Max advance
$10M
States covered
50
Decision time
1 hr
Client standard
A+
Our story

Built by people who understand business.

i-GotFunded was founded by financial professionals who spent years watching viable, profitable businesses get denied or delayed by outdated lending models.

Banks move slow. Credit committees meet twice a week. Meanwhile, your supplier won't hold that inventory and your payroll deadline doesn't move.

We built the alternative — fast, direct, and on your terms.

Team at work

The problem we saw

Traditional banks require 2+ years in business, perfect credit, collateral, tax returns, audited financials — and then take 30–90 days to say yes or no. By the time you hear “approved,” the opportunity is gone.

The solution we built

Merchant cash advances are not new. What's new is how we deliver them. We invested in a lean, tech-assisted underwriting process that lets our team review applications in real time. When your application comes in at 9 AM, your specialist is looking at it by 9:15 AM.

Why we're different

We're a direct funder — not a marketplace or broker. That means we control the terms, the timeline, and the relationship. We don't resell your application to ten lenders. You talk to us, and we fund you.

Where we're going

i-GotFunded is expanding its product line, partner network, and team. We're building the infrastructure for a new kind of business lending — one that starts with trust, moves with speed, and scales with you.

Our values

What we stand on.

These aren't slogans on a wall. They're the decisions we make every time we pick up the phone or approve an advance.

FOUR PRINCIPLES

Transparency

You'll know your factor rate, repayment structure, and exactly what you're signing before a single document executes. No hidden fees, ever.

Speed

Capital has time value. We treat urgency as the default, not the exception. When you need funding, we move — same day when approved by noon.

Respect

Business owners aren't applicants to be processed. You're building something real. We engage with that — and with the person behind the business.

Integrity

We decline deals we can't stand behind. If your business isn't positioned to benefit from an advance, we'll tell you — and point you toward what will help.

MCA vs. traditional lending

Why businesses choose us
over the bank.

Traditional commercial loans were designed for a different era. MCA was designed for businesses that live in the present tense.

i-GotFunded MCA
Traditional bank loan
Time to decision
Under 1 hour
30–90 business days
Time to funding
Same day (approved by noon)
Weeks after approval
Collateral required
None
Often required
Credit minimum
500+ FICO
680–750+ typically
Documents required
3 mo. statements + 1-page app
Tax returns, P&L, audits
Repayment flexibility
Tied to daily revenue
Fixed monthly payments
Max funding
Up to $10 million
Often capped for SMBs
Start the conversation

Ready to see what you qualify for?

No hard pull on your credit. No commitment. Just answers — in under an hour.

Apply for funding How it works