About The Funding Times
The Funding Times is an independent news platform dedicated exclusively to the United States Merchant Cash Advance (MCA) industry. We cover the deals, lenders, rates, and terms that shape how small businesses access fast capital — and we do it with the rigor and clarity that business owners deserve but rarely get from a fragmented, often opaque market.
Our reporting is built for the people who live this market every day: small business owners weighing an advance against a bank loan, brokers trying to separate reputable funders from predatory ones, and industry professionals tracking which lenders are moving, which rates are shifting, and which deals are getting done. We focus on the US MCA space because depth matters more than breadth — a generalist business outlet will never explain a factor rate, a daily debit, or an early-payoff discount the way a specialist can.
What we cover
Our beat spans the full landscape of fast, non-bank capital for US small businesses. We report on:
- Merchant cash advances — deals, lenders, factor rates, and repayment structures.
- Small business financing — the funding options owners weigh against an MCA, from term loans to lines of credit.
- Working capital — how businesses bridge cash-flow gaps and fund day-to-day operations.
- Alternative lending — the non-traditional funders and products reshaping access to capital.
- Fintech — the platforms and technology driving underwriting, origination, and servicing in this market.
- Commercial finance industry news — the lenders, regulators, and deals moving the broader industry.
The Funding Times is built and edited by a small editorial team with backgrounds in small business finance and independent journalism. We curate the most important MCA stories from across the web, write original analysis and explainers, and publish success stories that show how real businesses use MCA capital to grow. We do not take payment for coverage, and we label sponsored content clearly when it appears. Our editorial standards — accuracy, transparency about sources, and plain language about the costs of capital — are the only product we sell.
If you have a story tip, a deal we should cover, or a lender experience — good or bad — to share, we want to hear from you. Reach the editorial team through our Contact page.