Frequently Asked Questions

A Merchant Cash Advance is a purchase of a portion of your business’s future receivables. Unlike a traditional loan, an MCA is not subject to usury laws and repayment is typically structured as a fixed daily or weekly remittance from your business bank account. It is not a loan — it is the sale of future revenue at a discount.

Astor Funding LLC is a Miami-based Merchant Cash Advance company that provides fast, flexible working capital to business owners across the United States. We are not a bank or traditional lender — we specialize in alternative business funding solutions for companies that may not qualify for traditional financing.

At this time, we only offer funding to businesses that are registered and operating in the United States.

Yes. All information submitted to Astor Funding is handled in accordance with our Privacy Policy. We use 256-bit SSL encryption to protect your data and do not sell your personal information to third parties. Please review our Privacy Policy for full details.

To be considered for funding, your business must: (1) be registered and operating in the United States, (2) have at least 6 months of business history with verifiable revenue, and (3) be able to provide a minimum of 3 months of business bank statements. Additional criteria may apply based on underwriting review.

We consider applicants with a range of credit profiles. While personal credit is one factor we review, we place greater emphasis on your business’s cash flow, revenue consistency, and overall financial health. Poor personal credit does not automatically disqualify you, but all applications are subject to underwriting approval and approval is not guaranteed. We encourage you to seek independent financial advice before taking on an advance.

We do not fund pre-revenue start-ups. Our minimum requirement is at least 6 months of business history with verifiable revenue shown in your business bank statements. If your business has not yet generated revenue, we recommend revisiting your application once you have an established track record.

We fund virtually all industries including restaurants, construction, retail, healthcare, trucking, salons, auto services, dental practices, landscaping, cleaning services, and many more. If your business has been operating for at least 6 months with consistent revenue, we encourage you to apply. Certain restricted industries may not be eligible — contact us for details.

Funding amounts range from $5,000 to $2,000,000 depending on your business’s revenue, cash flow, time in business, and other underwriting factors. The actual amount offered may differ from the amount requested and is subject to underwriting approval. Additional funding may be available upon renewal based on your account standing with us.

Terms vary based on your specific offer and are determined during the underwriting process. Minimum terms typically begin at 3 months, with maximum terms of up to 24 months for qualified applicants. All terms are disclosed in full prior to signing your agreement. We encourage you to review all terms carefully and seek independent advice if needed.

The cost of an MCA is expressed as a factor rate rather than an APR or interest rate. Your factor rate and total cost of capital will be clearly disclosed in your offer and agreement before you sign. Costs vary based on your business profile, funding amount, and term. Because MCAs are not loans, they do not carry traditional interest — you only pay the agreed-upon factor rate for the duration of your advance.

In many cases, approved applicants can receive funds within 24 hours of signing their agreement. Funding timelines depend on the completeness of your application, underwriting review time, and your bank’s processing times. Timing is not guaranteed and may vary.

In most cases, we only require a completed application and your last 3 months of business bank statements. No tax returns, business plans, or complex financial statements are required for initial review. Additional documentation may be requested during underwriting depending on the deal size and business profile.

Our initial application process uses a soft credit inquiry, which does not impact your credit score. A hard credit inquiry may be conducted during final underwriting for larger advances. You will be notified before any hard pull is performed.

Most applicants receive an initial decision in as little as 30 minutes after submitting a complete application and required documents. Final approval and funding can occur within 24 hours in many cases. Timelines are not guaranteed and may vary based on application completeness and underwriting requirements.

No. Submitting an application or receiving an offer does not obligate you to accept funding. You are free to review your offer, ask questions, and decline if it does not meet your needs. We encourage you to review all terms carefully before signing any agreement.

Repayment is structured as a fixed daily or weekly ACH remittance from your business bank account. The remittance amount is agreed upon before signing and remains consistent throughout the advance term. Because it is a fixed remittance rather than a percentage of sales, the payment does not fluctuate with your revenue.

No. There are no early repayment penalties. If you choose to pay off your advance ahead of schedule, you are only responsible for the remaining balance owed — you do not pay additional charges for paying early. Some offers may include a prepayment discount; your offer will specify the exact terms.

Yes. Many of our clients renew their advance once their current balance is paid down or in full. Renewal eligibility and amounts are based on your account standing, current business performance, and underwriting review at the time of renewal. Renewal is not automatically guaranteed.

If a payment is returned or fails due to insufficient funds, we will attempt to contact you directly. We strongly encourage open communication if you are experiencing cash flow difficulties. Continued missed payments may result in additional fees, default, and collection activity as outlined in your agreement. Please contact our team immediately if you anticipate any issues with your remittances.

To become an ISO partner, complete the registration form on our ISO Partners page or call us at 866-930-4099. We will verify your information and set up your partner account within one business day. There are no fees to join.

Commissions are paid via ACH on a regular schedule. Payment frequency varies based on your partner tier and can be bi-weekly, weekly, or daily for high-volume partners. All commissions are trackable in real time through your dedicated partner portal. Commission rates and terms are agreed upon at onboarding.

No minimums, no quotas. You can submit as many or as few deals as fits your business model. We are here to support brokers of all sizes — whether you send one deal a month or fifty.

We evaluate second position and stacking deals on a case-by-case basis. Eligibility depends on the merchant’s overall position, existing obligations, and cash flow. Please speak with your dedicated ISO manager to discuss specific deal scenarios and structuring options.