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Guidelines

Clear instructions that help you understand the application process from start to finish. Covers eligibility, required steps, and best practices.
Designed to ensure you submit a complete and accurate application.

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Submission Checklist

A step-by-step list of everything you need before submitting your application.
Helps you verify documents, forms, and details are ready.
Prevents delays by ensuring nothing important is missed.

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Document Requirements

A detailed list of all documents needed for a successful application.
Explains what each document is, why it’s needed, and acceptable formats.
Ensures your submission meets verification and compliance standards.

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Calculators & Tools

Interactive tools to help you estimate costs, eligibility, or timelines.
Provides instant calculations based on your inputs.
Helps you make informed decisions before you apply.

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Blog's

A collection of articles and insights on relevant topics and trends.  Shares knowledge, updates, and expert perspectives in an easy-to-read format.  Helps users stay informed, learn new ideas, and explore topics in more depth.

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A Capital Partner Built for ISO Success

Clear, actionable insights on financing, cash flow, and growth—written for real-world entrepreneurs.

Latest Funding Guide

Short term financing for seasonal business

Do you own a seasonal business? If so, you know that your business goes through high and low periods with

Tools to streamline your business finances

No matter what your niche is, keeping up with the financial side of your business can be complicated. Whether you’re

Common challenges small business owners face when looking for financing

Whether struggling to hire new quality team members or facing cash flow issues, small business owners often struggle with business

Need Guidance on a Submission?

Our partner managers are here to help you navigate specific deal scenarios

Frequently asked Questions about Merchant cash advance loans

1. What types of businesses qualify for funding from Legend Funding?

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.

2. How fast can I receive the funds after applying?

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

3. Will applying affect my credit score?

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.

4. What documents do I need to get started?

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.

5. What can the funding be used for?

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.

6. What if I already have an existing loan or MCA?

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.