Lender review
Funding Futures Business Loans, Reviewed
A New York based merchant cash advance broker built for businesses with $50,000 or more in monthly revenue, including those already carrying existing advances.
Lender review
A New York based merchant cash advance broker built for businesses with $50,000 or more in monthly revenue, including those already carrying existing advances.
Funding Futures is a small, New York based merchant cash advance broker that specifically works with businesses generating $50,000 to $400,000 in monthly revenue, including offering 2nd through 6th position advances for businesses that already carry existing MCA debt, a niche most larger funders on this network will not touch. It is a young company with a limited public track record and a marketing site that discloses less detail than more established competitors, so treat it as a specialist option for a specific situation rather than a first stop for general financing.
Funding Futures arranges merchant cash advances from $20,000 to $400,000 for businesses generating $50,000 to $400,000 in consistent monthly revenue, including advances in 2nd through 6th position for businesses that already have existing MCA debt.
What makes Funding Futures distinct is its willingness to work with businesses that already carry one or more existing advances. Most funders will not stack behind more than one or two prior positions, but Funding Futures specifically markets 2nd through 6th position offers, a niche service for businesses managing multiple advances rather than a general purpose lender for a business seeking its first round of financing.
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Exact rates and loan amounts vary by product and by applicant; see the product breakdown below for details on each one.
Funding Futures arranges a single core product, structured to fit businesses at various stages of existing MCA debt.
| Merchant cash advance | Funding from $20,000 to $400,000 for businesses with $50,000 to $400,000 in monthly revenue, including 2nd through 6th position offers for businesses that already carry one or more existing advances. Repaid through daily or weekly debits. |
Rate, term, and amount figures are set per applicant during underwriting.
Funding Futures does not publish a detailed set of minimum requirements on its site, so what follows reflects its stated target market rather than a confirmed cutoff.
Funding Futures specifically targets businesses generating between $50,000 and $400,000 in consistent monthly revenue, a notably higher bar than many merchant cash advance providers on this network.
Unlike most funders, Funding Futures explicitly offers financing in 2nd through 6th position, meaning businesses already carrying multiple existing advances may still be considered.
Expect to submit a merchant application along with the last 3 months of bank statements, including month to date activity, plus a signed contract, proof of ownership, and AR or vendor contracts to finalize funding.
Because Funding Futures publishes limited detail on credit score requirements and pricing, a direct conversation with its team is the most reliable way to confirm your eligibility and true cost before signing anything.
The process is built around speed, though as with any MCA, review the full contract terms carefully before signing.
Complete the merchant application and provide 3 months of bank statements.
If approved, sign your contract and provide proof of ownership along with any requested AR or vendor contracts and credit card statements.v
Once verification is complete, funding is typically same day or next day.
Offering 2nd through 6th position financing fills a real gap for businesses that already carry existing MCA debt.
Same day or next day funding is advertised for approved, well documented applications.
Documentation requirements are limited to a merchant application and recent bank statements.
Working capital, inventory, marketing, equipment, and staffing are all listed as acceptable uses.
A phone number and direct email contact suggest a more personal process than a large, automated platform.
As a company founded in 2023, Funding Futures has not yet built the years of reviews and funded volume that larger competitors on this network can point to.
Its site does not publish factor rates, fees, or a clear credit score policy, so confirm the full cost directly before signing.
$50,000 in monthly revenue is well above what many other merchant cash advance providers require, narrowing who actually qualifies.
Funding Futures arranges merchant cash advances for businesses, including later position offers for those with existing advances. Confirm directly whether a specific offer is funded in house or through a partner.
Funding Futures does not publish a specific credit score minimum on its site. Confirm your eligibility directly with their team before applying.
Funding Futures advertises same day or next day funding for approved, fully documented applications.
Funding Futures offers merchant cash advances from $20,000 to $400,000, including offers in 2nd through 6th position for businesses that already carry existing advances.
Funding Futures targets businesses with $50,000 to $400,000 in consistent monthly revenue. Specific credit score and time in business requirements are not published.
Yes. Funding Futures specifically offers 2nd through 6th position advances for businesses already carrying one or more existing advances.
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