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The People’s Funder®

PTP Global High Approval Rates

PTP Global No Personal Guarantee

PTP Global Bad Credit is OK

Established Business Owners:

Have $4,000 to $300,000 Available to Help Grow Your Business within 72 hours

    • Funds within 72 hours
    • $4,000 – $300,000
    • No Hidden Fees
    • Immediate Small Business Funding (no collateral)
    • Soft Credit Checks (will not impact your credit score)
    • 24 Hours / 7 Days a Week Funding Support

    What can fast and affordable business funding do for you today?

    Apply Now for Small Business Funding

    Let us help you get the business funding you need!

    The People’s Funder® specializes in providing Small Business Owners with effective business financing solutions.

    We specialize in alternative funding for business owners of medium-sized and small businesses throughout the United States, Canada, Mexico, South Africa, Czechoslovakia and Australia.

    As a Small Business Funder, we have a large selection of merchant services that are designed to help with all of your business’ needs immediately.

    Our continuous growth allows us to give personal attention to each client’s specific needs and offer creative solutions.

    The People’s Funder® provides small business funding as well as the guidance you need to keep your business thriving.

    Learn why you should apply online for our business funding solutions today!

    Highly skilled advisors, dedicated to serving you

    Yes, we provide fast, efficient Small Business Funding. But more than that, you also benefit from ongoing support from a knowledgeable advisor. Give us a call at (833) FDFUNDING; or apply online.

    HOW IT WORKS: Apply Online For a Business Funding Today

    We pride ourselves on being a global business Funder that makes business funding accessible to small businesses.

    Our process is straightforward. Whether you are based in United States, Canada, Mexico, South Africa, Czechoslovakia or Australia.

    Here’s how you can apply for business financing solutions from The People’s Funder®:

    Step 1

    Apply online in just a few minutes or call us directly at (833) FDFUNDING

    Step 2

    Our system evaluates your business and typically provides a decision in minutes

    Step 3

    Sign your contract and receive money in as fast as 72 hours

    About The People’s Funder®

    We Specialize In Alternative Funding For Business Owners Of Medium-Sized And Small Businesses Throughout The United States, Canada, Mexico, South Africa, Czechoslovakia And Australia.

    WHAT WE DO: Accessible Small Business Funding

    The People’s Funder® is committed to making financing and business growth accessible to the small businesses in United States, Canada, Mexico, South Africa, Czechoslovakia and Australia. that are consistently let down by traditional financing methods.

    We give small businesses what they really need to attain success — not an off the peg option, but a real, customized solution that works.

    We offer a spectrum of small business funding programs to meet the varying needs of new business owners. Our small business funding services are available for American, Canadian, Mexican, South African, Czechoslovakian and Australian Businesses.

    ALTERNATIVE FUNDING OPTIONS : We Work With You

    The People’s Funder® provides small businesses with effective business financing solutions by leveraging strategic partnerships, data science, cutting edge technology and in-depth consultations.

    While traditional funding providers rely on collateral or standard financial metrics when working with businesses, we do things differently. With our innovative approach to funding, we are able to provide small businesses with the tools they need to grow and expand.

    There is no one-size-fits-all solution to small business funding, which is why we work closely together with small businesses to create personalized business financing solutions. We use your future projections to create a funding package and repayment schedule that is feasible for you.

    We work closely with you to understand your needs and to make sure that they are met every step of the way. When you work with us, you can have peace of mind that:

    1. When you apply online, our process will give you a simple and direct route to the funding you need.

    2. We offer flexible terms to suit the growing needs of small businesses.

    3. We treat you like a partner, not a transaction.

    Our Values

    We know how challenging it can be for small businesses to obtain funding through traditional channels. Our alternative funding options give small business owners the chance to access the financing they need to fund, maintain and expand their business.

    We pride ourselves on being a global business Funder that makes business funding accessible to small businesses. We deliver professional business funding services with our core values in mind:

    INTEGRITY:

    We are a Funder who pride ourselves in being transparent and honest in everything that we do. We stay legally compliant and in tune with the needs of our clients.

    INNOVATION:

    We take an innovative approach to business funding in order to give our clients what they need and to provide them with a better experience.

    RESPECT:

    We treat everyone with respect. We view you as our peer and work hard to deliver compassionate business financing solutions.

    PASSION:

    We are passionate about the success of your business. We strive to provide effective small business financing services that will help you attain the goals you’ve set.

    RESULTS:

    Our track record speaks for itself. As an alternative funding company, we set realistic goals both for ourselves and our clients.

    SUPPORT:

    Our support is second to none. Whatever field you operate in, we will provide your small business with business financing solutions, and support throughout the process.

    Contact Us

    THE PEOPLE’S FUNDER®: Fast, Secure Small Business Funding

    Every small business has unique needs when it comes to business financing, which is why we offer funding solutions that are not just accessible, but flexible too.

    We’ve designed our process to provide businesses with the funding they need safely, securely and easily:

    Fast & Simple Experience: Our online application and approval processes are straightforward and highly effective. With our easy application process and fast approval rates, we make it so that you can get the funding you need, when you need it.

    Focused on Working Capital: Working capital is the financing your business needs on-demand to proceed with day to day options. We make it so that you can attain these funds within 72 hours of your approval.

    Service & Support: Our business financing services are personalized so that your business’s unique needs are met. We work with you personally to ensure you are supported at every turn.

    GET ON TRACK: Bad Credit Funding for Small Businesses

    There are countless reasons why a small business may have less-than-stellar credit, but the outcome is always the same. With bad credit, it’s harder to get approved for traditional small business funding.

    Funders and credit reporting agencies alike have different ways to define bad credit — and when left up to interpretation, poor credit rarely benefits the side of a small business owner. Even when a small-business owner has a good personal credit score, a bad credit score or limited credit history can ruin a new company’s chance of obtaining funding.

    Fortunately, alternative small business funders like The People’s Funder® can get businesses back on track by providing them with access to bad credit business funding.

    Bad credit business funding can help owners out of a jam when they need it most. After The cash obtained from bad credit business funding can kick-start your business’s growth and help get your finances back on track.

    There are various ways that small business owners can approach obtaining funding if they are struggling with bad credit:

    1: Accept a Smaller Funding Amount: If your business can get by with a smaller funding amount, consider applying for a smaller funding. The reality is that it’s easier to get approved for a smaller amount than for a larger business funding.

    2: Pledge Cash as a Down Payment: Poor credit doesn’t always mean a lack of cash. If your small business has substantial cash flow, consider pledging a down payment in cash to secure business funding.

    3: Sign a Personal Guarantee: It’s common for a business owner to have good personal credit but poor business credit. If this is you, consider signing a personal guarantee to weigh your funding on your personal ability to pay off the financing, rather than your business’s.

    4: Provide Assets or CollateralWeigh your business financing on collateral or assets like unpaid invoices or future transactions rather than your credit score.

    ALTERNATIVE SMALL BUSINESS FUNDING VS. TRADITIONAL INSTITUTIONS

    It’s hard for small businesses to attain business funding even when they have good credit. Traditional institutions set strict requirements and elongate the application process with paperwork and gruelling appointments.

    Lengthy processes and unrealistic expectations have made it increasingly hard for small businesses to get the financing they need to expand and maintain daily operations.

    Banks focus on a business’ credit and cash flow without realistic expectations of what small businesses can achieve. Fortunately, The People’s Funder® is an alternative global business Funder that prevents small businesses from having to jump through hoops to attain funding.

    With The People’s Funder®, you can apply online and receive an approval within the same day! We eliminate the waiting and the nuisance of in-person meetings. We understand that small businesses don’t necessarily have the luxury of waiting for funds when they have a timely opportunity to take advantage of.

    We specialize in alternative funding for business owners of medium-sized and small businesses throughout the United States, Canada, Mexico, South Africa, Czechoslovakia and Australia.

    BIG BANK FINANCING FIRST DOWN CREDIT CARDS GOVERNMENT
    FUNDING
    $100,000+

    $1,000 – $300,000

    Credit Based

    Credit Dependent
    PROCESS
    Long Application Credit Inspection Business Plan Industry Specific

    Prequalify Online Soft Credit Pulls Same Day Approval All Industries Accepted

    Prequalify Online Hard/Pulls 3-10 Day Approval

    Long Application Credit Inspection Business Plan Needed Industry Specific
    APPROVAL
    20-30 Days+
    Same Day
    5-21 Business Days

    30-90 Days+
    FUNDING TIME
    30-60 Days+

    36-48 Hours

    TBD / TBA

    60-90 Days+
    APPROVAL CRITERIA
    Credit Score & Collateral

    Overall Business Health

    Credit Score

    Credit Score & Collateral

    Business Funding is not a one-size-fits-all product

    Business owners have multiple small business funding options today—including business term funding and business lines of credit from The People’s Funder®.

    Depending on your business funding needs, we offer term funding from three months to three years to meet your short-term financing needs. We also offer a convenient business line of credit, if you regularly need to access working capital quickly. Access your credit line when you need it, repay the line, and use it again the next time you need quick access to working capital. And, you only pay interest on the credit you use.

    Term Funding

    Grow and invest in your business with a short-term infusion of funds for a specific project and purchases to drive your business forward

    From $4K – $300K

    Lines of Credit

    Keep your business running smoothly with reliable, revolving access to working capital to help you manage your ongoing business needs

    From $6K–$100K

    Truly Fast Small Business Funding

    In most cases, you’ll have funds in your bank account within a day or two. At The People’s Funder® we expedite your funding application as soon as its received.

    If you need quick cash then The People’s Funder® is your financing solution… you could have an answer right away and have the money in your account before a bank would even be able to review your application.

    3 reasons you should choose small business funding from The People’s Funder®

    Simple Process

    One quick application. Funds as soon as same day—all to save you time.

    Flexible Options

    Funding amounts and term lengths that are designed to meet your business needs

    Here For You

    Online doesn’t have to mean impersonal—we help you find the right solution

    ARE YOU LOOKING FOR LOAN FINANCING SERVICES?

    The People’s Funder® offers Loan Financing Services for medium-sized and small businesses throughout the United States, Canada, Mexico, South Africa, Czechoslovakia and Australia.


    APPLY NOW

    Global Small Business Funding

    Funding Provided To Small Businesses For Various Purposes By The People’s Funder®.

    What is small business funding?

    Small business funding help provide much needed cash flow to keep companies up and running. Funding provided to small businesses for various purposes by First Down Funding. This funding may have less restrictive requirements, enabling the small business to secure the funds.The People’s Funder® Small business funding help provide much needed cash flow to keep companies up and running. Funding provided to small businesses for various purposes by First Down Funding. This funding may have less restrictive requirements, enabling the small business to secure the funds.

    Small business owners no longer have to rely on traditional banks for finding small business funding. From lines of credit to invoice financing, online funders offer a variety of financing solutions at competitive working capital cost.  Alternative funders are important for small businesses looking for funding that may not have the option of being financed through a traditional bank.   The People’s Funder® is the primary source for small business funding. If your company is profitable and you have decent cash flow, but you need funds to expand, then you can contact The People’s Funder® to learn what funding options are available for your business in United States, Canada, South Africa, Mexico, Czechoslovakia or Australia.

    Get Funded Now!

    Determine your need for small business funding

    There are a few variables to consider when determining the right small business funding for your company. Think about whether a long-term or short-term funding option is best for your needs. If you just need funding to fulfill a large order or take advantage of a one-time opportunity, funding with shorter terms are probably best. If you need to purchase a piece of machinery that will last 20+ years, a long term funding is more cost effective. 

    Here are 5 reasons why your business might need a funding:

    Inventory

    Cash Flow

    Equipment

    To Improve Terms on a Larger Funding.

    Expansion.

    Probably the most obvious reason to consider small business funding is to invest in an expansion opportunity for your business.

    ARE YOU LOOKING FOR WORKING CAPITAL?

    We Help Small Businesses With Working Capital Funding For Short & Long Term Projects


    LEARN MORE

    Which business funding type fits your needs?


    Calculate a desired small business funding payment

    One of the most important things to determine before applying for small business funding is how much you can afford to pay back on a monthly basis. Don’t be too ambitious when making this calculation in order to avoid defaulting and causing damage to your credit history.

    You should determine exactly how much your business needs to borrow to achieve its goals. This should be a precise figure, not a range. Funding companies want to see that you’ve done your research and that you will spend their money in a way that will help your business thrive. They want you to succeed so they’re sure to get paid back.

    Are you credit worthy of small business funding

    CHECK YOUR CREDIT HISTORY

    To be considered creditworthy, borrowers must provide First Down Funding with adequate financial information to prove their ability to payback the funding.

    IDEAL CREDIT SCORE FOR FUNDING

    Borrowers should expect to have good credit to qualify for business funding. Funding partners build an assessment of the applicant’s character by evaluating how they handled debt in the past. 

    CREDIT SCORES BROKEN DOWN

    FICO Scores are comprised of payment history (35 percent), types of credit (10 percent), debt (30 percent), new credit (10 percent), and length of credit history (15 percent). The history reveals the borrower’s ability to pay on time on their installment funding, credit cards, finance company accounts, and mortgages. Potential show stoppers include bankruptcies, excessive credit inquiries, liens, foreclosures, lawsuits, and judgements.

    How to prepare for small business funding:

    Here are five steps to help you qualify for a small-business funding.

    1. Build credit scores.
    2. Know the The People’s Funder® qualifications and requirements.
    3. Gather financial and legal documents.
    4. Develop a strong business plan.
    5. Provide collateral.

    The People’s Funder® is Funding United States, Canada, South Africa, Mexico, Czechoslovakia and Australia.

    What The People’s Funder® is looking for

    FINANCIAL BACKING

    The ability to pay back the funding based on collateral, financial reserves, and assets.

    GOOD BUSINESS HISTORY

    The borrower’s successful past performance in business (for a new business)

    CASH FLOW

    The borrower’s existing cash flow (for an existing business)

    Small Business Funding Terms to Know

    Having a clear understanding of these terms is critical to making sure that you find an affordable and appropriate small business funding for your needs.

    Merchant

    A Business, Entity, Sole Proprietorship (individual) and/or Corporation that receives funds from a funder in exchange & promise to sell back their receivables to that said funder for a specified amount, specified percentage & estimated turnaround (term) upon agreed terms through a Purchase Schedule, Purchase Agreement and/or Sale or Purchase of Future Receivables.

    Funder

    An institution and/or individual that temporarily offers funds to a merchant with the expectation of purchasing back that said merchant’s receivables over a specified percentage & estimated turnaround (term).

    Principal

     The lump sum of funds provided by the funder to the merchant.

    Total Cost of Working Capital

    The amount or difference between the Purchase Price (funding offer) made by the funder, and the total Purchased Receivables in exchange by the merchant to the funder in order to receive the initial funding offer.

    Purchase Schedule

    Periodic repayments (Payment Schedule) made by the merchant to the funder to satisfy the original Purchase Agreement.

    Term/period

    The total length of time (estimated turnaround) that passes between when funds are provided to the merchant by the funder and when the total purchased receivables has been satisfied in full by the merchant to the funder.

    Collateral

    Valuable asset or piece of property offered by the merchant as a means of securing or guaranteeing payment on a funding. In the event that a funding is not paid in full, the funder can seize the promised collateral as a means of payment.

    Cost of Working Capital

    The absolute cost of working capital, expressed as a specified percentage, that is put into place by the funder to the merchant.

    Factor

    An alternative means of expressing the total cost of the difference between the Purchased Receivables and Purchase Price. Also called a factor rate, this expression of true cost is most often used with all types of Small Business Funding products.

    Alternative Funding For Small Business Owners

    We Specialize In Alternative Funding For Business Owners Of Medium-Sized And Small Businesses Throughout The United States, Canada, Mexico, South Africa, Czechoslovakia And Australia.

    What is Alternative Funding?

    American business owner, specially small businesses are having trouble getting financing to meet their funding needs. Alternative funding are available in those cases.

    Alternative funders, cater directly to small business owners and can consider often-overlooked (by banks, primarily) sources of collateral, like real estate, future revenues, or outstanding client invoices to secure the funding.

    Alternative funders are usually more flexible than larger financial institutions on funding repayments (many offer flexible schedules, for example) and often green light funding approvals much faster than banks, often getting business owners within 24-48 hours of the funding application. With speed, convenience and flexibility as selling points, alternative funding are among the fastest-growing financial tools for small businesses available today.

    How to Get Started

    Alternative funding might be the right option for your company in these type of situations:

    Starting your business

    Expanding your business

    Purchasing Inventory

    Strengthening your business

    In each of these cases, you should have a clear understanding of your business goals, how the money will be used, and the terms for each of your funding possibilities.

    Types of Alternative Funding

    Online funding

    Primarily, there are two types of online funding that show major signs of stability and growth—peer-to-peer funding and online platform-based business funding.

    Peer-to-Peer (P2P)

    Peer-to-peer funding rolled out in 2005, as a solution to a vexing problem for business borrowers: “Where can I get a funding if a bank won’t give me one?” A decade later, P2P has really hit its stride, with funding industry analysts estimating the market will grow to $350 billion by 2025. 

    Online Platform-Based Business Funding (OPB)

    Online Platform-based Business funding, or “OPB” is defined as funding to businesses that provide a lump sum amount in exchange for a share of future transactions/sales. Much like the structure associated with venture capital deals, the upfront money does come with financial strings attached that go beyond simply paying off a funding—OPB funders want a cut of a company’s futures revenues, too.  The analytical firm Research and Markets calls OPB funding “a purchase and sale of future income” that primarily aims at businesses “having strong credit card sales like retail, restaurant and service industry.”

    Merchant Cash Advance

    For business owners who can’t get a traditional funding, and who may have less than stellar credit, a merchant cash advance is another route to alternative financing. MCA’s are not a funding. Instead, this form of funding is deemed as the sale of a company’s future credit sales at a discount. A merchant cash advance provider gives you an upfront sum of cash in exchange for a slice of your future sales. Instead of making one fixed payment every month from a bank account over a set repayment period, with a merchant cash advance you make daily or weekly payments, plus fees, until the advance is paid in full. The good news for borrowers is credit can be approved quickly, without volume-heavy paperwork associated with traditional bank small business funding.

    Factoring

    Factoring is a source of finance for small businesses. In other words, a cash-strapped business, unable to get desperately needed funds, sells off its invoices, that are called account receivables, to a third party and in exchange, gets the much needed cash. Small business factoring is cited by many industry observers as the “smart alternative” to bank funding. Just like merchant cash advances, factoring can be a viable option for small business owners as factoring financing approvals aren’t based on the business owner’s credit health, but on the company’s clients’ credit health. Factor financing is also good for small firms facing a cash-flow crunch or slow-paying clients. 

    Invoice factoring can provide immediate working capital to help cover a funding gap caused by slow-paying customers. Improved cash flow: You can keep loyal customers on longer payment terms but still improve your cash flow to help you grow your business. Instead of waiting 30-to-60 days to get paid by customers, small business owners get access to cash within 48 hours, by opting for the factoring route. The size of the factoring market is in the billions, although much of those assets are tied to specific industries, like trucking, retail, construction, and health care.

    Crowdfunding

    Crowdfunding is a way for people, businesses and charities to raise money. It works through individuals or organizations who invest in (or donate to) crowdfunding projects in return for a potential profit or reward. With crowdfunding, business owners shouldn’t expect big chunks of money coming via crowdfunding – the average “donation” is only $88. But if you get enough donations of $50, $100, or $150, the funds can add up. Donors who give are passionate about the business idea and want to see it get off the ground for myriad reasons. But with some platforms, if the crowdfunding campaign doesn’t reach a predetermined financial goal, all bets are off, and the monies are returned to the original donors, a result that about 50% of crowdfunding participants experience.

    The most successful crowdfunding timelines are between 30 and 39 days. Any less, and you’re not reaching maximum asset volume potential. Any more, and you’re risking oversaturating the market and running, fairly or unfairly, a stale funding campaign. Kickstarter (almost $2 billion raised since 2009) and Indiegogo (over $500 billion) are two popular crowdfunding sites used by entrepreneurs

    Revenue-Based Funding

    What if small business owners could raise capital by promising investors a future, set percentage of revenues? That’s the promise behind revenue-based funding. Basically, revenue-based financing (RBF) is a hybrid financing method that fills a need in the growth capital market for companies with approximately $1 to $10 million in revenue and a proven plan for growth.

    Small Business Credit Cards

    A credit card is a fast and easy way to get capital, and most funders have cards specifically geared toward small businesses. Unlike other forms of financing, credit cards usually come with a points or rewards system of some kind, and you may be able to leverage that to help your business even further. Small business credit cards have higher working capital cost and have credit limits

    Which Alternative Funding Option Seems Right for You?

    In general, the funding option you select depends on where you stand on the small business spectrum. If you’re just opening a new company, you probably won’t qualify for a big chunk of money from any funder, traditional or alternative. But for $25,000 or even $50,000, a peer-to-peer funding option could make the most sense.

    Conversely, if your business is up and running, and has a good track record of revenue performance, a merchant funding platform would likely meet your needs. If you’re experiencing slow payment cycles from clients and customers, then a factoring or revenue-based deal makes good sense.

    Below is the complete set of rights embraced by the Responsible Business Funding Coalition—use it to shape your best choice for small business funding options:

    The Right to Transparent Pricing and Terms

    Including a right to see an annualized cost of capital and all fees

    Limited The Right to Non-Abusive Products

    So borrowers don’t get trapped in a vicious cycle of expensive re-borrowing

    The Right to Responsible Underwriting

    So borrowers are not placed in funding they are unable to repay

    The Right to Fair Treatment from Brokers

    So borrowers are not steered into the most expensive funding

    The Right to Inclusive Credit Access

    Without discrimination

    The Right to Fair Collection Practices

    To prevent harassment and unfair treatment.

    Why Alternative Funding vs Traditional Funding

    Here are some business funding facts:

    • A small business typically cannot get a traditional bank funding if it has been in business for less than 2 years or is asking for less than $250,000. — 
    • Between 2008 and 2013, the value of small business funding had fallen 12% from $327 billion to $289 billion. — 
    • Another disturbing number on the traditional small business funding front—50% of small businesses that applied for financing didn’t get it in the first half of 2014. That’s up from 47% in 2013. — CNBC

    But where banks see risk, other financing platforms see opportunity. This is where alternative financing is an option when other options do not fit your business needs or funding approval criteria.

    A “Game Changer” in Small Business Funding

    Alternative funding has emerged as a large player in the financial market due to technological advancements online and inelastic operations of traditional banking institutions.

    Banks may be too late in saving their small business customers, many of which are turning to a new financing source—alternative Funders.

    While figures for such a new industry vary (alternative funding launched in 2005, economists say), the market is conventionally valued at $600 billion by the end of 2020.

    While the past 10 years have demonstrated tremendous growth in the alternative funding market, the next decade should show higher growth. Alternative funding is on an upward path, and that’s welcome news to businesses looking for a different path to company financing.

    Alternative funding Growth by 2020

    PEER -TO -PEER

    $400 BILLION

    ONLINE PATFORM BUSINESS funding

    171% GROWTH YEAR-OVER-YEAR

    A New Period of Growth

    Three Quick Facts:

    As of last year, there are an estimated 1,300 companies in the alternative funding space competing for approximately 1% of the total funding market.

    Foundation Capital estimates the size of the global non-bank funding market to grow to $1 trillion by 2025.

    The peer-to-peer funding market, alone, is expected to reach $350 billion by 2025.

    The peer-to-peer funding market will grow to $400 billion by 2020

    Build Your Business Credit Now

    Even when seeking alternative funding over traditional, you still may need to have strong business credit. It’s important to remember that any credit history takes time and planning.

    As your business grows, and you maintain your profile, your business credit will grow too. After you’ve built up a robust and beaming business credit file, you may be able to get traditional funding as well.

    • Check your credit report.
    • Pay your bills on time.
    • Decrease your credit utilization ratio.
    • Establish credit accounts with suppliers
    • Add positive payment experiences to your credit file.
    • Dispute any errors and inquiries.
    • “Pay for delete” with collections

    A New Era in the Business Funding Sector

    Alternative funding represents a legitimate game changer for small businesses frustrated with traditional bank financing options.

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