For companies with seasonal or uneven cash flow. A merchant cash advance repays as a percentage of your future monthly sales — more in strong months, less in slow ones — so payments never outrun your revenue. No fixed payment, no equity.
Link billing, banking, and card processing in minutes. Your monthly sales are the underwrite — no deck, no forecast model.
We size the advance against your revenue and set one factor rate and holdback percentage, disclosed up front — no surprises.
Accept and capital lands, typically within 48 hours. Repayment then flexes automatically as a share of each month of sales.
A merchant cash advance gives you capital today and takes repayment as a set share of each month of sales. Strong months pay down faster, slow months ease off — the structure bends with your business instead of against it.
737 founders have used Founderpath to grow without giving up equity. From our first deal to today, the reviews speak for themselves.
Founderpath understands startups! They bring the VC mentality without the equity. It's a great bet over traditional banks or other lenders like Novel. We found that their terms are the most founder-friendly, and they move quickly.
A seamless, pleasant experience from start to finish. Nathan and his team are great to work with, responsive, knowledgeable and diligent. We were able to successfully close in less than a week. I highly recommend them!
Founderpath is the easy button! They move very quick, the slowest part of getting money was me. We have a unique business model and they took the time to understand it and get behind us. Looking forward to more rounds together.
I signed up for Founderpath on Feb 16th and had access to $100k on the 17th. We built that into our plans and eventually used the capital in August. The team responded quickly to emails. The free reporting they've built for SaaS founders is more insightful than the other paid saas reporting tools out there. Am a super happy founder, and we have drawn additional funds since then. Kevin and the team are wonderful to work with and are absolutely startup friendly.
After trying all the RBF platforms out there, we found FounderPath to be the best one to work with, having the best terms, and also giving us added value that nobody else could. FounderPath also worked with us to help us resolve our unique situation, and make our payment more predictable and flexible. With FounderPath, it's not just the money - it's being part of a financial support network. Also, switching from our previous provider (CapChase) was extremely easy and smooth.
The cost of capital is significant, but it's still cheaper than giving annual prepay discounts to customers and it doesn't dilute the shareholders. We have since done two separate draws, and are planning to continue using Founderpath as an effective no-dilution funding vehicle as we grow.
No pitch deck, no scarcity, no countdowns. Connect your data and we'll show you exactly what you qualify for — every figure disclosed up front.
A merchant cash advance is an advance of capital repaid as a fixed percentage of your future revenue rather than a fixed monthly payment. Payments rise in strong months and fall in slow ones, so repayment flexes with your cash flow.
You repay a set percentage — from 5% — of your monthly sales until the advance and its factor are paid off. There is no fixed monthly payment and no maturity cliff.
Advances run from $25K to $1M, sized against your monthly sales. As revenue grows you can return for more.
A merchant cash advance uses a single factor rate disclosed up front, not compounding interest. There are no origination fees, warrants, or hidden costs.
Companies with seasonal or uneven cash flow, where a fixed loan payment is a strain but a revenue-linked share is not. Common for brick-and-mortar, ecommerce, and hospitality alongside software.
No. A merchant cash advance is 100% non-dilutive — no equity, no warrants, no board seats, and no full personal guarantee. We take a lien on business assets only.
Most advances fund within 48 hours of connecting your billing, bank, and processing data.
