Meltzer Funding Business Loan Review 2024

Working Capital author
William Stern

Editorial Lead

Our Perspective

Meltzer Funding stands out in the alternative lending market, offering significant advantages for businesses in need of quick and substantial financial support. Its efficient application process and openness to various credit profiles make it a compelling choice for many businesses. While there may be some uncertainties regarding interest rates and possible additional charges, Meltzer Funding skillfully navigates the extension of further loans and debt management. It is an ideal choice for businesses with solid repayment plans in need of an immediate influx of capital, merging speed with flexibility in its financial solutions. However, potential borrowers are encouraged to carefully review all conditions to ensure Meltzer Funding fits their financial objectives and capabilities.

Meltzer Funding

Apply Now

On Meltzer Funding's Website

Apply Now

On Meltzer Funding's Website

Loan Amounts

$5,000 to $250,000

APR range

Not disclosed

Minimum Credit Score



  • Availability of term loans from $5,000 to $250,000 and lines of credit up to $100,000.
  • Rapid access to funds.
  • Relatively low minimum credit score requirement for wider accessibility.


  • Required annual revenue of at least $100,000.
  • Businesses must be in operation for a minimum of one year.

Who Meltzer Funding Is Best For

Meltzer Funding is an excellent option for both small and large enterprises, particularly for those with diverse credit backgrounds. It shines in delivering prompt financial assistance for essential business operations or investments, offering customized financial solutions that meet varied business needs.

Who Meltzer Funding Isn't Right For

Meltzer Funding may not be appropriate for businesses active in certain high-risk industries. Industries that are not eligible include automotive dealerships, financial service providers, and non-profit organizations, reflecting Meltzer Funding's risk management strategy.

What Meltzer Funding Offers

Meltzer Funding offers an extensive selection of loan products, including equipment financing, lines of credit, and Merchant Cash Advances (MCAs), among others. These financing solutions are designed to support the different needs and phases of business growth, providing flexibility in how the funds are utilized for business expenditures.

Meltzer Funding Business Loan Details

Loan durations range from 3 to 18 months for most financing solutions, aligning with industry norms. Terms for equipment financing extend from 2 to 5 years, affording adaptability for both emerging and well-established businesses. Loan amounts vary from $5,000 to $250,000, catering to a broad spectrum of business requirements.

How to Qualify for a Meltzer Funding Business Loan

For eligibility at Meltzer Funding, businesses need a minimum FICO score of 550, at least one year of operational history, and a limited number of negative ending days (NEDs) over the past six months. This inclusive approach enables a wider array of businesses to benefit from Meltzer Funding's services.

How to Apply for a Meltzer Funding Business Loan

Applying for financing with Meltzer Funding is an online process that involves the submission of business, personal, and financial information. This procedure is segmented into several clear steps, and the timeline for approval and funding can vary depending on the documentation required and any additional information needed.


The starting factor rate for loans at Meltzer Funding is 1.17, although comprehensive details are not explicitly disclosed on their website. It's crucial for businesses to fully understand all loan terms and rates to avoid unforeseen expenses.

Fine Print

Meltzer Funding's approach to providing additional loans and managing fiscal responsibilities allows it to assume a secondary lien position. Nonetheless, businesses should exercise caution to avoid accumulating debt. Additional costs, such as documentation and origination fees, are supplementary and can augment the overall loan expense. Meltzer Funding's renewal policy is designed to facilitate business growth, offering flexible options and the possibility of interest-free early repayment for qualifying clients.


The review of Meltzer Funding was comprehensive, utilizing 16 data points across various categories like loan details, costs, customer experience, eligibility, and application process. This methodical approach ensures a balanced and thorough evaluation of Meltzer Funding's services in the lending market.