Fully self-serve MCA funding — no broker runaround

Apply. Get funded.
Do it yourself.

Create an account, upload your documents, and request a funding agreement — all on your own, all through your portal. Flat 2% spread, always. No hidden fees, ever.

Create free account See how it works
Our spread
Flat 2%
Always. No exceptions.
Typical broker spread
10–15 pts
And they don't tell you
Your data after a decline
Never sold
Zero exceptions
Transparent pricing

A flat 2% spread. That's the whole deal. Always flat

If a lender gives us a 1.35 buy rate, you get a 1.37. That's 2 points — our entire margin. Other brokers take that same 1.35 and sell it at 1.49, pocketing the difference without telling you. Our rates are always capped — no variable overages, no exceptions.

FinProQuo
1.37
Factor rate on a 1.35 buy rate
2 points flat. That's our margin. Nothing hidden, nothing stacked on top. We commit to this on every single deal, every time.
Save ~$12,000 vs. typical broker on $100K
Typical broker
1.49
Factor rate on the same 1.35 buy rate
14-point markup. They don't tell you what they paid. You have no idea how much they kept from you.
FinProQuo Typical MCA broker
Spread above buy rateFlat 2% — always capped10–15 pts, hidden from you
ProcessFully self-serve portalBroker-dependent, opaque
Your data after a declineNever sold or sharedOften sold to other lenders
Past funding historyFull dashboard, always accessibleNo visibility
GAAP cost-of-capital reportProvided for your accountantNot provided
Re-apply for more fundingLog in, upload docs, applyStart from scratch
How it works

The entire process is in your hands

No waiting on a broker. No back-and-forth phone calls. You control the process start to finish — and every step happens inside your portal.

1
Create your free account
Sign up in minutes at portal.finproquo.com. No credit check to create an account. Your portal is ready immediately.
Self-serve
2
Upload your documents
Upload your bank statements and business documents directly through the portal. Drag, drop, done.
Self-serve
3
Review your transparent offer
See a full breakdown — funded amount, factor rate, total payback, daily payment. Our spread is always capped at a flat 2%. No surprises.
Transparent
4
Request your funding agreement
Accept the offer and request your funding agreement right from your portal. Funds typically hit within 24–48 hours.
Self-serve
5
Need more funding later? Just log back in.
Upload updated statements and apply again — no starting from scratch. Your history, documents, and prior fundings are already there waiting for you.
Repeat-friendly
Coming back for more funding?
Log into your portal anytime to check the status of every past funding, see how far you've paid into each advance, and apply for renewal. Your complete funding history is always there — no need to call anyone.
Sign in to portal
Our commitments

Two promises we put in writing

These aren't marketing claims — they're how the platform is built.

📌
Our rates are always capped
We cap our spread at a flat 2% above the buy rate — every time, on every deal, with no exceptions. If a lender offers us a 1.35 factor rate, you receive a 1.37. We never mark up beyond that. No variable overages, no stacked fees, no surprises. You will always know exactly what FinProQuo earns on your deal before you sign anything.
🔁
Your funding history is always accessible
Once you receive funding through FinProQuo, your portal stays active permanently. Log back in anytime to see every advance you've ever taken — the funded amount, factor rate, daily payment, total payback, and exactly how far you've paid into each one. Your financial history is always yours to access and share with your accountant.
What you get

Your portal — from first application to full payoff

Every business that applies gets access to the FinProQuo portal. Track your funding, check past advances, download reports, and manage everything in one place — forever.

🔒
Your data is never sold
Even if you don't move forward, your information stays with us. We never sell applicant data to third parties — period.
📊
Full funding history — always accessible
See every advance you've ever taken through us, how much you've paid, how much remains, and the status of each funding — all in one dashboard, anytime you log in.
📄
GAAP cost-of-capital report
A ready-to-use report for your accountant. Fully GAAP-compliant, showing total cost of capital paid — downloadable anytime from your portal.
✏️
Flat 2% spread — always capped
No variable overages. No stacked fees. No surprises. The number you see is the number you pay. Our spread is capped at 2% on every deal.
Your funding dashboard — live after approval
Portal preview
Funded amount
$500,000
Total payback
$640,000
Daily payment
$2,540
Est. remaining
$634,921
Payback progress18% complete
Log in anytime to check your payback progress on every past and current funding. Download your GAAP report. Apply for renewal when you're ready. Your portal never goes away.

The cost of capital may be tax-deductible

Received $50,000 and paying back $60,000? That $10,000 difference is typically deductible as a business expense. We provide a GAAP report you can hand directly to your accountant — showing exactly what you paid across every advance.

Always consult your accountant. We provide the documentation — they confirm the deduction.