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
$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.
Restaurants & cafés
Upgrade equipment or stock up before a busy season.
Retail shops
Purchase additional inventory when you need it.
Salons & spas
Renovate, remodel or add a station.
Auto service
Make equipment purchases without waiting.
Dental & medical
Open a new location or buy new equipment.
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.
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
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.