BizFunds® merchant funding from Kurv

A quick and easy way for your business to obtain cash.

BizFunds® purchases a pre-determined amount of your business’s future Visa®/MasterCard® sales volume. We retrieve a fixed percentage of daily credit card sales when they settle — built around how you already get paid.

  • Not a loan
  • Free to apply
  • Good credit not required
Illustration of a small business storefront taking a contactless card payment, with rising daily sales and working capital

$2,500–$100K

In future card receivables purchased

~5 days

Typical time to funding after approval

$0

To apply — no upfront fees

$10/mo

Admin fee, billed through your processor

Who it’s for

Built for the businesses on your block.

If you process credit card transactions, we have the solution for you.

Café owner waving from behind the counter

Restaurants & cafés

Upgrade equipment or stock up before a busy season.

Boutique owner holding a shopping bag in her shop

Retail shops

Purchase additional inventory when you need it.

Salon stylist with a client in the chair

Salons & spas

Renovate, remodel or add a station.

Mechanic with a wrench beside a car in the shop

Auto service

Make equipment purchases without waiting.

Dentist with a clipboard beside a dental chair

Dental & medical

Open a new location or buy new equipment.

Hotel host waving from the front desk

Hotels & hospitality

Smooth out cash flow for seasonal business.

How it works

We get paid when you get paid.

BizFunds® is a more flexible alternative to traditional bank lending. There’s no monthly payment schedule — repayment moves with your card sales.

1. We purchase future sales

We provide funds by purchasing a pre-determined amount of your business’s future Visa®/MasterCard® sales volume.

2. A fixed percentage as sales settle

We retrieve a fixed percentage of your daily Visa®/MasterCard® sales when they are settled at the end of the day.

3. Grow — and settle early if you wish

Since this is not a loan, there’s no fixed payment schedule. You’re free to settle your obligation early.

A smiling business owner at a laptop, with a card showing rising sales and a coin for new working capital

Made for small business owners

Capital that keeps up with your sales.

Do you envision a bright future for your business, but worry that insufficient funding will hold you back? BizFunds® provides small business owners the ability to raise needed capital — built around how you already get paid.

  • No fixed monthly payment — we get paid when you get paid
  • Use the money however is best for your business
  • Questions? Our Customer Care Group is a phone call away

Why merchants choose BizFunds®

Working capital without the bank-loan hassle.

Fast funding

Funding usually arrives about 5 working days after approval and receipt of your contract.

Not a loan

BizFunds® is a purchase of future receivables — no late-payment charges or penalties.

Payments that flex

A fixed percentage of daily card sales means you pay less on slower days.

Good credit not required

Our approval process is much less stringent than traditional banks.

No restrictions on use

Spend the working capital on whatever is best for your business.

Free to apply

There are no upfront fees, and the application process is simple.

Use it your way

What can BizFunds® be used for?

We’re not like traditional banks and don’t specify how you must use the working capital.

Additional working capital

Equipment purchases

Advertising

Purchasing additional inventory

Cash flow for seasonal businesses

Renovating or remodeling

Opening new locations

Buying out business partners

Emergencies

A smiling baker in a chef hat holding a clipboard with every item checked

Do I qualify?

A few simple requirements.

If you process credit card transactions, here’s what we look for before we purchase your future card sales.

  • At least 12 months in business, four under current ownership
  • At least $2,500 per month in Visa®/MasterCard® transactions
  • Four consecutive months of processing statements
  • Credit score of 600 or higher — lower may still be considered
  • Three trade references and proof of business space

FAQs

Common questions

Straight answers about how BizFunds® works, what it costs and how fast you can get funded.

Is BizFunds® a loan?

No, this is not a loan. It is a purchase of future receivables. We purchase a portion of your future Visa®/MasterCard® transactions.

How much can I get?

The amount of Visa®/MasterCard® receipts purchased (from $2,500 up to $100,000) is determined by your average credit card volume over a select period of time. We will approve your business for the largest amount possible based upon the documentation provided.

What kind of ancillary fees are there?

There is a $10 per month BizFunds® administration fee billed through your processor.

Do I have to switch my current merchant account processor?

Yes. You will need to change your merchant account processor to one that has a relationship with BizFunds®. It is the unique way we collect the future revenue you sold us. Our allied processors guarantee to meet or beat the transaction rates and fees you are currently paying.

Do you envision a bright future for your business?

Don’t let insufficient funding hold you back. Let BizFunds® help you get there.