Business funding broker · Coconut Creek, FL
Business funding for small businesses and real estate investors
We shop your file with multiple funding partners to find working capital or an investor loan that fits. Apply online in a few minutes or call us.
Checking your options won’t affect your credit score.
What we can arrange
Business funding
Working capital for businesses with steady revenue. We compare offers from several funders so you can pick the one that fits your cash flow.
- Merchant cash advanceAn advance on future sales, remitted daily or weekly.
- Term loansA fixed amount repaid over a set term.
- Business lines of creditDraw what you need and pay on what you use.
- Equipment financingThe equipment itself serves as the collateral.
- Invoice factoringGet up to 90% of unpaid B2B invoices now.
- SBA loansGovernment-guaranteed 7(a) and 504 loans with longer terms.
Real estate investor loans
Financing for non-owner-occupied investment property. Our programs publish their loan amounts and leverage, so you know the parameters before you apply.
- Fix and flipUp to 95% LTC and 100% of rehab, no experience required.
- Bridge loansAs-is value, 12–18 month terms, $50,000 to $3MM.
- New constructionGround-up and mid-construction projects from $100k.
- Long-term rental (DSCR)$75,000 to $2MM, based on property cash flow.
- Portfolio loansRefinance or buy multiple rentals in one transaction.
- Commercial real estateAcquisition, refinance, land and private money programs.
How it works
- 01
Apply
Fill out the short form on this page or call us. It takes a few minutes and you can start with basic business information.
- 02
Review your options with a funding specialist
We send your file to the funding partners that fit your business. Decisions often come back in under 24 hours, and a specialist walks you through each offer.
- 03
Sign and get funded
Pick the offer that works for you and sign with the funder. Approved files can fund in as little as 24 hours, often the next business day.
What you’ll need
Most files move faster when you have a few things ready before you apply. Your funding specialist will tell you if a funder needs anything else.
For business funding
- Last 3–6 months of business bank statements
- A government-issued photo ID for each owner
- Business name, address, start date and EIN
- Your average monthly revenue
- Equipment financing: a quote or invoice for the equipment
- Invoice factoring: a list of open B2B invoices
For real estate investor loans
- The property address and property type
- Purchase price, or current value for a refinance
- Rehab or construction budget, if any
- Your expected after-repair value or rental income
- A short summary of past projects, if you have them
Who we can usually help
- Businesses with steady monthly deposits
- Owners turned down by a bank
- Owners with less-than-perfect credit or past payment issues
- Restaurants, contractors, trucking, retail, medical practices and e-commerce sellers
- Investors buying, rehabbing, building or refinancing non-owner-occupied property
When we’re probably not a fit
- Businesses with no revenue yet
- Startups that haven’t launched
- Home loans for a house you live in or plan to live in
- Personal or consumer loans
Why work with a broker
One application, several funders
We work with a variety of funding partners. You fill out one application and we compare what comes back.
We look at the whole business
Funders we work with consider the overall health and potential of your business, not only your credit score.
Room for different industries and credit
We work with a wide range of industries and credit backgrounds, including owners with past payment issues.
A real office you can call
We’re at 5379 Lyons Rd in Coconut Creek, FL, and we answer the phone Monday through Saturday, 8:00am to 6:00pm ET.
Common questions
What's the difference between a merchant cash advance and a loan?
A loan is money you borrow and repay with interest over a set term. A merchant cash advance is not a loan. The funder buys a portion of your future receivables for a lump sum today. You pay it back through daily or weekly remittances from your sales, and the cost is set by a factor rate.
Will applying affect my credit score?
No. Checking your options uses a soft credit check, which does not affect your credit score. If you choose an offer and move forward, the funder may run a full credit check before closing. Your funding specialist will tell you before that happens so there are no surprises.
How fast can I get funded?
Underwriting decisions often come back in under 24 hours. Once you’re approved and sign, your file can fund in as little as 24 hours, often the next business day. Timing is set by the funder and depends on the product. SBA loans and real estate loans take longer because they need more paperwork and, for property, an appraisal.
What documents do I need?
For business funding, start with your last 3–6 months of business bank statements, a photo ID and basic business details like your EIN and start date. Some products need more. Equipment financing needs a quote, and factoring needs your open invoices. For real estate, have the property address and your purchase, rehab or rental numbers ready.
Can I get funding with bad credit?
Often, yes. We work with owners across a wide range of credit backgrounds, including past payment issues. Funders look at the overall health and potential of your business, not only your score. Lower credit can narrow your options or raise the cost, and your specialist will be upfront about what’s realistic.
How much funding can I get?
It depends on your revenue and the product. For business funding, funders mostly look at your monthly deposits, time in business and existing balances. For real estate, it depends on the property value, the program and your experience. Fill out the application and we’ll show you what funders are offering for your file.
Do you charge upfront fees?
No. We don’t charge a fee to review your file or show you offers. Any costs tied to a specific offer are part of the funder’s terms, and you’ll see them in writing before you sign anything. If anyone asks you to pay just to apply, that’s a red flag.
Are you a lender?
No. Empire Merchant Funding is a commercial finance broker. We arrange financing through our funding partners and match you with the ones that fit your business. The funder makes the approval decision and sets the amount, rate, terms and timing. We stay with you through the process and help you compare offers.
More answers on our FAQ page.
Free, no obligation
Apply for funding
Tell us about your business or your deal. A funding specialist will review it and contact you with your options, usually within one business day.