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📄 About HybridFunder

Smarter Business Funding. Structured for Growth.

At HybridFunder, we help small and mid-sized businesses access fast, flexible commercial financing—without confusion, pressure, or unnecessary red tape.

Founded in New York by industry veteran John Tinaz, HybridFunder was built to simplify how business owners secure working capital, equipment financing, and long-term funding solutions. Our approach is transparent, compliant, and designed to give businesses real options, not one-size-fits-all offers.

💼 Who We Are

HybridFunder is a New York–based commercial finance brokerage and syndication partner.
We are not a direct lender.

Instead, we work with a network of independent funding providers, including direct funders and institutional partners, to help businesses access capital that aligns with their cash flow, goals, and growth stage.

By operating as a syndication partner, we are often able to:

  • Present funding requests to multiple partners simultaneously

  • Structure deals more strategically

  • Increase total approval amounts or extend repayment terms, where possible

  • Provide merchants with multiple offers to compare

All approvals and final terms are determined solely by the funding provider and are not guaranteed.

🧭 Our Mission

Our mission is simple:
Make business funding clearer, faster, and more honest.

Too many business owners are forced to navigate confusing offers, unclear terms, or limited options. HybridFunder exists to act as a knowledgeable partner—helping merchants understand their choices and move forward with confidence.

🏦 What We Do

We connect businesses with a wide range of commercial financing solutions, including:

🔹 Merchant Cash Advances (MCA)

Fast access to working capital through the purchase of future receivables.
Designed for short-term needs and cash-flow flexibility.

🔹 Equipment Financing

Funding for new or used equipment essential to your business—often with little to no upfront cost.

🔹 Business Lines of Credit

Flexible revolving capital where you only pay on what you use.

🔹 SBA & Conventional Business Loans

Longer-term financing solutions for growth, expansion, acquisitions, or real estate—available through select banking partners.

All financing products are commercial in nature and intended solely for business purposes.

🔍 How HybridFunder Adds Value

Unlike working with a single lender, HybridFunder leverages its partner network and syndication model to help businesses:

  • Avoid being over-leveraged with one funder

  • Explore alternative structures when an offer can be improved

  • Compare multiple options instead of accepting the first approval

  • Navigate underwriting requirements efficiently

Our role is to advocate, structure, and guide—not to pressure or rush decisions.

👤 A Message from Our Founder

“I built HybridFunder because I’ve seen firsthand how difficult and confusing business financing can be. Business owners deserve transparency, speed, and real guidance—not sales pressure. Our goal is to help you access the best funding available for your situation and make sure you understand exactly what you’re accepting.”
— John Tinaz, Founder & CEO

📍 Based in New York. Funding Nationwide.

HybridFunder is proudly headquartered in Brooklyn, New York, and serves businesses across the United States (excluding jurisdictions where restricted by law).

We work with businesses in industries including:

  • Retail & e-commerce

  • Trucking & logistics

  • Restaurants & hospitality

  • Construction & contracting

  • Healthcare & medical services

  • Salons & personal services

  • Professional services and more

⚠️ Important Legal & Compliance Disclosures

  • HybridFunder is not a lender and does not provide funding directly

  • We act as a commercial finance broker and syndication partner

  • All funding offers are subject to underwriting approval by third-party providers and are not guaranteed

  • Merchant Cash Advances are not loans and do not have an interest rate or APR

  • Financing products are for business purposes only, not personal, family, or household use

  • HybridFunder does not provide financial, tax, accounting, or legal advice

  • Merchants should consult their own licensed professionals before accepting any financing

HybridFunder complies with all applicable commercial financing disclosure laws, including:

  • New York Commercial Financing Disclosure Law

  • California SB 1235

  • Other state regulations where applicable

Due to recent legislation, HybridFunder does not currently facilitate financing for Texas-based merchants.

🚀 Ready to Get Started?

Applying takes about 60 seconds and does not obligate you to accept funding.

✔ Upload your 4 most recent business bank statements
✔ Receive a soft offer (where available)
✔ Review options with a real funding specialist

📤 Apply Now to see what your business may qualify for.