Funding Built Around the Way Your Business Actually Works
Legend Advance Funding provides $20,000 to $3 million in business cash advances to US merchants. Most decisions come within 24 hours, funding in 24 to 48. We’re a direct funder, with in-house underwriting and our own capital, so there’s no broker markup. You see your total cost in dollars before you sign.
A contractor carries payroll for weeks before a progress draws lands. A restaurant collects daily but rides seasonal swings. An eCommerce seller buys inventory months ahead of demand. Same capital need, different repayment realities.
Legend Advance Funding reads deposit patterns, revenue consistency, and time in business. Industry shapes your structure, not your eligibility.
Legend Advance Funding works with US small and medium-sized businesses across the industries below. If your industry is not listed, contact our team, because we fund many additional business types.
Keep projects moving when customer payments, progress draws, and project expenses do not land on the same schedule. Common for general contractors, subcontractors, HVAC, electrical, plumbing, roofing, and concrete.
Funding can help with: materials and supplies · payroll and subcontractors · project capacity
Keep vehicles on the road with capital for repairs, fleet costs, fuel, and everyday operating expenses while you wait on freight settlements. Common for owner-operators, small fleets, and last-mile carriers.
Funding can help with: vehicle repairs and maintenance · fuel and operating costs · fleet expansion
Stay ready for shifting demand, inventory costs, equipment repairs, renovations, and seasonal opportunities. Common for full-service and quick-service restaurants, cafes, food trucks, and catering.
Funding can help with: inventory and supplies · kitchen equipment · staffing and working capital
Buy ahead of your peak season, refresh your store, and keep shelves stocked without draining operating cash. Common for brick-and-mortar stores, specialty retail, and convenience stores.
Funding can help with: seasonal inventory · store improvements · staffing and working capital
Invest ahead of demand without pressuring day-to-day cash flow while platform payouts settle. Common for Amazon, Shopify, Walmart, and direct-to-consumer brands.
Funding can help with: inventory purchases · advertising and customer acquisition · fulfillment and expansion
Purchase inventory and cover operating costs while your invoices sit on net-30 to net-60 terms. Common for wholesale distributors, importers, and suppliers.
Funding can help with: bulk inventory purchases · warehousing and logistics · payroll between collections
Maintain the standard of care your patients expect while managing equipment, staffing, expansion, and the gap between service and reimbursement. Common for medical, dental, chiropractic, veterinary, and urgent care practices.
Funding can help with: medical and dental equipment · staffing and payroll · practice expansion
Invest in the people, technology, and marketing your firm needs to serve clients and win new work. Common for law firms, accounting practices, agencies, consultancies, and IT services.
Funding can help with: payroll and hiring · technology and software · marketing and expansion
Keep customer vehicles moving when equipment, parts, payroll, and unexpected repairs squeeze operating cash. Common for independent mechanics, body shops, tire shops, and dealerships.
Funding can help with: parts and inventory · diagnostic and lift equipment · shop expansion
Businesses do not all operate on the same financial cycle, so Legend Advance Funding underwrites the overall strength and consistency of your revenue rather than a single number. We read your deposits, not just your score.
We look past a single credit number to the health and consistency of your business deposits.
Use approved funding for payroll, equipment, inventory, marketing, expansion, and other business needs.
A streamlined application and in-house review remove the delays a broker chain adds.
Experienced funding specialists walk you through your options. Real people review your file.
Legend Advance Funding offers one product: a business cash advance, also called a merchant cash advance or revenue-based financing. It is the purchase of a portion of your future receivables, not a loan.
You receive capital up front, and remittance is collected as a fixed daily or weekly ACH from your business bank account. Because it funds against overall revenue rather than one invoice or asset, a single advance covers what businesses elsewhere use several products for.
Cover payroll, rent, and operating costs when expenses and customer payments fall on different schedules.
Buy stock or project materials ahead of the revenue they generate.
Replace or repair the equipment your operation depends on.
Open a location, take on a larger contract, or add capacity.
Share basic details about your business. No long forms, and applying does not obligate you to accept an offer.
We review your deposits, monthly revenue, existing obligations, and industry. Decisions generally within 24 hours.
See the amount funded, total repayment, remittance amount, frequency, and estimated term before you commit.
Once documentation is complete, funds land in your business account, typically in 24 to 48 hours.
Growing businesses need a funding partner where speed and transparency are not a trade-off. Legend Advance Funding is a direct funder, which means you work with the source of the capital rather than a broker adding fees on top.
We underwrite in-house and fund with our own capital. No broker markup.
A range that covers a payroll gap or a major expansion.
Generally within 24 hours, funded in 24 to 48 once documentation is complete.
We weigh revenue consistency alongside credit, not score alone.
You see the full amount before you sign. No hidden fees.
Real people reviewing your file, not automated decisions.
Legend Advance Funding funds US small and medium-sized businesses in retail, restaurants, construction, transportation and logistics, wholesale and distribution, eCommerce, healthcare, and professional services. Gambling, adult entertainment, and illegal services are not eligible. If your industry is not listed, contact our team.
Yes, but it affects structure more than eligibility. Your revenue pattern determines the remittance amount, frequency, and term that will fit.
Required disclosures vary by state, and your specialist will confirm what applies.
You need 3-6 months in business, $20,000 or more in monthly revenue, and an active US business checking account. Consistent deposits carry more weight than a perfect credit score.
No. There is no strict minimum FICO, and cash flow carries more weight than the score.
Yes, with at least 3 months of operating history and consistent deposits. Underwriting reads deposit history, not projections, so businesses with no revenue history do not qualify.
Open advances are reviewed case by case against your actual deposits. Disclose any existing positions when you apply, since undisclosed advances found in verification will stop a file.
Legend Advance Funding provides business cash advances from $20,000 to $3 million. Your approved amount is tied to your average monthly deposits, time in business, and existing obligations.
Decisions are generally available within 24 hours, and funding follows in 24 to 48 hours once documentation is complete. Timing depends on your documents, underwriting, and your bank.
Your last 3 to 6 months of business bank statements, a government-issued ID, and a voided business check. Tax returns and financial statements are not needed for most approvals.
No. It is the purchase of a portion of your future receivables, so the cost is a fixed dollar amount and a factor, not an interest rate. Because remittance is a fixed daily or weekly ACH, the term is an estimate rather than an amortization schedule.
The cost is a fixed dollar amount set when the agreement is made, not a rate that accrues. On a $50,000 advance with $65,000 total repayment, the cost is $15,000. Paying off early does not reduce that total unless your agreement includes an early payoff discount.
Any legitimate business purpose, including inventory, equipment, payroll, marketing, expansion, repairs, and cash-flow gaps. It cannot be used for personal expenses.
Whether you need capital to close a short-term cash-flow gap or to invest in your next stage of growth, Legend Advance Funding will help you review your options, with the full cost on the table before you decide.
Applying takes minutes and does not obligate you to accept an offer. Available to US businesses only.
