Business Funding Specialists

A More Direct
Path to Capital

TMF Group provides merchant cash advances to operating businesses across the U.S. Each transaction is underwritten and funded in-house, with a focus on speed, clarity, and consistency.

Apply for Funding How It Works
TMF Group is a direct funder.  We do not broker or place transactions.
$500M+ Capital Deployed
3,200+ Businesses Funded
97% Client Satisfaction
Business meeting
About TMF Group

A Direct Provider
You Can Rely On

TMF Group is a direct provider of merchant cash advances. All transactions are underwritten and funded internally — no third-party placement, no brokered submissions.

This structure allows for faster decisions, consistent underwriting standards, and a more controlled process from initial review through funding. When you submit a file, it stays with us.

Our approach is straightforward: evaluate cash flow, understand the use of capital, and execute efficiently. Most transactions are funded within two business days of initial submission.

TMF Group is a direct funder. We do not broker or place transactions.
  • We Fund Directly

    Transactions are underwritten and funded with our own capital. No third-party placement or referral fees.

  • Cash Flow–Driven Evaluation

    Decisions are based primarily on revenue performance and operating consistency — not credit scores alone.

  • Built for Ongoing Relationships

    Capital is structured with repeat access in mind. The majority of our portfolio consists of returning clients.

How the Capital Works

Structure

Merchant cash advances are structured around revenue performance. Repayment adjusts with business activity — not against it.

Approval

Expedited Decisions

Decisions are typically issued within hours of receiving required documentation. No committee delays, no prolonged back-and-forth. Our underwriting team reviews files the same day they arrive.

Repayment

Revenue-Adjusted

Repayment is collected as a fixed percentage of daily revenue. Strong periods repay faster; slower periods repay less. The total obligation remains constant regardless of timing.

Use of Funds

Unrestricted

Capital can be deployed at the business's discretion — payroll, inventory, expansion, equipment, or any operational need. There are no use-of-proceeds restrictions or reporting requirements.

The Process

From Application
to Funded in Days

A defined process from submission to funding, typically completed within two business days.

Apply

Submit Your File

Complete a short application and provide 3–6 months of business bank statements. No tax returns, P&Ls, or financial projections required for standard transactions under $500K.

Review & Offer

Underwriting & Offer

Our internal team evaluates cash flow and issues a fully itemized offer — advance amount, factor rate, daily payment, and expected term. Every figure is stated clearly before you commit to anything.

Funding

Capital Delivered

Upon execution of the agreement, funds are wired directly to the business account — typically same day or next business morning. Daily remittance begins the following business day.

Business funding process
Who We Fund

Funding Across
Key Industries

We work with businesses across every major sector. Consistent revenue is the primary qualification — industry and credit history are secondary considerations.

Healthcare
Healthcare Clinics, dental practices, home care agencies
Retail
Retail Brick-and-mortar stores and online merchants
Restaurants
Restaurants Full-service, fast casual, and food service
Construction
Construction General contractors and specialty trades
Transportation
Transportation Trucking fleets and logistics operators
Manufacturing
Manufacturing Small and mid-sized production facilities
Real Estate Svcs
Real Estate Services Property managers and service companies
Energy
Energy Utilities, solar, and energy services firms
Education
Education Private schools, tutoring centers, trade schools
Professional Services
Professional Services Law firms, agencies & consultancies
E-Commerce
E-Commerce DTC brands and marketplace sellers
Auto Services
Auto Services Repair shops, dealerships, detailing
How We Compare

TMF Group vs. Other Options

Not all capital is created equal. See how a direct MCA compares to the alternatives most businesses consider first.

TMF Group
Bank Loans
Credit Cards
SBA Loans
Funding Range $10K – $2M Typically $100K+ Credit dependent Credit dependent
Process Short application, 3–6 months bank statements Long application, credit inspection, business plan, industry risk review Pre-qualify online, soft credit pull Long application, credit inspection, business plan, industry risk review
Approval Time As fast as 4 hours Weeks to months Less than 30 days Months
Time to Funding Same or next business day 2–3 months 7–10 business days 60–90+ days
Approval Criteria Overall business revenue and cash flow Credit score and collateral Credit score Credit score and collateral
Collateral Required None Usually required None Usually required
Why TMF Group

Why Businesses
Choose TMF Group

As a business owner evaluating capital options, you have choices. Here is why our clients return.

Learn More

Speed & Transparency

Files are reviewed the day they arrive. Every offer includes a full cost breakdown — advance amount, factor rate, and daily payment — before you sign anything.

Direct & Accountable

We underwrite and fund every transaction ourselves. No brokers, no third-party placement. One team owns your file from submission through funding.

Revenue-First Underwriting

We evaluate cash flow, not credit scores. Businesses turned away by traditional lenders regularly qualify through our process.

Built for Repeat Access

Over half our portfolio is returning clients. We structure transactions with renewal in mind, so capital access grows alongside your business.

"TMF Group evaluated our file quickly, presented a clear offer, and funded within 48 hours. The process was exactly what they said it would be — no surprises, no runaround."

— Michael R.  ·  Restaurant Owner  ·  New York, NY
Common Questions

Frequently Asked
Questions

A merchant cash advance is a purchase of future receivables, not a loan. Repayment is made through a percentage of daily revenue rather than fixed payments. There is no collateral requirement and no fixed maturity schedule.
Most files are reviewed within 4–24 hours of receiving bank statements. Upon agreement execution, funds are typically wired same day or next business morning.
We look for at least 6 months in business, $10,000 or more in average monthly revenue, and an active business checking account. Revenue consistency is the primary evaluation factor — credit score is considered but is not the primary determinant.
Advance amounts range from $10,000 to $2 million, generally sized at 100–150% of average monthly revenue. Returning clients with strong repayment history regularly qualify for larger positions.
Yes. Capital can be deployed at the business's discretion — payroll, inventory, equipment, expansion, or any other operational need. There are no use-of-proceeds restrictions or reporting requirements.
Direct Funding

Request
Capital

Contact our team to discuss your business and capital requirements. A member of our underwriting team will respond the same business day.

Emailsubs@tmfgrp.com
Getting Started

What to Expect

Submit a completed application and recent bank statements. Our team will review and respond with a decision the same day in most cases.

No hard credit pull to get started
Decision issued within hours of document receipt
Fully itemized offer before commitment
Funds wired same or next business day
Begin Your Application →