Meltzer Funding Business Loan Review 2025
Editorial Lead
Updated: November 17, 2025
Discover our top choice for small business loans and industry-leading same-day funding.
Our Perspective
Meltzer Funding
On Meltzer Funding's Website
Pros
- 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.
Cons
- 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.Rate
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.Methodology
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.
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On Meltzer Funding's Website
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