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Frequently asked Questions about Merchant cash advance loans

Any U.S.-based small or medium-sized business with consistent revenue can qualify. We work with retail, restaurants, trucking, e-commerce, healthcare, construction, salons, professional services, and more. Even if your credit isn’t perfect, we can still help as long as you have steady monthly deposits.
Most clients receive approvals within a few hours and funding within 24–48 hours once documentation is submitted. We specialize in quick, simplified underwriting so business owners can solve cash-flow needs without waiting weeks
No. Our initial application uses a soft credit pull, which does not impact your credit score. Only after you accept the offer do we complete a full verification.

We only require a few basics:
– Last 3–6 months of business bank statements
– A valid ID
– Voided check / basic business details
No long paperwork, tax returns, or complex statements are needed for most approvals.

You can use Legend Funding for any business purpose, including:
– Inventory & equipment
– Marketing & expansion
– Payroll & operating expenses
– Emergency repairs
– Debt consolidation
– Cash-flow stabilization
We never restrict how you run your business.

No problem — many clients come to us while already working with another lender. We offer second-position, restructures, and consolidation options to improve cash-flow and reduce total daily/weekly stress.