Working capital for small businesses
Business Funding Built Around Your Business
Get the working capital you need to grow, manage cash flow, and seize opportunities. Funding available as soon as the same business day.
Secure processNo credit inquiry during the eligibility check
Funding between
$10,000 – $500,000
Decisions in hours. Funding as soon as the same business day.
Retail & specialty stores
What GLD Funding does
Capital that reads your bank statements, not your credit file.
GLD Funding provides working capital to businesses based primarily on business performance and cash flow. Our streamlined process means less paperwork, faster decisions, and funding structured around your business.
Advances run from $10,000 to $500,000. We purchase a portion of your future receivables at a discount, so you get the capital now, with daily or weekly remittances set out before you sign.
How a merchant cash advance worksHow it works
Three steps, start to funded.
Apply, review, get funded. Same-day funding is available once your file is complete.
Apply
Complete a simple application and provide recent business bank statements.
Review
Our underwriting team reviews your business and presents available funding options.
Get Funded
Review your terms, sign electronically, and receive funds directly into your business account.
Get started
See what your business may qualify for.
Tell us roughly how much you are looking for and we'll take it from there. No credit inquiry during the eligibility check. No obligation.
See what your business may qualify for
Answer a few simple questions to get started. No credit inquiry during the eligibility check.
Industries we fund
We know your trade's cash flow.
We have funded these trades for years, so underwriting already understands why your deposits look the way they do.
Client experience
Business owners who have been through it.
Real clients, named businesses, in their own words.
Individual results vary. Testimonials reflect the experience of specific clients and are not a guarantee of approval, terms, or outcome.
Common questions
Straight answers.
What is a merchant cash advance?
A merchant cash advance is the purchase of a business's future receivables at a discount, not a loan. GLD Factoring LLC DBA GLD Funding advances a lump sum - typically between $10,000 and $500,000 - and recovers it through fixed daily or weekly remittances.
How fast can I get funded?
Same-day funding is available. Once we have a complete file, underwriting moves quickly, and funds can reach your business account the same day a contract is signed. Actual timing depends on underwriting and your bank.
Do I need good credit to qualify?
We look beyond just a credit score. Underwriting reads business performance and cash flow to understand how the business actually moves money. A prior bank decline does not determine the outcome here.
What documents do I need to apply?
Four months of business bank statements, plus basic business and owner details. Anything else is requested only if your specific file calls for it, after review.
How much does a merchant cash advance cost?
Cost is expressed as a factor rate rather than an interest rate. At a factor rate of 1.25, a $50,000 advance has a Total Purchased Amount of $62,500. Every offer includes a written disclosure of total dollar cost and terms.
How do I apply?
Complete the online application and provide four months of business bank statements. Our underwriting team reviews your business and presents the funding options available to you before you commit to anything.