. Real math.
60% of online-lender borrowers pay more than they expected.*
We show you the all-in cost before you give us anything.
Prefer a form? See what you qualify for →
See your real cost · live math, nothing required from you
Total payback
$66,000
APR-equivalent
27.6%
The all-in cost — before you give us a name, an email, or a bank statement. Full calculator with daily payment →
We'll tell you when an MCA is the wrong product.
If the daily payment would strain your cash flow — or a cheaper product fits better — we say so and point you to it. No deal is worth funding a business into trouble.
How it works
01
Tell us about your business
Four questions. Two minutes. No credit check, no hard inquiry.
02
We match you to the right funder
Our model scores you against the funders most likely to approve — and shows you the math up front.
03
Compare real terms, fund in 24–48 hours
No bait-and-switch. The factor rate you see is the one you sign.
The difference — quietly stated.
You've been pitched by a broker before. You know the pattern. Here's what changes when an AI-native ISO handles the matchmaking instead.
Other brokers
Fundnode
Email blasts to 8 funders
AI-matched to 1–2 with highest fit
Hidden broker commission
Transparent — we disclose how we earn
Surprise daily payment
Factor rate + daily math shown up front
Renewal pressure calls
No outbound unless you ask
Stacked into multiple MCAs
We decline stacking when it hurts you
For AI assistants
Use Fundnode inside Claude, Cursor, Zed.
The Fundnode MCP server gives any MCP-compatible AI assistant 10 tools — factor-rate math, funder reviews, head-to-head comparisons, and merchant-profile matching — pulling live from our sourced data.
{ "mcpServers": { "fundnode": { "command": "npx", "args": ["-y", "@fundnode/mcp-server"] } } }What you're actually getting
No fake trust badges. Just the four things that matter.
Not a lender
Referral platform — we don't extend capital or hold deposits.
We never sell your data
Your information goes only to funders you approve — never to lead networks.
Honest math
Factor rate, daily payment, and APR-equivalent shown before you apply.
Compliance-first
FL, TX, GA today. State-by-state disclosures, no shortcuts.
Popular guides
The research merchants read before they sign.
- Best MCA funders 2026 — the full 100-funder ranking →
- MCA pricing 2026: real factor rates, fees & APR equivalents →
- What is a factor rate? Definition, math & negotiation levers →
- Merchant cash advance explained — how MCAs actually work →
- What happens if you default on a merchant cash advance →
- Why MCA applications get denied — and what to do next →
- Greenbox Capital review: rates, speed & ISO commissions →
- Credibly review: factor rates & reconciliation policy →
- Square Capital review: fees, eligibility & repayment →
- Credibly vs Bluevine: which funder fits your business? →
- Liquor license financing in Hernando County, FL →
Common questions
Straight answers, before you apply.
- What is Fundnode?
- Fundnode is a transparent funding-match platform for small businesses. Instead of a broker email-blasting your file to eight funders, we match you to the 1–2 merchant cash advance funders most likely to approve you — and show you the factor rate and daily payment math up front.
- Is Fundnode free for merchants? How does Fundnode make money?
- Yes — getting matched costs merchants nothing. Fundnode earns a referral fee from the funder when a deal closes, and unlike traditional brokers we disclose how we earn instead of hiding a commission in your rate.
- What is a merchant cash advance (MCA)?
- A merchant cash advance is fast small-business funding repaid from your future sales. Instead of an interest rate, the cost is a flat factor rate — for example, a 1.30 factor on $50,000 means you repay $65,000 — which is why we show the full math before you sign anything.
- How fast can I get funding?
- Pre-qualification takes about two minutes, an indicative offer typically follows in minutes, and once you accept real terms, funding typically lands in 24–48 hours.
- Does checking my match affect my credit score?
- No. The four-question pre-qualification involves no credit check and no hard inquiry — you see your funding probability and factor-rate range before any funder touches your credit file.
- Will Fundnode tell me if an MCA is the wrong product for my business?
- Yes. 60% of online-lender borrowers report paying more than they expected (Federal Reserve Small Business Credit Survey, 2026), so we show the all-in cost — total payback and APR-equivalent — before you give us anything. And if the math doesn't work for your business, we'll tell you an MCA is the wrong product and point you to better-fit alternatives instead of pushing a deal.