At Hybrid Funder, transparency isn't a slogan — it's how we operate. Below you'll find clear answers to the questions we hear most often: how our process works, what you qualify for, how repayments are structured, and how we protect your information. If you don't see your question answered, call or text us at (347) 201-2367 and we'll answer directly.

Hybrid Funder is a direct funder based in Brooklyn, NY, specializing in Merchant Cash Advances (MCA) for small and mid-sized businesses nationwide. Because we fund with our own capital, your application is reviewed, approved, and funded by us from start to finish — under one roof. Hybrid Funder is operated by Tinaz Enterprises LLC d/b/a Hybrid Funder.
A Merchant Cash Advance is not a loan. It's a commercial transaction where Hybrid Funder purchases a portion of your business's future receivables in exchange for upfront working capital. Because it's not a loan, there is no traditional interest rate or APR. Instead, you agree to a total payback amount — paid via daily or weekly remittances — until the advance is fulfilled.
Funding amounts range from $25,000 to $5,000,000. What you qualify for depends on your monthly revenue, average daily balance, time in business, and existing positions. Most businesses qualify for an amount in line with their average monthly deposits. Reach out and we'll give you a realistic estimate based on your actual file.
At a minimum, we look for:
- At least 6 months in business
- 51%+ ownership listed on the application
- $100,000+ in monthly business deposits (or $300,000+ for trucking)
- $3,000+ average daily balance
- No open bankruptcies
- Tax liens and judgments must be settled
If you're close to these thresholds but not exact, reach out — we review files individually.
Most files receive an underwriting response within minutes to a couple of hours. Once an offer is accepted and contracts are signed, funds are typically ACH'd to your business bank account same-day or next-business-day.
To review your file, we need:
Your 4 most recent business bank statements
A valid business ID and basic company info
For advances over $150,000, we also require 2 years of business tax returns. Bank verification is completed through a secure Decision Logic link or a one-time manual bank login.
Yes. While we do pull credit as part of our underwriting, Hybrid Funder bases approval primarily on your business revenue and cash flow — not just credit score. Business owners with challenged credit are regularly approved as long as their business fundamentals support the advance.
1. Submit your bank statements and basic info
2. File hits underwriting — response in minutes to a few hours
3. Review and accept the offer
4. Sign contracts electronically
5. Bank verification (Decision Logic link or one-time manual login)
6. Final underwriting review
7. Funding call on a recorded line
8. ACH to your business bank account — same-day or next-day
A detailed walkthrough of the process is also available on our Contact Us page.

Yes. Hybrid Funder underwrites based primarily on business revenue and cash flow, not just credit score. Business owners with challenged credit are regularly approved as long as their business fundamentals support the advance.
No traditional collateral is required for a Merchant Cash Advance. The advance is secured by your future business receivables — not by real estate, equipment, or personal assets. Standard personal guarantees and UCC filings may apply, as with any commercial financing.
Repayments are structured as daily or weekly ACH debits from your business bank account over the term of the advance. The payment amount, frequency, total payback, and estimated term are clearly disclosed in your contract — no surprise fees, no hidden charges.
Yes. Qualified merchants can renew or receive additional capital once a portion of their current advance has been paid down. We aim to build long-term relationships — most of our funding volume comes from repeat clients.
Hybrid Funder funds merchants across most of the United States. We do not currently fund merchants located in Puerto Rico, Virginia, or California. In Texas, we fund first-position transactions only. We monitor state regulations closely and will update our availability if it changes.
No. Applying with Hybrid Funder is free, and submitting an application does not obligate you to accept any offer. You can review your offer on your own time and decline with zero cost or consequence.
Applications are submitted through encrypted, secure channels. Bank verification is conducted through Decision Logic, a trusted and encrypted banking integration. Your documents and business data stay with our in-house team — we do not resell leads or share your file with outside parties.
Hybrid Funder is a direct funder. Our core product — a Merchant Cash Advance — is a purchase of future receivables and a commercial transaction, not a consumer loan. All funding is subject to Hybrid Funder's underwriting approval, is for business purposes only, and does not carry a traditional interest rate or APR.
Hybrid Funder does not provide financial, tax, accounting, or legal advice. Merchants should consult their own licensed professionals before accepting any funding offer.
Hybrid Funder complies with applicable commercial financing disclosure laws, including the New York Commercial Financing Disclosure Law and other state regulations where applicable. Operated by Tinaz Enterprises LLC d/b/a Hybrid Funder.

Hybrid Funder is a direct funder of Merchant Cash Advances (MCA). A merchant cash advance is a purchase of future business receivables — a commercial transaction, not a consumer loan — and does not carry a traditional interest rate or APR. All funding is for business purposes only and subject to underwriting approval. Hybrid Funder complies with the New York Commercial Financing Disclosure Law and applicable state commercial financing regulations. Hybrid Funder does not fund merchants located in Puerto Rico, Virginia, or California. In Texas, funding is available for first-position transactions only.
📞 (347) 201-2367 | ✉️ deals@hybridfunder.com | 224 W 35th St, Suite 500, New York, NY 10001
© 2026 Tinaz Enterprises LLC d/b/a Hybrid Funder. All rights reserved.

Legal & Privacy

Merchant Cash Advance FAQs

Contact Us

📄 Frequently Asked Questions

Q: What is Hybrid Funder?

Q: What is a Merchant Cash Advance (MCA)?

Q: How much can I qualify for?

Q: Who qualifies for funding?

Q: How fast can I get funded?

Q: What documents do I need to apply?

Q: Will applying affect my credit?

Q: What does the full funding process look like?

Q: Can I qualify with bad credit?

Q: Do I need collateral?

Q: How do repayments work?

Q: Can I renew or get additional funding later?

Q: Do you fund businesses in every state?

Q: Is there any cost to apply?

Q: How is my information protected?

Q: What are the legal and compliance basics?