How We Fund: Our Partner Network
Anchorvia Financial has helped small businesses find working capital since 2017. We aren't a bank and we don't lend our own money. We work as your advocate, matching your business with funding partners whose programs fit how your business actually runs.
Why a partner network matters
Every funder has its own rules. Some want two or more years in business, some work with newer companies, and many won't fund certain industries or states at all.
Applying to the wrong funder wastes your time and can mean an unnecessary decline. We keep current underwriting guidelines from the funding partners we work with, so we can send your file where it actually fits.
How it works
- Tell us about your business. A short application covers time in business, monthly revenue, industry and what you need the capital for.
- Share recent bank statements. Most programs review the last three to four months of business bank statements.
- We match and submit. We compare your profile with our partners' guidelines and submit only where it makes sense.
- Compare your offers. If a partner makes an offer, we walk you through the amount, the total cost, the payment schedule and the term in plain language before you decide.
- Get funded. Once you accept and sign, the funding partner sends the funds directly to your business account.
What we look at
- Time in business.
- Monthly revenue and deposit history.
- Industry and state.
- Existing financing and balances.
- Credit, as one factor among several. Many revenue-based programs weigh cash flow more heavily than credit score.
Products we can help you explore
- Merchant cash advance (a purchase of future receivables, not a loan).
- Business lines of credit.
- Term-style business financing.
- Equipment and real-estate-secured options for qualifying businesses.
Availability, amounts and costs depend on the funding partner and your business. Approval is never guaranteed.
Our commitments to you
- We explain every offer in plain English, including total payback.
- We never charge you an upfront application fee.
- We protect your documents and share them only with partners you're being considered by.
- We'll tell you honestly when a product isn't a good fit.
Anchorvia Financial is a business financing broker, not a lender. All financing is subject to the funding partner's review and approval. Merchant cash advances are not loans. Information on this page is general education, not individualized financial advice.
Frequently asked questions
What is a merchant cash advance?
A merchant cash advance (MCA) is a purchase of a portion of your business's future sales or receivables. It isn't a loan. You receive funds up front, and the funder collects an agreed share of your future revenue until the purchased amount is delivered.
How fast can a small business get funded?
It depends on the funding partner and how quickly documents come in. Some partners can review a complete file within a business day, but timing is never guaranteed.
Do I need good credit to get business funding?
Not always. Many revenue-based programs focus mainly on cash flow and deposit history. Credit still matters for some products and for better pricing.
How long do I need to be in business?
Requirements vary by partner. Some programs consider businesses with a few months of history, and others require one to three years or more.
What documents do I need?
Usually a short application, recent business bank statements and a valid ID. Some programs also ask for a voided check, tax returns or proof of ownership.
Is Anchorvia a lender?
No. Anchorvia Financial is a business financing broker. We match your business with funding partners, and the partner makes the final decision.
Does applying cost anything?
No. We never charge you an upfront application fee.
Which industries do you work with?
We work with a wide range of small businesses, including restaurants, retail, salons, auto repair, contractors, healthcare and professional services. Some industries have fewer options, and we'll tell you up front.
Can I get funding if I already have an advance?
Sometimes. Some partners consider businesses with existing positions, depending on revenue, payment history and total balances.
Is my information secure?
Your documents are used only to find you funding, and they're shared only with partners reviewing your file.