Funding offer review
Already Have a Funding Offer? Get a Second Opinion Before You Sign
Send the merchant cash advance or business funding offer you already have, along with your last 4 months of business bank statements. Forwardfy’s team reads both and tells you straight how the offer looks and whether Forwardfy can do better. No new application to start, no effect on your credit score to check, and you usually hear back within hours during business hours.
Free · No new application · No credit-score impact to check your options
Shop Without Shopping: Three Steps
Send what you already have
Upload the offer and your last 4 months of business bank statements. No new application.
Forwardfy reviews both
A funding advisor reads the offer against your actual deposits, usually within hours during business hours.
Get a straight answer
You hear how the offer looks. Where we can do better, you get Forwardfy’s own offer to compare.
The full application only comes later, and only if you decide to move forward with Forwardfy.
Send your offer for review
Add the offer and your statements together. Files are encrypted in transit (HTTPS) and delivered straight to your funding advisor. PDF, JPG, PNG or HEIC · up to 12 files, 8 MB each.
Offer received!
Your files were sent encrypted to your funding advisor.
A funding advisor will review your offer and statements, usually within hours during business hours, then call or email you with a straight read. Questions in the meantime? (855) 393-7449, Monday – Friday, 9:00 a.m. – 8:00 p.m. ET.
Nothing else to fill out right now. A full application only comes if you decide to move forward.
Prefer to talk it through? Call (855) 393-7449 and read us the numbers.
The Numbers That Decide a Deal
Offers arrive in different formats, but every one of them reduces to the same three numbers. Ask every funder for them in writing:
- The amount you will receive after any fees are taken out.
- The total you will repay.
- The exact payment and its frequency: can your slowest week absorb it?
On a merchant cash advance, the first two give you the factor rate, even when the paperwork never uses the words:
Total Payback ÷ Advance = Factor Rate
$62,500 ÷ $50,000 = 1.25. Cost of capital: $12,500, fixed at signing.
Most revenue-based funding offers fall between about 1.10 and 1.49. A lower factor rate is not automatically the better offer, though: compare it together with the amount, the term, and the payment size. The full walk-through is in factor rates explained, with the actual math.
Five questions to ask before signing
- What is the total payback in dollars, including every fee?
- What exactly leaves my account, how often, and starting when?
- What happens if I pay off early: is there a discount, or do I owe the full amount?
- Is the cost fixed up front, or does interest keep accruing on the balance?
- Are there origination, wire, ACH, or renewal fees not shown in the rate?
Want to run the math yourself first? Put your numbers into the merchant cash advance calculator, or line two offers up in the funding comparison calculator.
For illustration only, not an offer or financial advice.
Why One Review Beats Five Applications
Getting a second number usually means starting over: a new application at each company, the same documents sent again, and sometimes another hard credit pull. Those add up. Five funders running five hard pulls can mean five separate dings on your credit.
Here you send what you already have, once. Forwardfy Capital is a direct funder, and Forwardfy’s team reviews your offer and statements. Checking has no effect on your personal credit score, with no hard credit check and a soft credit pull at most. More on how inquiries work in does business funding affect your personal credit?
Offer in hand? Send it with your statements and hear back within hours during business hours.
Send My OfferOffer Review FAQs
How do I know if my merchant cash advance offer is a good deal?
Reduce it to three numbers: the amount you actually receive after any fees, the total you will repay, and the exact payment with its frequency. Divide the total payback by the advance to get the factor rate, then ask whether your slowest week can absorb the payment. If you would rather have a funder check it, send the offer and your statements through this page and Forwardfy's team will tell you how it looks.
Is my factor rate good?
Most revenue-based funding offers fall between about 1.10 and 1.49, and where a business lands depends mainly on deposit consistency, time in business, industry, and existing obligations. A lower factor rate is not automatically the better offer: compare it together with the amount, the term, and the payment size. See how factor rates work, with the math.
Can I get a second opinion on a funding offer I already have?
Yes. Upload the offer with your last 4 months of business bank statements. Forwardfy's team reviews both and tells you straight how the offer looks and whether Forwardfy can do better. It is free and there is no obligation.
Can I look for a better offer without filling out more applications?
Yes. There is no new application to start. The offer and the statements you already have are enough for a first look, along with your contact details so an advisor can reach you. A full application is only needed if you decide to move forward with Forwardfy.
Will a second look affect my credit score?
No. Checking your options with Forwardfy has no effect on your personal credit score, with no hard credit check and a soft credit pull at most. A hard credit check before final funding is done only with your permission, and we tell you first.
What do I need to send?
The offer itself (the offer sheet, the contract, or a clear photo or screenshot of the terms) and your last 4 months of business bank statements, ideally as PDFs from your online banking. PDF, JPG, PNG or HEIC, up to 12 files, 8 MB each.
How fast will I hear back?
Usually within hours during business hours (Monday – Friday, 9:00 a.m. – 8:00 p.m. ET). Prefer to talk it through? Call (855) 393-7449.
What if the offer I have is already the best one?
Then we will tell you so. You hear it straight either way, and there is no fee and no obligation.
Can I send a term loan or line of credit offer, not just a merchant cash advance?
Yes. Forwardfy funds merchant cash advances, invoice factoring, term loans, and business lines of credit, so any business funding offer can be reviewed. Term loans and lines of credit are priced with interest rather than a factor rate, but the same three numbers still decide the deal: what you receive, what you repay in total, and the payment.
Related Tools & Guides
Merchant Cash Advance Calculator
Payback, payment size, and cost per dollar from your own numbers.
Open the tool →Funding Comparison Calculator
Two offers side by side: total cost, payment, and cents on the dollar.
Open the tool →Factor Rates Explained
How the number that replaces an interest rate actually works.
Read the guide →MCA Consolidation
When replacing several daily payments with one makes sense.
Read the guide →Does Funding Affect Personal Credit?
Soft vs. hard pulls and how to shop without stacking inquiries.
Read the guide →Business Funding Requirements
What a small business needs to qualify with Forwardfy.
See the requirements →Have an Offer in Hand? Get a Second Look First
One upload. No new application. A straight answer from a real funding advisor.
Checking your options has no effect on your credit score · Monday – Friday, 9:00 a.m. – 8:00 p.m. ET