Funding & Lending Disclosures
Funding & Lending Disclosures
Last updated: November 05, 2025
- Builders Business Funding is not a bank or SBA lender.
- Some products we offer are merchant cash advances (MCAs), which are purchases of future receivables, not loans.
- Funding amounts, terms, and approvals vary by applicant.
- Factor rates may range from 1.25 to 1.5+, depending on risk and revenue. Example: a $50,000 advance with a 1.25 factor rate requires repayment of $62,500.
- Repayment is typically structured as a percentage of daily or weekly receivables until the obligation is satisfied.
- Prepayment options and early repayment discounts may be available depending on the agreement.
- We encourage all applicants to carefully review their contracts before signing.
State-Specific Notices
California, New York, and other states may require additional MCA disclosures, including total repayment, APR-equivalent ranges, and comparison examples.
We comply with applicable laws in each state where funding is offered.
If you have questions about your funding terms, please contact us before signing any agreement. We’re here to help you understand your options and make informed decisions.