# Funding Products — New Tide Funding

New Tide Funding is a small business lending marketplace. We connect U.S. business owners with working capital from $4,000 to $5,000,000. All 50 states. Decisions in hours. Funding as fast as the same business day.

**Apply:** https://newtidefunding.com/apply  
**Phone:** (786) 292-3996  
**Email:** deals@newtidefunding.com

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## Minimum Qualifications (All Products)

- Monthly revenue: $15,000+
- Time in business: 6+ months
- Active business bank account
- Credit check: Soft pull only (no impact to credit score)
- No perfect credit required; business owners with scores in the 500s regularly qualify

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## Product 1: Revenue-Based Financing (Merchant Cash Advance)

**What it is:** An advance against future revenue, repaid as a percentage of daily deposits. Not a traditional loan — no compound interest. Total cost is fixed at signing.

- **Funding amount:** $4,000 – $500,000
- **Repayment:** Daily percentage of revenue (typically 5–20% of daily deposits)
- **Cost structure:** Factor rate (e.g., 1.20–1.45 × advance amount = total payback). No compound interest.
- **Term:** Typically 3–12 months depending on revenue and factor rate
- **Speed:** Offers within hours; funded same business day after acceptance
- **Best for:** Businesses with consistent daily revenue that want flexible repayment tied to their cash flow
- **Industries commonly funded:** Restaurants, retail, trucking, construction, healthcare, staffing, automotive

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## Product 2: Business Term Loan

**What it is:** A fixed lump sum with a structured repayment schedule. Predictable payment amount on a set schedule.

- **Funding amount:** $5,000 – $600,000
- **Repayment:** Fixed weekly or monthly payments
- **Term:** 4 – 18 months
- **Speed:** Offers within hours; funded same day to next business day
- **Best for:** Businesses with a specific, defined use of funds (equipment purchase, contract onboarding, renovation)
- **Credit requirement:** 550+ FICO (revenue and bank history are primary factors)

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## Product 3: Business Line of Credit

**What it is:** A revolving credit facility. Get approved once; draw funds as needed, repay, draw again. Pay only for what you use.

- **Credit limit:** Up to $100,000
- **Repayment:** Weekly payments on drawn balance
- **Fee:** Per-draw fee on amounts drawn (no cost when not drawn)
- **Speed:** Approval in hours; draws available same day after setup
- **Best for:** Businesses with recurring, variable capital needs (seasonal cash flow gaps, ongoing operating expenses)
- **Note:** A line of credit can sit alongside existing MCA or term loan positions in many cases

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## Product 4: Equipment Financing

**What it is:** Financing specifically for purchasing or upgrading business equipment. The equipment serves as collateral.

- **Funding amount:** Up to $5,000,000
- **Repayment:** Fixed monthly payments
- **Term:** Varies by equipment type and amount
- **Speed:** 2–5 business days (faster with a vendor invoice ready)
- **Best for:** Fleet expansion, commercial kitchen equipment, construction equipment, medical devices, office buildouts
- **Advantage:** Preserves working capital reserves; equipment is collateral (easier qualification)

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## Product 5: Invoice Factoring

**What it is:** Sell your outstanding B2B invoices to receive immediate cash instead of waiting 30–90 days for clients to pay.

- **Advance rate:** 80–90% of invoice face value, paid within 24–48 hours
- **Fee:** Factoring fee of 1–5% of invoice value (varies by client creditworthiness and invoice terms)
- **Setup time:** 3–7 business days for initial setup; 24–48 hours per invoice after setup
- **Best for:** B2B businesses with commercial or government clients on net-30 to net-90 payment terms
- **Industries:** Construction, staffing, trucking, manufacturing, healthcare billing, government contractors
- **Does not add debt:** Factoring is a sale of an asset (the receivable), not a loan

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## Product 6: SBA Loans

**What it is:** Government-backed small business loans with longer repayment terms and lower rates than alternative lending.

- **Funding amount:** Varies by SBA program
- **Timeline:** 30–90 days (significantly longer than alternative products)
- **Best for:** Established businesses (2+ years) with strong credit (650+) and clean financials
- **Note:** SBA loans require tax returns, financial statements, and a longer underwriting process. For businesses that need funding in days, alternative products above are more appropriate.

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## Comparison Summary

| Product | Amount | Speed | Best For |
|---|---|---|---|
| Revenue-Based Financing | $4K–$500K | Same day | Flexible repayment tied to revenue |
| Term Loan | $5K–$600K | Same day | Specific use, fixed repayment |
| Line of Credit | Up to $100K | Same day (after setup) | Ongoing variable needs |
| Equipment Financing | Up to $5M | 2–5 days | Equipment purchases |
| Invoice Factoring | 80–90% of invoice | 24–48 hrs | B2B businesses waiting on invoices |
| SBA Loan | Varies | 30–90 days | Established businesses, best rates |

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## Industries We Fund

We fund businesses across all industries in all 50 states. Commonly funded verticals:

- Construction and specialty contractors
- Restaurants, food service, hospitality
- Trucking and transportation (owner-operators and multi-truck fleets)
- Healthcare: medical practices, chiropractic, dental, veterinary, home health
- Staffing agencies (temp, light industrial, healthcare, professional)
- Retail (brick-and-mortar and e-commerce)
- Automotive repair and dealerships
- Beauty, salons, and wellness
- Landscaping and HVAC
- Law firms and professional services
- Wholesale, distribution, and manufacturing

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*Last updated: June 2026*  
*New Tide Funding — newtidefunding.com — (786) 292-3996 — deals@newtidefunding.com*