Is Finance Factory a direct funder or a broker?

Finance Factory 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 Finance Factory will fund?

Finance Factory's published floor is Any in average monthly revenue, with 0 months minimum time in business. Credit score floor is Any. These are box minimums — actual approval requires bank statements showing consistent daily deposits and acceptable NSF history.

How fast can Finance Factory fund?

Finance Factory's public speed quote is Varies. 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 Finance Factory 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 Finance Factory, 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.

Finance Factory Review 2026 — Rates, Terms, Honest Verdict

Best for: Startup-friendly marketplace with broader product range. Amount range: $5,000 – $5,000,000+. Speed: Varies. Below: the rate card, the watch-out, alternatives we'd compare against, and the honest verdict.

TL;DR

Finance Factory ranks #76 in our 2026 funder ranking. Best for pre-revenue or very early stage founders who've been excluded from revenue-based marketplaces and need exposure to a wider range of product types. The strength: Marketplace covering term loans, LOC, MCA, equipment, factoring, startup-friendly products. The watch-out: Smaller scale than major marketplaces.

Finance Factory rate card 2026

Category	Marketplace
Best for	Startup-friendly marketplace with broader product range
Amount range	$5,000 – $5,000,000+
Cost (factor / APR)	Varies by underlying product
Speed to fund	Varies
Min time in business	0 months
Min monthly revenue	Any
Min credit score	Any

The strength — what Finance Factory does better than anyone

Marketplace covering term loans, LOC, MCA, equipment, factoring, startup-friendly products. Will work with very early stage and pre-revenue businesses (rare among marketplaces).

The watch-out — what Finance Factory doesn't put in marketing

Smaller scale than major marketplaces. Some startup products are personal credit cards rebranded as 'business' funding — verify the actual product before committing.

Who Finance Factory is best for

Pre-revenue or very early stage founders who've been excluded from revenue-based marketplaces and need exposure to a wider range of product types.

Who shouldn't apply

Merchants ranking solidly above Finance Factory's box may want to apply to OnDeck or Credibly first for cheaper money. 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 Finance Factory actually makes sense.

How Finance Factory compares to the rest of the top 10

Funder	Category	Cost	Speed
Finance Factory (this funder)	Marketplace	Varies by underlying product	Varies
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 Finance Factory 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 Finance Factory a direct funder or a broker?: Finance Factory 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 Finance Factory will fund?: Finance Factory's published floor is Any in average monthly revenue, with 0 months minimum time in business. Credit score floor is Any. These are box minimums — actual approval requires bank statements showing consistent daily deposits and acceptable NSF history.
How fast can Finance Factory fund?: Finance Factory's public speed quote is Varies. 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 Finance Factory 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 Finance Factory, 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 Finance Factory's biggest weakness vs alternatives?: Smaller scale than major marketplaces. Some startup products are personal credit cards rebranded as 'business' funding — verify the actual product before committing.

Finance Factory — honest 2026 review.