Is CFG Merchant Solutions a direct funder or a broker?

CFG Merchant Solutions is a direct funder — they underwrite and deploy capital from their own balance sheet (or institutional credit facility), not by routing your file to other lenders. This matters because direct funders are accountable for the terms they quote.

What's the minimum revenue CFG Merchant Solutions will fund?

CFG Merchant Solutions's published floor is $25,000 in average monthly revenue, with 12 months minimum time in business. Credit score floor is 550+. These are box minimums — actual approval requires bank statements showing consistent daily deposits and acceptable NSF history.

How fast can CFG Merchant Solutions fund?

CFG Merchant Solutions's public speed quote is 24–48 hours. In practice, clean files (consistent revenue, no NSFs, no second position) fund at the fast end of that range. Files needing additional documentation, second-position deals, or larger amounts ($250K+) take longer.

Should I go directly to CFG Merchant Solutions or through a broker?

Going direct gets you a single quote with no broker commission baked into the factor rate. Going through a broker (like Fundnode) gets you scored against multiple funders, including CFG Merchant Solutions, with full disclosure of how we earn. There's no universal right answer — but if you only want one quote, going direct saves the broker's cut.

CFG Merchant Solutions Review 2026 — Rates, Terms, Honest Verdict

Best for: Compliance-clean operations + larger deals. Amount range: Up to $1M. Speed: 24–48 hours. Below: the rate card, the watch-out, alternatives we'd compare against, and the honest verdict.

TL;DR

CFG Merchant Solutions ranks #10 in our 2026 funder ranking. Best for multi-location operators, merchants in california or other strict-disclosure states. The strength: 17,000+ funded units in 2025. The watch-out: Less public on factor rate ranges.

CFG Merchant Solutions rate card 2026

Category	MCA specialty
Best for	Compliance-clean operations + larger deals
Amount range	Up to $1M
Cost (factor / APR)	3–5% origination fees; no PSFs per industry reports
Speed to fund	24–48 hours
Min time in business	12 months
Min monthly revenue	$25,000
Min credit score	550+

The strength — what CFG Merchant Solutions does better than anyone

17,000+ funded units in 2025. Already CA SB 362 compliance-ready for January 2026. Strong NYC institutional posture. No PSFs.

The watch-out — what CFG Merchant Solutions doesn't put in marketing

Less public on factor rate ranges. Generally pricier than Greenbox or Accord for similar profiles.

Who CFG Merchant Solutions is best for

Multi-location operators, merchants in California or other strict-disclosure states.

Who shouldn't apply

Merchants with less than 12 months in business will get an automatic decline — try Accord (3 months) or Greenbox (6 months) instead. Established multi-location operators may get better terms at OnDeck or NewCo Capital Group. As with any MCA decision, the cheapest money is the money you don't borrow — start with the calculator at /calculator to see if the deal you'd take from CFG Merchant Solutions actually makes sense.

How CFG Merchant Solutions compares to the rest of the top 10

Funder	Category	Cost	Speed
CFG Merchant Solutions (this funder)	MCA specialty	3–5% origination fees; no PSFs per industry reports	24–48 hours
Credibly	MCA + multi-product	Factor 1.11+ (MCA); APR varies for term + LOC	As fast as 4 hours
Greenbox Capital	Multi-product	Factor varies; published up to 19% ISO commission	24 – 48 hours
Accord Business Funding	MCA specialty	Factor varies by paper grade (often 1.40+)	Next-day for approved files
Bluevine	LOC	APR 6.2% – 27%	1 – 3 business days
OnDeck	Term + LOC	Term APR 27%+; LOC APR 30%+	Same-day for approved files

What to ask CFG Merchant Solutions before signing

"What's the APR-equivalent on this deal?" A funder who can't or won't quote it has something to hide. Required disclosure in five states as of 2026.
"Is there a prepayment discount?" Some funders charge the full factor regardless of payoff speed. Get the discount in writing before you sign.
"What's the reconciliation policy if my revenue drops?" The best funders adjust the daily ACH downward when deposits drop. Many won't. Ask in writing.
"Will you stack on top of an existing position?" Stacking is one of the top reasons MCA merchants default. If a funder accepts second/third position freely, that's a yellow flag for the merchant.

Frequently asked questions

Is CFG Merchant Solutions a direct funder or a broker?: CFG Merchant Solutions is a direct funder — they underwrite and deploy capital from their own balance sheet (or institutional credit facility), not by routing your file to other lenders. This matters because direct funders are accountable for the terms they quote.
What's the minimum revenue CFG Merchant Solutions will fund?: CFG Merchant Solutions's published floor is $25,000 in average monthly revenue, with 12 months minimum time in business. Credit score floor is 550+. These are box minimums — actual approval requires bank statements showing consistent daily deposits and acceptable NSF history.
How fast can CFG Merchant Solutions fund?: CFG Merchant Solutions's public speed quote is 24–48 hours. In practice, clean files (consistent revenue, no NSFs, no second position) fund at the fast end of that range. Files needing additional documentation, second-position deals, or larger amounts ($250K+) take longer.
Should I go directly to CFG Merchant Solutions or through a broker?: Going direct gets you a single quote with no broker commission baked into the factor rate. Going through a broker (like Fundnode) gets you scored against multiple funders, including CFG Merchant Solutions, with full disclosure of how we earn. There's no universal right answer — but if you only want one quote, going direct saves the broker's cut.
What's CFG Merchant Solutions's biggest weakness vs alternatives?: Less public on factor rate ranges. Generally pricier than Greenbox or Accord for similar profiles.

CFG Merchant Solutions — honest 2026 review.