Is Fundshop a direct funder or a broker?

Fundshop 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 Fundshop will fund?

Fundshop's published floor is $10,000+ in average monthly revenue, with 6 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 Fundshop fund?

Fundshop's public speed quote is Offers in 24 hours; funding 1 – 3 days. 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 Fundshop 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 Fundshop, 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.

Fundshop Review 2026 — Rates, Terms, Honest Verdict

Best for: MCA-specific marketplace for fast comparison. Amount range: $5,000 – $500,000. Speed: Offers in 24 hours; funding 1 – 3 days. Below: the rate card, the watch-out, alternatives we'd compare against, and the honest verdict.

TL;DR

Fundshop ranks #75 in our 2026 funder ranking. Best for merchants who specifically want mca (have ruled out sba/term loan/loc) and want to compare 3-5 mca offers quickly. The strength: MCA-specific marketplace (unlike generalist Lendio). The watch-out: MCA-only — won't help if SBA or term loan is actually a better fit.

Fundshop rate card 2026

Category	Marketplace
Best for	MCA-specific marketplace for fast comparison
Amount range	$5,000 – $500,000
Cost (factor / APR)	MCA factor 1.18 – 1.45 (varies by underlying funder)
Speed to fund	Offers in 24 hours; funding 1 – 3 days
Min time in business	6 months
Min monthly revenue	$10,000+
Min credit score	550+

The strength — what Fundshop does better than anyone

MCA-specific marketplace (unlike generalist Lendio). Cited by Gitnux as MCA fast-funding option. Compares offers from multiple MCA funders without merchant having to apply individually.

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

MCA-only — won't help if SBA or term loan is actually a better fit. Marketplace lenders pay Fundshop referral fees, factored into pricing.

Who Fundshop is best for

Merchants who specifically want MCA (have ruled out SBA/term loan/LOC) and want to compare 3-5 MCA offers quickly.

Who shouldn't apply

Merchants ranking solidly above Fundshop'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 Fundshop actually makes sense.

How Fundshop compares to the rest of the top 10

Funder	Category	Cost	Speed
Fundshop (this funder)	Marketplace	MCA factor 1.18 – 1.45 (varies by underlying funder)	Offers in 24 hours; funding 1 – 3 days
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 Fundshop 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 Fundshop a direct funder or a broker?: Fundshop 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 Fundshop will fund?: Fundshop's published floor is $10,000+ in average monthly revenue, with 6 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 Fundshop fund?: Fundshop's public speed quote is Offers in 24 hours; funding 1 – 3 days. 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 Fundshop 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 Fundshop, 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 Fundshop's biggest weakness vs alternatives?: MCA-only — won't help if SBA or term loan is actually a better fit. Marketplace lenders pay Fundshop referral fees, factored into pricing.

Fundshop — honest 2026 review.