Diesel Funding

    A merchant guide

    Direct MCA Funder vs. Business Loan Brokers: What Business Owners Need to Know

    Understand who reviews a request, what an MCA is—and what to weigh before accepting any funding offer.

    Start an application Review requirements

    Direct funder or broker: what changes?

    A direct funder evaluates and funds its own transactions. A broker helps connect a business with funding providers. Brokers can be useful guides, and the process, documentation, and providers involved vary. Ask who will review your request, what information may be shared, and how your options will be presented.

    Questions to compare when considering direct funding or working with a broker
    What to compareDirect funderBroker
    Who reviews the requestA direct funder reviews the request and makes its own underwriting decision.A broker can help present a request to one or more funders. The process and requirements vary.
    Choice and processYou work with the funder evaluating the request and can ask who makes the decision.A broker may help compare available options. Ask which providers may receive your information and how options are selected.
    RequirementsDiesel Funding requests Application + last 3 months of business bank statements; underwriting may request additional information.Documents and eligibility depend on the broker's process and the funder or funders considered.
    Funding structureDiesel Funding purchases future receivables directly, subject to underwriting.A broker may present different products from different providers; confirm the legal structure of any offer.

    Processes differ by provider. Ask questions and review the terms that apply to your own request.

    Know the product

    An MCA is a purchase of future receivables—not a loan

    In a merchant cash advance, the business receives funds in exchange for an agreed amount of future receivables. Remittances are made under the agreement, here daily or weekly. The offer should make clear the amount delivered, the total payback, remittance schedule, and any adjustment terms.

    The total payback is the full amount the business agrees to remit—not just the amount received. Review it alongside frequency and expected term. Remittances affect operating cash flow; consider whether your business can meet them through changes in revenue as well as ordinary expenses.

    This type of short-term funding may suit a business that understands the agreement and has a specific cash-flow need with a workable repayment plan. It may not be appropriate if the added remittances would leave too little for essential costs or if a longer-term financing option better fits the need.

    Industry professional? See the separate direct funder vs. broker guide for ISOs.

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    Merchant questions, answered

    No. A merchant cash advance is a purchase of a business's future receivables, not a conventional business loan. The agreement describes the amount purchased and the terms for remitting those receivables.

    Diesel Funding agreements specify daily or weekly remittances. Review the schedule and any adjustment provisions in the agreement before accepting an offer.

    Compare the amount delivered to your business, the total amount to be remitted (total payback), the remittance amount and frequency, the expected term, and any applicable agreement provisions. Consider whether the schedule is workable alongside payroll, suppliers, and other obligations.

    Yes. Remittances reduce cash available for operations, and a short-term commitment can still create pressure if revenue changes. Consider the full payback and how scheduled remittances fit your cash flow before deciding.

    Diesel Funding generally considers established businesses with at least 1 year in operation and $30,000 in monthly deposits. The funding range is $5,000 – $3,000,000; amount, eligibility, and approval depend on underwriting. We do not pull your credit and there is no minimum credit score.

    Timing depends on underwriting, complete documentation, and the terms of your offer.

    Considering direct funding?

    Review the requirements and timing, then decide whether an application makes sense for your business.

    Apply for review