This page is for real estate investment and related operating businesses that deposit revenue into a business account. A merchant cash advance is a purchase of future receivables, not a mortgage, not a home-equity product, and not a replacement for property-level financing. Forward Funders is a broker and shops business files to funders. We do not promise that every investor or property project will be reviewed or funded.
Need merchant cash advance funding of $25K to $5M for your business?
How Real Estate Investors Use a Merchant Cash Advance
Covering operating costs in a property-related business while rents or fees are collected
Paying contractors or suppliers on a renovation that the business already operates
Bridging a short gap between business expenses and incoming operating deposits
Supporting a property-management or rental-operations company through a slow collection cycle
Handling repairs or turnover costs that the operating entity is responsible for
Meeting other working-capital needs of the business entity that is applying
Cash Flow in This Business
Investment activity and operating deposits are not the same thing. Funders reviewing a merchant cash advance look at business bank statements and the revenue that actually arrives in the applying entity’s account. Personal accounts, construction-loan draws or a future sale are not interchangeable with operating deposits. If your situation is a real estate agency rather than an investment entity, that is a different topic and is not the purpose of this page.
How a Merchant Cash Advance Works
A merchant cash advance is a purchase of a portion of your future receivables. A funder provides a lump sum, typically between $25,000 and $5,000,000, and collects an agreed share of your future business revenue as described in the written agreement. Because the funder is buying future revenue, reviews focus on how your business performs, not only on your credit history. Every offer comes from the funder and is spelled out before you sign. Forward Funders is a broker, not a lender or direct funder; we help you compare options.
Illustrative scenario: operating costs during unit turnover
This is a hypothetical, illustrative example, not a client result, testimonial, or offer. A small rental-operations company has several units turning over in the same month. Vendor invoices for repairs are due before the next rent deposits arrive. The owner uses the business entity’s bank statements and a short explanation of the timing, then submits a Funding Application. This example is not an offer to finance purchases or a claim that property projects are approved.
What Funders Look At
Funders typically review business bank statements for the entity that applies, time in business and the consistency of operating deposits. They may ask clarifying questions about the business. We do not underwrite properties, appraise collateral or guarantee a result. If a funder cannot review a file as a merchant cash advance, we will say so rather than treat this as a property loan.
Our Process in 3 Steps
Apply online. Complete our short Funding Application and attach recent business bank statements.
Compare offers. We present your real estate investment business to funders in our network and walk you through the offers that come back.
Review and decide. Once you accept an offer and the funder completes its review, funding follows the funder's own process and timing. Timing is not guaranteed.
Why Forward Funders
Forward Funders LLC is a broker, not a direct funder. We shop your file to multiple funders so you can compare options side by side instead of applying one at a time. We work with real estate investment businesses nationwide. Call (718) 619-9867 or visit our Apply page to get started.
Frequently Asked Questions
Is this a mortgage or fix-and-flip loan?
No. It is a merchant cash advance, which is a purchase of future receivables. It is not a real estate loan product.
Do you work with investment businesses nationwide?
Yes. We work with business owners in all 50 states.
I run a real estate agency. Is this the same page?
No. This page is for investment and related operating businesses. Do not treat our older agency article as this page, and do not treat this page as an agency guide.
What if most activity is in a personal account?
Funders review business bank statements. Personal activity is not a substitute. We cannot say in advance whether a particular account structure will be accepted.
Can I use funds to buy a property?
A merchant cash advance is working capital based on future business receivables. Property purchases are a different type of financing. A funder would have to decide any use of funds in its own agreement; we do not market this product as acquisition financing.
Prepare your application
Start with a completed Funding Application and your last four months of business bank statements. Month-to-date activity is only needed after the 10th of the month (from the 11th onward). That short list is a starting point, not a promise that every funder asks for the same items. See Your Funding Application: What to Send and Your Merchant Cash Advance Application Journey. You can also begin on our Apply page.
Related information: the Apply page.
More on our home page · States We Serve · Apply page
Forward Funders LLC is a broker, not a funder. Merchant cash advances are purchases of future receivables; approval is not guaranteed and terms come from the funder.
Forward Funders LLC · 6231 Amboy Rd., Staten Island, NY · (718) 619-9867