How MerchantRunway works.
A clear guided process for reviewing funding options, requirements, and provider fit.
Our approach
MerchantRunway is not a direct lender. We help business owners understand requirements and may connect applicants with third-party funding providers.
The process is designed for growing small businesses that want fast funding options, plain-English requirements, and no obligation to review available next steps.
The process
- 1
You start with a short intake
Share basic business, revenue, funding amount, timing, and contact details. Additional documents may be requested later by providers.
- 2
We review requirements
We look at revenue, time in business, industry, use of funds, existing obligations, and documentation so the next step is clearer.
- 3
You review possible options
We explain available next steps and may connect you with third-party funding providers. Availability and terms vary by provider.
- 4
You decide whether to move forward
If a provider presents an offer, review the terms carefully. There is no obligation to accept an offer, and funding is not guaranteed.
- 5
You manage repayment with the provider
Repayment structure, cost, cadence, and fees depend on the selected provider and agreement.
What we look at
Cash flow
Recent bank activity can help providers understand revenue consistency and cash-flow capacity.
Time in business
Provider requirements vary. More operating history may improve available options, but results are not guaranteed.
Industry
Industry can affect provider fit, documentation, and available terms.
What is commonly simple upfront
- Two years of tax returns
- Perfect credit
- A pitch deck for initial review
- An obligation to accept an offer
- Guaranteed funding claims
Ready to start your funding review?
Share a few details and our team will review common requirements, documents, and provider options. No obligation.
- No obligation
- Clear requirements
- Decisions made by providers
Ready to explore your funding options?
Get a clearer understanding of what providers may look for, what documents may be needed, and which funding options may fit your business.