Trusted MCA Funder

Fast Business Funding
When You Need It Most

Get a merchant cash advance from $5,000 to $500,000 in as little as 2–4 hours. Revenue-based decisions, not just credit scores. All industries welcome.

Get Funded Today See How It Works
Funding from $5K–$500K
Decisions in 2–4 hours
Same-day funding available
No collateral required
Decisions In
2–4 Hours
Approval Rate
90%+
Quick Estimate
$50,000
Monthly Revenue$50,000
$10K$500K
6+ months in business
Minimum requirement
$20K+ monthly revenue
Revenue-based decision
FICO 500+ accepted
No hard credit pull
All industries welcome
Very few restrictions
Apply Now — It Takes 5 Minutes

No hard credit pull • Same-day decisions

$5K–$500K
Funding Range
2–4 hrs
Average Decision Time
500+
Credit Score Minimum
4 mos.
Bank Statements Needed

Trusted Partners

Salesforce
DocuSign
Actum
Plaid
Heron Data
DataMerch
ACHWorks
Experian
QuickBooks
CLEAR
Salesforce
DocuSign
Actum
Plaid
Heron Data
DataMerch
ACHWorks
Experian
QuickBooks
CLEAR
Why Olam Funding

We're Not Just Another Funder

We combine speed, technology, and deep industry expertise to craft a funding
solution that fits your business — not the other way around.

Fast Approvals

Get an offer in 2–4 hours. Our experienced team, in-house underwriting, and technology-driven process moves faster than any bank.

Revenue-Based Decisions

We look at your revenue and cash flow — not just your credit score. If your business is generating sales, you likely qualify.

Flexible Repayment

Daily or weekly payments that scale with your revenue. Pay less on slow days, more on busy ones — no fixed monthly burden.

Dedicated Support

A real funding specialist is assigned to your file. Not a chatbot. Not a call center. A human being who knows your deal.

No Equity Dilution

Keep 100% ownership of your business. Unlike investors or venture capital, an MCA never takes a stake in your company.

Renewal Opportunities

Eligible for renewal after 50% repaid — often at better terms. Many of our clients have renewed 3, 4, or 5 times.

The Process

From Application to Funding in
4 Simple Steps

We've spent years perfecting our process to ensure you get funding as fast as humanly possible — and personally tailored just for you.

01
5 min

Apply Online

Our streamlined application takes just minutes. Share your basic business info and 3–4 months of recent bank statements.

02
~1 hour

Underwriting Review

Our seasoned team analyzes your revenue, cash flow, and business health — going beyond just a credit score.

03
2–4 hrs

Receive Your Offer

Get a personalized offer with fully transparent terms — funding amount, factor rate, and total payback. No hidden fees.

04
Same day

Get Funded

E-sign your agreement via DocuSign and receive funds directly in your business bank account — often same business day.

See Full Process
Success Stories

What Business Owners Say

Real merchants. Real results. Real funding.

  • "Applied online at 9am, got a call within an hour, and had funds in my account the same afternoon. No bank has ever done that for me."

    Marcus T.
    Restaurant Owner · Miami, FL
    Funded
    $75,000

  • "I was denied by two traditional lenders because of my credit history. Olam looked at my actual revenue and approved me the same week. That funding saved my business."

    Sarah K.
    Retail Store Owner · Dallas, TX
    Funded
    $45,000

  • "We have renewed three times now. Each time the process got faster and the terms improved. Olam genuinely invests in your long-term success, not just one deal."

    James R.
    Construction Company · Atlanta, GA
    Funded
    $150,000

  • "I needed equipment fast to fulfill a big fleet contract. Olam funded me in under 24 hours. Without that capital I would have lost the contract and the customer."

    Robert L.
    Auto Repair Shop · Chicago, IL
    Funded
    $60,000

  • "Our seasonal cash flow is unpredictable. Olam understood that better than any bank I have ever worked with. They structured the deal around our actual situation."

    David P.
    Trucking Company · Houston, TX
    Funded
    $200,000

  • "I was skeptical at first, but the transparency blew me away. Everything was laid out clearly before I signed anything. No surprises, no hidden fees. Exactly as promised."

    Angela W.
    Dental Practice · Seattle, WA
    Funded
    $120,000

  • "I was nervous about the process but my account manager walked me through every step. The offer was clear, the terms were fair, and the money was in my account the next morning."

    Rachel T.
    Catering Company · New York, NY
    Funded
    $65,000

  • "We had a massive commercial job lined up but needed materials upfront. Olam funded us in under 24 hours and we landed the contract. Best financial decision I ever made."

    Brian K.
    Flooring Business · Seattle, WA
    Funded
    $115,000
Industries We Serve

We Fund Every Kind of Business

From restaurants to retailers, construction to healthcare — if you have revenue, we have funding.

Retail
Food Service
Construction
Healthcare & Wellness
Trucking & Transport
E-Commerce
Professional Services
Wholesale
Salon & Spa
Manufacturing
Hospitality & Hotels
IT & Technology
Daycare & Education
Agriculture
Medical & Dental
Event Planning
Fitness & Gyms
Cleaning Services

Don't see your industry? We likely fund it.

Check Your Eligibility

We currently do not fund: auto dealers, law firms, gas stations, marijuana businesses, real estate, or businesses in Hawaii, Alaska, or Puerto Rico.

Qualifications

Basic Requirements to Qualify

Most businesses qualify. We focus on your performance and potential — not perfect credit. If you've been denied elsewhere, we want to hear from you.

Eligibility Criteria
In business 6+ months
FICO score 500+
5+ monthly deposits
Max 3 negative days per month
$20,000+ in monthly revenue
Active business bank account
51%+ ownership required
All credit types considered
We say yes when others say no
Apply Now

Fast · Secure · No Obligation · Soft Credit Pull Only

Documents Needed
1 Signed merchant application
2 3–4 months bank statements
3 Government-issued photo ID
4 Voided business check
California & New York: 4 months of bank statements required. Other states: 3 months minimum.
For ISO Brokers

Join Our Growing ISO Partner Network

Submit deals to a direct funder with fast pre-approvals, competitive commissions, and a dedicated ISO relationship manager assigned to every partner.

Become a Partner Email Our ISO Team

Up to 15 Points Commission

Same great commission rate on every renewal deal.

Pre-Approvals in 2 Hours

Minimal stips. Competitive offers. Same-day funding available.

Dedicated ISO Manager

One point of contact from submission to funded deal.

Common Questions

Frequently Asked Questions

A merchant cash advance (MCA) is a form of business funding where you receive a lump sum of capital in exchange for a percentage of your future revenue. It is not a loan — there is no fixed monthly payment, no interest rate, and no maturity date. Repayment is automatic and scales with your daily business activity.
Bank loans require strong credit, collateral, tax returns, and can take weeks or months to approve. An MCA from Olam Funding is based on your revenue, can be approved in hours, and requires minimal documentation. There are no fixed payments — you repay a percentage of daily revenue until the advance is paid back.
We fund businesses from $5,000 to $500,000. The amount you qualify for depends primarily on your average monthly revenue. Most businesses qualify for 75%–150% of their average monthly deposits.
The application itself takes less than 5 minutes. You can complete it entirely online. Add another few minutes to gather and upload 3–4 months of bank statements, and your file is complete.
We accept applications from businesses with a personal FICO score as low as 500. We do a soft credit pull only — this will not affect your credit score.
No. We charge a factor rate, which is disclosed upfront before you sign anything. The total cost of your advance is clearly stated in your agreement. No origination fees, no annual fees, no prepayment penalties.
View All FAQs

Ready to Fund Your Business?

Join thousands of business owners who trust Olam Funding for fast, transparent merchant cash advances.
Complete our simple pre-qualification form and receive a personalized funding offer — no obligation, 100% secure, built for your business.

Start Your Application Call Us Today

Fast & Simple · 100% Secure · No Obligation · Review Your Offer Before You Decide

Apply Now