Which type of Partnership is right for you?

Iso & brokers

Independent sales organization

Referral programs

Accountants, funding advisors

Affiliate Programs

Website owners, Vendors,

History

Merchant capital solutions LLC Dba eFundex is a direct funder  providing Merchant Cash advance, business loans and purchase of accounts receivables.  Our underwriting model is based on the merchant industry type first ( sic codes). We understand that each business type has a different cost of goods sold as well as different expense and payroll ratios.

Underwriting- Our underwriting model is a common sense approach, we will look at the total picture from all data provided to us so that we can make an informed final decision. We can have a decision for you in less than 24 hours.

eFundex Underwriting Model has 3 segments

Financial literacy means having the knowledge, skills and confidence to make responsible financial decisions. (CNW Group/Financial Consumer Agency of Canada)

Industry

  • Analyzing industry type (Sic codes)
  • Analyzing cost of goods sold
  • Location of the businesses
  • Accounts receivables versus payables
  • Debt to credit availability
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Business bank statements

  • Monthly revenue
  • Average Monthly deposits
  • Daily balances
  • Monthly revenue
  • Monthly Negative days or overdrafts
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Business risk profile

  • Years in Business
  • Business credit
  • Personal credit
  • Brick & Mortar or home based

Efundex Funding’s products

  • Consolidations of multiple balances,  with no  cash net to the business owner

  • Stage Funding–disbursements each week ( We will explain )

  • Estimated turns range from 2-12 months (no set payback period on merchant cash advance)

  • Side by side funding

  • Starting factor rates that are lower than most funding companies

Efundex offers to Partners

  • Ability to speak to decision makers

  • Common sense underwriting

  • Syndication Opportunities

  • Customized deals out of the box

  • Next day commissions

Efundex Understands brokers

Merchant Capital Solutions LLC has been providing working capital since 2008, we began as Brokers and slowly transitioned to direct funders. We understand the challenges that Business Brokers (ISO ) face in trying to find a home for a particular merchant.   We also understand the frustration with funders that try to fit each merchant in the same box. That’s why at  Efundex we have three programs to help your merchants better their credit risk profile.

Efundex Funding programs

Diamond Program

Factor rates 1.06 - 1.27Estimated turn ( term ) 2 - 12 months
$25,000 - $250,000
  • Renewals
  • Side by side offers
  • 40% remitted , eligible for add on
  • Remittance
  • Ach Daily Payments
  • Ach Weekly payments
  • Lockbox
  • Merchant credit card split ( Holdback )

Gold Programs

Factor rates 1.18 - 1.32 Estimated turn ( term ) 3 - 10 months
$20,000 - $150,000
  • Renewals
  • Side by side offers
  • 50% remitted, eligible for add on
  • Remittance
  • Ach Daily Payments
  • Ach Weekly payments
  • Lockbox
  • Merchant credit card split ( Holdback )

Silver Programs

Factor rates 1.25 - 1.38Estimated turn ( term ) 3 - 8 months
$10,000 - $75,000
  • Renewals
  • Side by side offers
  • Refinance
  • 50% remitted, eligible for add on
  • Remittance
  • Ach Daily Payments
  • Lockbox
  • Merchant credit card split ( Holdback )

Partners with us

Inquire within for
Type of organization
Our account EXECUTIVE WILL REACH OUT TO YOU WITHIN 24 HOURS TO GET YOU SIGNED UP AND start FUNDING DEALS.