Aspire Funding Platform
ASPIRE
FUNDING PLATFORM
The People's Funding Company
Now Funding Nationwide · 2026

THE PEOPLE'S
FUNDING
COMPANY

MCA veteran underwriters + cutting-edge OCR/API technology = competitive approvals from $10K to $1 Million, often the same day you apply.

24hr
Typical Funding
17pt
Max ISO Commission
$1M
Max Advance
1–6th
Positions Funded
Apply for Funding How It Works
No credit pull to estimate your advance
WHY CHOOSE
ASPIRE?
MCA veterans. Cutting-edge tech. People-first culture.
$1M
Max Advance
24HR
Funding Speed
17PT
ISO Commissions
1–6
Positions Funded
Same-day funding — no wait, no guesswork
Transparent terms — no hidden fees, ever
MCA veteran underwriters reviewing your file
Broad industry & position acceptance (1st–6th)
Full compliance — self-regulated to the highest standards
Apply for Funding
No credit pull to get started · Free consultation
Same-Day Funding Available
Transparent Terms
Up to 17-Point ISO Commissions
1st–6th Position
Data Secure
Restaurants, Medical, Law & More
Why Aspire
Built Different.
Proven Results.

MCA veteran underwriters, API/OCR technology, and a commitment to transparency — handling $10K deals with the same care as $1M deals.

Streamlined & Fast
Meticulously optimized approval pipeline — funding within 24 hours, often same day of submission.
Competitive Factor Rates
Competitive, transparent factor rates tailored to your risk profile and business performance.
Exceptional Support
Responsive at every step — application, approval, and post-funding. Real people, real answers.
Compliance-First
Self-regulated to the highest ethical standards. Every contract, rate, and fee is fully disclosed upfront.
1st–6th Position
We fund across positions for most industries, including consolidation of up to two existing positions.
Data Security
Strong, unwavering commitment to protecting merchant and ISO data at all times.
Eligibility
Do You Qualify?

Broad criteria, flexible evaluation. We look at the full picture — not just credit.

500+
Min. FICO Score
Owner FICO ≥ 500 required for review
9 mo
Time in Business
Minimum 9 months operating history
$100k
Annual Revenue
Minimum $100,000 annual gross revenue
$1k
Avg. Daily Balance
Average daily bank balance ≥ $1,000
View Full Underwriting Guidelines
HomeHow It Works
The Process
HOW IT WORKS

Two paths, one platform. Merchants get capital, ISOs get commissions.

For Merchants
Get funded in as little as 24 hours
1
Submit Your Application
Fill out our streamlined form online. Basic details + last 3 months of bank statements. Application takes under 5 minutes.
2
Receive a Competitive Offer
Our MCA veteran underwriters review your file with OCR/API technology — issuing a competitive approval, typically within hours. Competitive, flexible funding terms — tailored to your business profile.
3
Get Funded — Often Same Day
Accept your offer, sign the Receivables Purchase Agreement, complete Plaid bank verification, and capital lands in your account.
For ISO Partners
Industry-leading commissions up to 17 points
1
Join the ISO Network
Register via our ISO form. Quick onboarding — commission structure, submission process, and deal expectations all made clear upfront.
2
Submit Your Deals
Send merchant files to submissions@aspirefundingplatform.com. Include 3 months bank statements, completed application, and any existing position details.
3
Earn Up to 17-Point Commissions
Deals funded fast = commissions paid fast. Dynamic structure scales with your volume. Full transparency at every stage — from offer to funded.
FAQ
Common Questions
An MCA provides a lump sum of capital in exchange for a percentage of your future daily sales. It's not a loan — remittances flex with your daily revenue. No fixed monthly payment, no collateral required.
Approvals typically come within hours of receiving a complete file. Funding is deposited within 24 hours and often the same day of submission.
For underwriting: 3 months of bank statements, signed/dated application with credit authorization, and any existing position details. For funding: Proof of EIN + ownership, voided check, driver's license, signed Receivables Purchase Agreement, bank login (Plaid), and a brief funding call.
Competitive factor rates are determined by your overall business profile, risk score, existing positions, and deal size. Net of financing proceeds of 30–50% is required depending on risk level.
We love: Restaurants, Medical, Law Offices, Manufacturing. We also actively fund: Home Care, Construction, Courier/Delivery, Consulting, Landscaping, and many more. Restricted: Check Cashing, Financial Services, Online Gambling. Restricted states: New York, California Sole Proprietors (can fund CA as long as it's not sole prop).
HomeGuidelines
Strategic Partner Guide
UNDERWRITING
GUIDELINES

Aspire Funding Platform Merchant Cash Advance parameters, eligibility criteria, required documentation, and industry guidance.

All information subject to change and is for guideline purposes only. Contact info@aspirefundingplatform.com with questions.

Funding Parameters
MCA Parameters
CategoryDetails
Funding Amount$10,000 – $1,000,000
Funding Parameters (Term)3 – 12 months
Factor Rate RangeCompetitive rates — determined by your profile
RemittanceDaily or Weekly
Net of Financing Proceeds30% – 50% net required depending on risk level
Positions Funded1st through 6th for most industries
ConsolidationLimited — based on risk score. Can pay off up to two positions.
Eligibility
Eligibility Guidelines
CategoryCriteria
Owner FICO Score≥ 500
Time In Business≥ 9 months
Annual Revenue≥ $100,000
Avg. Monthly Deposits≥ 3 revenue deposits per month
Avg. Daily Balance≥ $1,000
Max NSFs per Month6
BankruptciesMust be closed
Tax Liens≤ $100,000 OR must be on a payment plan
Sole Proprietor RestrictionCalifornia (can fund in CA as long as it's not a sole prop). New York: restricted.
Restricted States✕ New York  ✕ California Sole Prop.
Industry Guide
Industries We Love
✓Restaurants
Full-service, fast casual, food service — consistent revenue profile
✓Medical
Healthcare practices, clinics, medical offices — strong fundamentals
✓Law Offices
Legal practices, attorneys — predictable revenue streams
✓Manufacturing
Production facilities, fabricators — asset-backed operations
Prefer Payment History With
Auto Sales Trucking Solar Roofing
Restricted
Restricted Industries
✕ Check Cashing
All check cashing businesses — not eligible for funding
✕ Financial Services
Other financial service providers — not eligible for funding
✕ Online Gambling
All online gambling operations — not eligible for funding
Documentation
Required for Underwriting
3 Months Bank Statements
Most recent 3 months of complete business bank statements
Signed Application
Completed, signed, and dated application with approved credit authorization
Existing Positions
Outstanding balance, associated funder, and daily/weekly debit amount of any cash advances
Documentation
Required for Funding
Proof of EIN + Ownership
Valid EIN documentation and proof of business ownership
Voided Check + Driver's License
Voided business check and valid (non-expired) government-issued ID
Signed Receivables Purchase Agreement
Signed RPA — the core agreement governing the advance
Bank Login (Plaid) + Funding Call
Plaid bank verification and brief funding call to confirm terms
Additional Stips (if requested)
A/R Reports, CC Statements, Real Estate Schedule, WIP Report, Prior Year or YTD Financials, Form 8821

Questions about a specific deal or scenario? Reach out directly.

Submit an Application Email Us
HomeApply
Get Started
TWO PATHS.
ONE PLATFORM.
For Merchants
Get Funded Today

Apply in minutes. Same-day funding available. Advances from $10,000 to $1,000,000.

Drag & drop PDFs here, or click to browse
Accepted: PDF only · Max 10MB per file · Up to 3 files

Your files are encrypted and handled securely. You can also email statements to submissions@aspirefundingplatform.com

Application received! We'll contact you within 24 hours. If you uploaded bank statements they will be reviewed by our underwriting team.

For ISO Partners
Join Our ISO Network

Partner with us and earn up to 17-point commissions on funded deals. Transparent process, fast payouts, dedicated ISO support.

Application received! We'll contact you within 24 hours.

HomeISO Partners
ISO Partnership
EARN
MORE.
CLOSE MORE.

Join Aspire's ISO network — one of the most competitive commission structures in MCA, backed by a veteran team and full deal transparency.

17 PTS
Maximum Commission on Funded Deals
Commission Payout
Same Day
Deal Transparency
100%
Positions
1st – 6th
Max Advance
$1,000,000
ISO Benefits
Why Partner With Aspire
Up to 17-Point Commissions
Among the highest in the MCA industry. Dynamic structure scales with volume — the more you close, the more you earn.
Fast Funding = Fast Payouts
We fund fast, so your commission lands fast. No waiting for month-end settlement cycles.
Full Deal Transparency
You're notified at every step — submission received, offer issued, deal breakdown sent, merchant confirmed, funded.
Dedicated ISO Support
Real MCA veterans behind every submission. Responsive, knowledgeable, and invested in your success.
Broad Approval Spectrum
1st–6th position for most industries, flexible, competitive funding terms — advances up to $1M. Fewer deals left on the table.
Submit Deals Directly
Send submissions to submissions@aspirefundingplatform.com — fast intake, fast response, professional handling every time.
Next Step
Start Submitting

The ISO application takes under 3 minutes. Start earning on every funded deal.

Become an ISO Partner (305) 509-8608
HomeOur Team
The People Behind AFP
MEET THE TEAM
Coming Soon
Under Construction

Our team page is being built out. Check back soon — the people behind Aspire Funding Platform are worth getting to know.

Get in Touch Back to Home
HomeContact
Get in Touch
WE'RE HERE FOR YOU
Contact Info

Reach us directly — fast response guaranteed.

Address
50 Tice Blvd
Woodcliff Lake, NJ 07677
Hours
Mon–Fri, 9am–6pm ET
Send a Message

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