📄 Frequently Asked Questions

📄 Frequently Asked Questions

What business owners ask us most before getting funded.

💼 About HybridFunder

HybridFunder is a New York-based business funding syndication partner. We work with a wide network of trusted direct lenders — including institutional partners like South End Capital, a division of Stearns Bank — to help U.S. business owners access fast, flexible financing.

We're not a direct lender — we syndicate and refer funding deals and participate in funding alongside our partners.

🔍 What Type of Funding Do You Offer?

We match businesses with a variety of financing solutions based on need, revenue, and risk profile.

1️⃣ Merchant Cash Advance (MCA)

Use for: Fast working capital, short-term needs, urgent expenses

  • Funding from $5,000 to $500,000+

  • Paid back daily or weekly based on your revenue

  • Requires only bank statements

  • Credit score: 500+ OK

  • Speed: Same-day or next-day funding

2️⃣ Business Line of Credit

Use for: Flexible access to funds for payroll, inventory, or gaps in cash flow

  • Only pay interest on what you draw

  • Revolving access to capital

  • Fast approvals — typically under 24 hours

  • Available even with moderate credit

3️⃣ SBA & Conventional Loans

Use for: Long-term growth, real estate, expansion, or business acquisition

  • SBA 7(a), 504, Express, and conventional term loans

  • Up to $5 million in funding

  • Terms up to 25 years

  • Competitive low interest rates

  • Full documentation required (tax returns, P&Ls, etc.)

  • Requires stronger credit (650+) and sometimes collateral

4️⃣ Equipment Financing

Use for: Purchasing new or used equipment critical to your business

  • Finance up to 100% of the equipment cost

  • No minimum time in business required

  • 700+ credit for internal programs

  • Startup-friendly options available

  • Includes: trucks, machinery, restaurant equipment, construction gear, etc.

✍️ Application Process

What do I need to apply?

We keep it simple. You only need:

  • ✅ A completed HybridFunder application

  • ✅ Your last 4 months of business bank statements

  • (Optional): Additional financials for higher approvals

How long does it take to get approved?

  • MCA and credit lines: Offers in hours, funding same or next day

  • SBA/conventional/equipment: Typically 3–7 business days

Will this affect my credit?

For most programs, no hard credit pull is required to receive a soft offer. A soft pull may be used to verify business history.
Full underwriting (e.g., for SBA or conventional loans) may require a hard pull — with your permission.

Can I qualify with bad credit?

Yes! We work with businesses with credit scores as low as 500, especially for MCA and equipment programs. SBA and bank options may require 650+ and documentation.

What types of businesses do you work with?

We fund all legal U.S. business types, including:

  • Restaurants & Food Services

  • Trucking & Logistics

  • Construction & Contracting

  • Retail & E-commerce

  • Medical & Healthcare

  • Salons & Personal Services

  • Auto Repair, Landscaping, and more

Do I need collateral?

  • ✅ No collateral is required for MCA, equipment financing, or credit lines

  • 🏢 SBA/conventional loans may require real estate or business assets

How do repayments work?

Depends on the product:

  • MCA: Fixed daily or weekly payments based on revenue

  • Lines of Credit: Pay only what you draw

  • SBA/Conventional: Monthly payments with full amortization

  • Equipment Loans: Monthly or seasonal plans available

⚙️ How to Upload Documents

You can upload your completed application and bank statements on our Apply Now page.
Accepted formats: PDF, ZIP, JPG, or PNG.

Prefer to apply by phone?
📞 Call or text: (347) 555-1234
📧 Email: john@hybridfunder.com

🔐 Security & Trust

  • Your information is secure and encrypted

  • We do not sell or share your personal data

  • All communication is confidential

  • Your application does not obligate you to accept funding

⚖️ Legal Disclaimer & Required Disclosures

HybridFunder is a syndication partner and referral entity, not a direct lender.
We operate under Tinaz Enterprises, LLC, based in Brooklyn, NY. All funding is provided through our network of third-party lenders and institutional funding partners.

By submitting an application, you authorize HybridFunder and its funding partners to review your business information and contact you regarding financing options. Offers are subject to underwriting approval and are not guaranteed.

Funding products are commercial in nature, and are not intended for personal, family, or household purposes.

HybridFunder is not a financial advisor, and all clients are encouraged to review funding terms with an attorney or financial professional prior to acceptance.

HybridFunder complies with all applicable state and federal laws, including the New York Commercial Financing Disclosure Law (CFDL). Clear and accurate disclosure of cost, terms, and repayment structure will be provided with each funding offer, as required by law.

📝 Final Note

If you have questions or concerns about your funding options or want to understand the best solution for your business — we’re here to help.

📞 Call or text us at (347) 201-2367
📧 Or email deals@hybridfunder.com