📄 Frequently Asked Questions (FAQs)

A Complete Guide to Business Funding with HybridFunder

At HybridFunder, transparency matters. This FAQ is designed to explain who we are, how we work, what funding options are available, and what you should expect at every step of the process — so you can make an informed business decision with confidence.

💼 About HybridFunder

What is HybridFunder?

HybridFunder is a New York–based commercial finance brokerage and syndication partner. We work with a broad network of independent funding providers, including direct funders and institutional partners.

We are not a direct lender.

Instead, we:

• Structure deals across multiple funding partners

• Syndicate funding when appropriate

• Advocate on your behalf during underwriting

• Help negotiate higher funding amounts, improved structures, or extended terms where possible

By leveraging our partner network, we are often able to:

• Increase the total dollar amount a business can access

• Stretch repayment terms compared to a single-funder offer

• Present multiple options so you can choose what fits best

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

🔍 What Types of Funding Do You Offer?

HybridFunder matches businesses with commercial financing solutions based on revenue, cash flow, and overall business health.

1️⃣ Merchant Cash Advance (MCA)

Best for:
Short-term working capital, cash-flow gaps, time-sensitive opportunities

How it works:
A Merchant Cash Advance is not a loan. It is the purchase of a portion of your future receivables at a discounted rate.

Key features:

• Funding from $5,000 to $500,000+

• Approval primarily based on bank statements

• Credit scores as low as 500 may qualify

• Daily or weekly remittance structures

• Fast funding — often same day or next business day

Why HybridFunder helps here:
By syndicating deals and working with multiple partners, we may be able to:

• Combine offers

• Reduce payment pressure

• Extend term length

• Avoid over-leveraging with a single funder

2️⃣ Business Lines of Credit

Best for:
Ongoing access to capital, inventory purchases, payroll

• Draw funds as needed

• Only pay on what you use

• Revolving access to capital

• Fast approval timelines

3️⃣ SBA & Conventional Loans

Best for:
Long-term investments, real estate, expansion

• SBA 7(a), 504, Express

• Conventional term loans

• Funding up to $5 million

• Longer terms and lower cost

• Full documentation required

4️⃣ Equipment Financing

Best for:
Purchasing essential equipment

• New or used equipment

• Up to 100% financing

• Startup-friendly programs available

• Monthly or seasonal payments

🧭 Step-by-Step: What to Expect from Start to Funding

Step 1: Application

You complete a simple application with basic business details.

Step 2: Document Review

Typically required:

• Last 4 months of business bank statements

Step 3: Offer Structuring & Syndication

This is where HybridFunder adds value.

We:

• Analyze cash flow and risk

• Present your file to multiple partners

• Structure offers strategically

• Attempt to increase approval size or stretch terms, when possible

You may receive multiple offers to review.

Step 4: Offer Review & Selection

We explain:

• Funding amount

• Repayment structure

• Estimated term

• Total cost

You choose whether to proceed. There is no obligation to accept.

Step 5: Underwriting & Verification

The funding provider performs final checks, which may include:

• Bank verification

• Business verification call

• Additional documentation

Step 6: Funding

Once contracts are executed, funds are deposited into your business account — often within 24 hours.

📊 Will This Affect My Credit?

• Most MCA and credit programs do not require a hard credit pull

• SBA and bank loans may require a hard inquiry with your authorization

❓ Can I Qualify with Bad Credit?

Yes. MCA and equipment financing focus more on cash flow than credit score.

💰 Do I Need Collateral?

• No collateral for most MCA, credit line, and equipment programs

• SBA and conventional loans may require collateral

🔁 How Repayments Work

ProductPayment StructureMCADaily or weekly remittanceLine of CreditPayments on drawn balanceSBA/Term LoansMonthly paymentsEquipment FinancingMonthly or seasonal

🔐 Security & Confidentiality

• Secure encrypted uploads

• Confidential review process

• No obligation to accept funding

• Information shared only with necessary funding partners

⚠️ Important Legal & Compliance Disclosures

• HybridFunder is not a lender

• We do not provide financial, tax, accounting, or legal advice

• All funding is for commercial purposes only

• Offers are subject to underwriting and not guaranteed

• Merchants should consult their own professionals before accepting financing

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

• New York Commercial Financing Disclosure Law

• California SB 1235

• Other state disclosure regulations where applicable

🚫 Texas Merchants Notice

Due to recent regulatory changes, HybridFunder does not currently facilitate funding for Texas-based merchants.

📞 Ready to Get Started or Have Questions?

📞 Call or text: (347) 201-2367
📧 Email: deals@hybridfunder.com

✅ Final Thought

Our role as a syndication partner allows us to work the deal from multiple angles — helping businesses access more capital, better structures, and flexible terms whenever possible.

Transparency first. Pressure never.