Independent funding desk
Capital, placed properly.
One senior advisor places your file with vetted lenders, shows you the real cost in writing before any commitment, and funds in as little as 24 hours. From working capital to SBA, $25K to $5M.
- Placement range
- $25K to $5M
- Fastest funding
- 24 hours
- Financing products
- Seven
- Advisors per file
- One
The ledger
i.Seven ways to fund a business. Priced out loud.
Most funding sites hide the numbers until a sales call. Here is what each product typically costs in 2026, before you give anyone your phone number. Final terms are set by the lender and depend on underwriting.
Straight math
ii.A $50,000 advance at a 1.30 factor costs $15,000. Say it plainly.
A factor rate is not an interest rate. Multiply the advance by the factor and that is the total you repay, on a daily or weekly schedule, no matter how fast you pay it down. The shorter the term, the more that fee costs per year.
Every offer we present comes with this math already done: total payback, payment schedule, and how it compares to a term loan or line you might qualify for instead. If a cheaper product fits, that is the one we place.
The factor rate, in dollars
Move the sliders. This is arithmetic, not an offer.
How the desk works
iii.Three steps. Honest timelines.
Apply in two minutes
Tell us what you need and connect three to six months of business bank statements. Prequalification uses a soft credit pull only.
Soft pull. No obligation.Review real offers
Your advisor presents offers side by side with total payback in dollars. You approve which lenders see your file. Nothing is shopped without your sign-off.
Same day to 72 hours.Get funded
Sign digitally and funds land by wire or ACH. Working capital can fund same day. SBA takes weeks, and we say so up front.
24 hours to 8 weeks by product.
Why a desk, not a marketplace
iv.Rules the big marketplaces will not put in writing.
01One advisor. Not a call list.
Apply to a big marketplace and your file is blasted to dozens of lenders; owners report twenty calls a day. Here, one senior advisor owns your file, and it goes only to lenders you approve.
02Your data is not for sale.
We never resell applications or leak your statements to a lead network. The file exists to get you funded, then it goes quiet. That is written into our privacy policy.
03No hard pull without written consent.
Prequalification is always a soft inquiry. Before any lender runs a hard pull, you sign off explicitly. No surprises on your credit report, ever.
The work
v.Files the desk places.
Placement range per file runs $25K to $5M across seven products. Same day on working capital, weeks on SBA, always the real cost in writing first.
“Two trucks down the same week a contract doubled. Funds hit the account the next morning, and the full payback math was on one page before signing.”
“Walk-in cooler died on a Friday in July. Applied at nine, approved by lunch, wired that afternoon. No barrage of lender calls after.”
“A second crew added off one fixed monthly payment. The advance sat next to the term loan in real dollars, and the cheaper one won.”
“A full renovation funded on a predictable schedule. One person handled the file, and the timeline quoted was the timeline that happened.”
“Three brutal buying months every year. Draw in the morning, stock the cases, repay when the counter is busy. Costs nothing sitting idle.”
“Approved the same week, soft pull only. Fourth-quarter inventory loaded without touching savings, with the fee schedule explained line by line.”
“Bought the building instead of renewing the lease. The SBA file was packaged the way the bank wanted it, quoted honestly at six weeks. It took six.”
“Home equity funded a partner buyout at a single-digit rate. Soft pull to prequalify, funded inside a week, risks walked through in plain English.”
“Three stacked advances were eating a third of every deposit. One restructure cut the daily payment nearly in half, true total cost shown up front.”
“One missed debit from default. No lecture, just a plan: payments down forty percent, breathing room again by Friday.”
Illustrative examples of typical placements.
Plain answers
vi.Questions owners actually ask.
Is TFM Capital a lender?
No. TFM Capital is an independent brokerage, not a lender or a bank. We place your file with vetted lending partners and are compensated by them when a deal funds. Rates and final terms are set by the lender, and we show them to you in writing before you commit.
Will applying affect my credit score?
Prequalifying uses a soft credit pull, which does not affect your score. No lender runs a hard inquiry on you through us without your explicit written consent first. That is a standing rule of the desk, not a marketing line.
How fast can my business actually get funded?
A working capital advance can fund the same day you apply. Term loans typically take 2 to 5 days, lines of credit about a week, a HELOC about 5 business days, and SBA loans 3 to 8 weeks. The honest timeline depends on the product, and we tell you which one you are on before you start.
How does TFM Capital get paid?
Our lending partners pay us a placement fee when your deal funds. You do not pay us to apply, and any fee that ever appears on your side of a deal is disclosed in writing before you sign. If nothing funds, you owe nothing.
What do funders look for in my bank statements?
Most decisions come down to three to six months of business bank statements. Underwriters look at average daily balance, deposit consistency, existing advance payments, and negative days. Strong deposits can outweigh a weak credit score on many products.
What credit score do I need?
It depends on the product. Working capital advances can work below 600 when revenue is strong. Term loans generally want 650 plus, SBA loans 680 plus, and HELOCs 650 to 700 plus depending on lien position. If your score rules out one product, the desk's job is to route you to the one it does not.
I already have one or more advances. Do I have options?
Yes. If stacked advances are eating your deposits, a consolidation can replace them with one structure and cut the total daily outflow by 30 to 50 percent in typical cases. It is relief, not a discount, and we price it to you honestly before you decide.
TFM Capital
See your options before anyone sees your file.
Two minutes to apply. A soft pull to prequalify. Real numbers in writing before you commit to anything.