← Fundnode

About

We built Fundnode because the MCA industry has a trust problem.

Small businesses in the United States generate $20B+ in merchant cash advance volume every year. A lot of that money is responsibly placed by brokers who genuinely help. A lot of it is not.

The same patterns repeat: a merchant calls for help with a payroll gap and ends up stacked into three MCAs at compounding factor rates. A broker quotes them a daily payment without ever mentioning APR. A funder claws back commission six months in, silently. The merchant is treated as the product, not the customer.

We don't think it has to work that way. AI is good enough in 2026 to match merchants to the right funder in seconds — at honest terms — without a human broker in the middle taking a commission for sending one email.

So we're building an AI-native referral platform. We score every merchant against every funder we work with, in real time. We show the math up front — factor rate, daily payment, APR-equivalent — before asking for anything. We disclose how we earn. We send the merchant to the funder most likely to fund them at the best terms, not the one that pays us most.

What we are — and aren't

What we are

  • A referral platform
  • A pre-qualification engine
  • An honest comparison layer
  • A merchant advocate

What we aren't

  • A lender — we do not extend capital
  • A bank — we hold no deposits
  • A debt collector
  • A free service — we earn from partners

How we earn

When you fund through a partner we route you to, that partner pays us a referral fee — typically a percentage of the funded amount. This compensation never affects what you pay. It comes from the funder's margin, not from your factor rate.

We disclose this on every page that shows partner offers. We do not accept compensation to push specific funders. We do not adjust your ranking based on who pays us most. The full compensation disclosure lives on our trust page.

Where we operate

We currently match merchants in Florida, Texas, and Georgia. Other states are joining the waitlist as we expand under counsel review. We expect to add Illinois, Ohio, Arizona, Nevada, and Colorado by mid-2027.

The team

We're early-stage and founder-led. The founding team has backgrounds in software, consumer fintech, and small-business operations. We'll publish team bios as we grow.

Editorial content on this site is written by the founding team and reviewed for factual accuracy against public industry sources (CFPB, Federal Reserve, state regulators, deBanked, FunderIntel, and our own funder-disclosed data). We cite sources where it matters and update articles when new data lands.

Contact

See for yourself

Try the match.

Four questions, two minutes, no credit check, no spam. You'll see your indicative factor rate, daily payment, and funding probability before we ask you for anything else.

See my match →