💼 WHO WE ARE
Hybrid Funder is a New York-based direct funder specializing in Merchant Cash Advances (MCA). We fund deals with our own capital — no brokers, no syndicators, no files getting shopped around to a dozen offices.
When you apply with Hybrid Funder, you're dealing directly with the source. That means:
Faster decisions. Your file stays in one place. One underwriter. One decision — often the same day.
Direct pricing. No broker markup stacked on top of a funder's offer. You get our rate, not a reseller's.
One point of contact. You work with the same person from application through funding — and for every renewal after.
Honest answers. If we can fund you, we'll tell you how much and at what terms. If we can't, we'll tell you why — without sending your file to five other companies.
We're not trying to be the biggest funder. We're trying to be the one our clients come back to.
🧭 OUR MISSION
Make working capital fast, fair, and transparent — the way it should have been from the start.
Too many business owners have been burned by the MCA industry: stacked positions, hidden fees, confusing payback numbers, and funders who disappear the moment the wire hits. We were built as the opposite of that.
We tell you the total amount funded, the total payback, the payment schedule, and the term — in plain numbers, before you sign. No buried fees. No surprise holdbacks. No pressure.
Every business owner deserves to know exactly what they're agreeing to. That's not just our mission — it's the minimum we hold ourselves to on every deal.
🏦 WHAT WE DO
Hybrid Funder provides one product, and we do it better than most: Merchant Cash Advances (MCA).
We purchase a portion of your business's future receivables in exchange for upfront working capital — funded directly by us, with our own money, on terms built around your revenue.
🔹 Merchant Cash Advance (MCA) — Direct Funded
Funding amounts: $25,000 to $5,000,000
Speed: Same-day decisions. Funding in as little as 24 hours after approval.
Underwriting: Based on your business revenue and cash flow — not just your personal credit score. High-risk files considered.
Payment options: Daily or weekly, structured to match your cash flow.
Positions: 1st position and up. (In Texas, 1st position only.)
Use of funds: Payroll, inventory, equipment, marketing, expansion, emergencies — your call.
Renewals: Qualified merchants can renew or receive additional capital as the advance pays down.
What we look for:
At least 6 months in business
51%+ ownership on the application
$100K+ in monthly deposits (or $300K+ for trucking)
$3,000+ average daily balance
No open bankruptcies; tax liens and judgments must be settled
Because we fund with our own capital, we control the approval, the pricing, and the timeline — start to finish.
A Merchant Cash Advance is a purchase of future receivables — a commercial transaction, not a consumer loan. It does not carry a traditional interest rate or APR.
🔍 WHY BUSINESSES CHOOSE HYBRID FUNDER
You can get an MCA from hundreds of places. Here's why merchants keep choosing us — and keep coming back:
✅ We're the decision-maker. Your file isn't getting shopped around to a dozen funders. It's reviewed and approved by our in-house underwriting team. One file. One answer. No guessing.
✅ Strategic structuring before we fund. We review your bank statements, existing positions, and cash flow before extending an offer — so the deal we write is one your business can actually carry without choking your operations.
✅ We tell you when to slow down. If you're already stacked and another advance would hurt you, we'll say so. Our goal is a renewal customer, not a one-time wire that puts you in a worse spot.
✅ Direct access to the people funding you. No broker middleman, no runaround. You talk to the same person from application through funding — and every renewal after.
✅ Your data stays with us. When you apply with a broker, your file gets emailed to 10+ funders. When you apply with Hybrid Funder, it lives with one company: us.
✅ Built for speed. Same-day decisions, next-day funding, no red tape, and no waiting on someone else's underwriter to get back to us. Because there isn't one.
🤝 OUR PROMISE
Hybrid Funder was built to be the opposite of what's wrong with this industry.
We've seen merchants get stacked into positions they couldn't survive. We've seen files get shopped to a dozen funders without the owner knowing. We've seen promises made on the phone that didn't match the contract.
That's not how we operate.
We fund our own deals. We write the terms. We answer the phone. And we'll tell you honestly — before you sign — whether the money we're offering is going to help your business or hurt it.
If we can't look a business owner in the eye and tell them they're better off with our funding than without it, we don't do the deal. That's the standard. It always will be.
🏢 INDUSTRIES WE SERVE
Hybrid Funder funds businesses across nearly every industry with consistent revenue and healthy cash flow, including:
Restaurants and food service
Trucking and logistics (higher revenue threshold applies)
Retail and e-commerce
Construction and contracting
Healthcare and medical services
Dental practices
Salons, spas, and personal services
Auto repair shops and service centers
Gyms and fitness businesses
Wholesale and distribution
Manufacturing
Professional services (accounting, agencies, consulting)
If your business generates consistent monthly revenue and needs working capital fast, we can help. If you're in an industry we don't fund, we'll tell you upfront — no runaround.