Business Funding Solutions

We offer a range of funding products designed to meet your business needs. From merchant cash advances to equipment financing, we have the right solution for you.

Merchant Cash Advance

A merchant cash advance from Y Millennial Funding — a direct funder. Get a lump sum against future receivables, repaid as a share of your sales. Same-day decisions for eligible applications; credit is not the deciding factor.

Same-Day Business Funding

Same-day business funding from a direct funder. Decisions in hours and funding within 24 hours of a signed agreement for eligible applications. Revenue-based — credit is not the deciding factor.

Revenue-Based Financing

Revenue-based financing from a direct funder. Get working capital repaid as a share of your sales, so payments rise and fall with revenue. Approval based on deposits, not credit score. Same-day decisions for eligible applications.

Business Line of Credit

A business line of credit gives you revolving access to capital you draw on as needed and only pay for what you use. Learn how it works, who it fits, and how revenue-based approval can get you funded fast.

Equipment Financing

Equipment financing to acquire, upgrade, or repair the equipment your business runs on. Revenue-based approval and fast funding — get the machine working for you sooner. Same-day decisions for eligible applications.

MCA Stacking

MCA stacking means taking an additional merchant cash advance on top of an existing one. Learn how stacking works, when it makes sense, and how we evaluate 2nd through 5th position funding.

MCA Debt Relief

Struggling with multiple merchant cash advances? Learn how MCA debt relief and consolidation work — restructuring stacked advances into a more manageable payment to ease daily cash-flow strain.

Merchant Cash Advance Consolidation

Stacked with multiple MCAs? Consolidate several merchant cash advances into one lower daily payment. Direct funder, approved on revenue not credit. Not all applicants qualify.

Insurance & Medicaid Receivables Funding

Bill insurance or Medicaid and wait 30-90+ days to get paid? Bridge the reimbursement gap and cover payroll with revenue-based funding. Approved on revenue, not credit.

Hard Money Loans

Hard money loans for fix & flip, rentals, bridge, and new construction. Asset-based approval on the property and the deal — not tax returns. Close in days, not months. Programs vary by state; not all applicants qualify.

Fix & Flip Loans

Fix and flip loans covering purchase plus renovation budget in one close. Leverage based on after-repair value, draws as work completes, 6-18 month terms. First-time flippers considered. Not all applicants qualify.

DSCR Rental Loans

DSCR rental loans qualify on the property's cash flow — no tax returns, no W-2s, no DTI. 30-year terms for long-term and short-term rentals, LLC borrowers standard. Programs vary by state; not all applicants qualify.

Bridge Loans

Bridge loans for real estate investors — close on the next property before the last one sells, or buy now and refinance later. 6-24 month interest-only terms, asset-based approval. Programs vary by state; not all applicants qualify.

New Construction Loans

Ground-up construction financing for investors and small builders — land plus vertical costs, draw-based funding, 12-24 month terms. Spec builds, infill lots, build-to-rent. Programs vary by state; not all applicants qualify.

Commercial Hard Money Loans

Commercial hard money for multifamily, mixed-use, retail, office, and industrial — value-add deals, fast closings, story deals banks decline. Asset-based approval. Programs vary by state; not all applicants qualify.

MCA Reverse Consolidation

Reverse consolidation replaces multiple MCA debits with one smaller daily payment — without paying off your existing positions. Direct funder. Same-day decisions for eligible applications.

MCA Restructuring

MCA restructuring replaces unsustainable advance payments with a structure sized to your actual cash flow — consolidation, reverse consolidation, or a new position. Direct funder.

3rd Position MCA

Carrying two MCA positions and need a third? We are a direct funder specializing in 3rd position merchant cash advances for businesses doing $25K+ monthly. Same-day decisions for eligible applications.

4th & 5th Position MCA

Need a 4th or 5th MCA position? Almost no funder will look at your file — we specialize in them. Direct funder, $25K+ monthly revenue, honest routing between new capital and restructuring.

Non-Dilutive Funding

Non-dilutive funding lets you raise capital without selling equity or board seats. Revenue-based structures for software, AI, healthcare tech, and service companies doing $25K+ monthly.