Our story

We built a better
MCA model.

The MCA industry has a transparency problem. Brokers mark up deals by 10–15 points and never tell the business owner. We decided to build something different.

Merchant cash advances are a legitimate, valuable financing tool for small business owners who need capital fast. The problem isn't the product — it's how most brokers sell it.

A typical broker gets a buy rate of 1.35 from a lender and sells it to the business owner at 1.49. That 14-point markup on a $100,000 advance means the business owner pays $14,000 more than they need to — and they never know it happened.

On top of that, most brokers sell declined applicants' data to other lenders. Business owners get bombarded with calls after applying. There's no transparency, no dashboard, no way to track what they paid or what they owe.

FinProQuo was built to fix all of that. We cap our spread at a flat 2% above buy rate — always. We never sell applicant data. And we built a full self-serve portal so business owners can apply, get funded, track their payback, and apply again without ever needing to talk to a broker.

By the numbers

What we commit to on every deal

2%
Our maximum spread
Flat 2% above buy rate on every deal. Capped. Always. No variable overages.
0
Applicant records sold
We have never sold an applicant's data. Not one record. Not even declined applications.
24–48h
Typical funding time
From completed application to funds in your account. Fully handled through the portal.
Our principles

How we operate

01
Rates are always capped
Our spread above buy rate is capped at a flat 2% on every deal. No exceptions, no variable overages, no stacking. The offer you see in your portal is exactly what you pay — nothing hidden.
02
Your data belongs to you
We never sell, share, or transfer your business information to third parties — even if you don't move forward with funding. Your application data stays with us and is never used to generate leads for other lenders.
03
Full transparency on every deal
Every offer shows you the funded amount, factor rate, total payback, and daily payment before you sign anything. You can always see exactly what FinProQuo earns on your deal.
04
Your portal is yours forever
Once you create an account, your portal stays active permanently. Log in anytime to check the status of past fundings, see your payback progress, download GAAP reports, or apply for new funding.
05
Self-serve from start to finish
You don't need to talk to anyone to get funded. Create an account, upload documents, review your offer, and request a funding agreement — entirely through your portal, on your schedule.

Ready to get funded the right way?

Create a free account and see your estimated offer in minutes. No credit check to apply. No broker markup. No data selling.

Create free account