Is Mantis Funding a direct funder or a broker?

Mantis Funding 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 Mantis Funding will fund?

Mantis Funding's published floor is $10,000 in average monthly revenue, with 4 months minimum time in business. Credit score floor is 475+. These are box minimums — actual approval requires bank statements showing consistent daily deposits and acceptable NSF history.

How fast can Mantis Funding fund?

Mantis Funding's public speed quote is Funding in 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 Mantis Funding 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 Mantis Funding, 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.

Mantis Funding Review 2026 — Rates, Terms, Honest Verdict

Best for: C-paper MCA specialist for distressed merchants. Amount range: $5,000 – $300,000. Speed: Funding in 24 – 48 hours. Below: the rate card, the watch-out, alternatives we'd compare against, and the honest verdict.

TL;DR

Mantis Funding ranks #45 in our 2026 funder ranking. Best for distressed merchants who genuinely have no a/b-paper alternative and have realistically modeled survivability under daily ach burden. The strength: Will fund merchants other funders decline — short TIB, low credit, prior MCA stacking. The watch-out: C-paper pricing — factor 1.

Mantis Funding rate card 2026

Category	MCA specialty
Best for	C-paper MCA specialist for distressed merchants
Amount range	$5,000 – $300,000
Cost (factor / APR)	Factor 1.35 – 1.55+ (C-paper pricing)
Speed to fund	Funding in 24 – 48 hours
Min time in business	4 months
Min monthly revenue	$10,000
Min credit score	475+

The strength — what Mantis Funding does better than anyone

Will fund merchants other funders decline — short TIB, low credit, prior MCA stacking. Specialty in distressed/turnaround situations. Fast funding even for difficult files.

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

C-paper pricing — factor 1.35-1.55+ is materially higher than A/B-paper alternatives. Aggressive enforcement reputation including frequent COJ filings. Often a sign of distress for the borrower — alternatives should be exhausted first.

Who Mantis Funding is best for

Distressed merchants who genuinely have no A/B-paper alternative and have realistically modeled survivability under daily ACH burden.

Who shouldn't apply

Merchants ranking solidly above Mantis Funding'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 Mantis Funding actually makes sense.

How Mantis Funding compares to the rest of the top 10

Funder	Category	Cost	Speed
Mantis Funding (this funder)	MCA specialty	Factor 1.35 – 1.55+ (C-paper pricing)	Funding in 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 Mantis Funding 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 Mantis Funding a direct funder or a broker?: Mantis Funding 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 Mantis Funding will fund?: Mantis Funding's published floor is $10,000 in average monthly revenue, with 4 months minimum time in business. Credit score floor is 475+. These are box minimums — actual approval requires bank statements showing consistent daily deposits and acceptable NSF history.
How fast can Mantis Funding fund?: Mantis Funding's public speed quote is Funding in 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 Mantis Funding 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 Mantis Funding, 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 Mantis Funding's biggest weakness vs alternatives?: C-paper pricing — factor 1.35-1.55+ is materially higher than A/B-paper alternatives. Aggressive enforcement reputation including frequent COJ filings. Often a sign of distress for the borrower — alternatives should be exhausted first.

Mantis Funding — honest 2026 review.