Common questions,
straight answers.

Berld Partners is an independent merchant cash advance broker. We are not a funder and we do not lend: we review your file and, with your authorization, present it to a network of vetted funding companies, then bring the offers back to you and explain them side by side. The funding company makes the final decision and may pay us a commission. We have operated since 2015 and have helped place over $250M for more than 3,500 U.S. merchants.

We operate in compliance with applicable U.S. federal and state law governing commercial financing, including required commercial financing disclosures where they apply. Every application passes a review that includes:

• Anti-Money Laundering (AML) screening
• Know Your Customer (KYC) verification
• FATCA compliance checks
• OFAC and international sanctions screening

U.S. businesses with consistent revenue in a business bank account. Most merchants we place have been operating at least six months with $15K or more in monthly deposits. We work with trucking, construction, retail, restaurants, healthcare, auto and professional services. If you are unsure whether you qualify, call us.

Advance size is based on your monthly deposits, typically 50% to 150% of one month's revenue:

• Starter Advance: $500K to $3M
• Growth Advance: $3M to $10M
• Premier Advance: $10M and above
• Custom Advance: $2.5M to $50M+, bespoke structure

If you are unsure which tier fits, we can settle it in one conversation.

A merchant cash advance is priced with a factor rate, not an interest rate. If a funding partner advances $100,000 at a factor rate of 1.25, the total remittance is $125,000. That number is fixed on day one and disclosed in writing before you sign. We never charge you an upfront fee.

Generally no. Our funding partners underwrite on your deposit history, not on collateral:

• Starter and Growth advances: no collateral required
• Premier advances: no collateral, personal guarantee of performance may apply
• Custom advances above $2M: assessed case by case

On most files our funding partners apply no prepayment penalty and offer an early payoff discount off the remaining balance. Ask your Berld specialist to confirm the exact figure in your agreement before you pay it down.

You complete the short application and upload your last three months of business bank statements. About five minutes. Once we have the file we submit it to the funding partners that fit your profile and come back with written offers, usually the same business day.

For most advances:

• Business bank statements (last 3 months)
• A completed application
• Photo ID for all beneficial owners
• Proof of business registration (EIN or formation document)
• Voided check for the funding account
• Larger advances may require tax returns

If something specific comes up in review, we ask for it directly rather than handing you a long checklist upfront.

Most merchants receive a written offer within a few hours of a complete application. Once you sign with the funding company you choose and the funding account is verified, the advance is ACH'd to your business account, often the same business day and rarely later than the next.

All data is transmitted with 256-bit SSL encryption and stored in secure, encrypted systems behind multi-factor authentication. We share your application only with the funding companies you authorize us to submit it to, and with the compliance and payment providers required to underwrite and fund your advance.

Every file goes through a full review: identity verification (KYC), AML screening, FATCA checks, and OFAC and international sanctions screening. It protects you and it protects us.

One Berld specialist handles your file from application through funding, payoff and renewal. No call centre, no being passed around. You can request your remittance history and current balance at any time.