Legend Funding

Legend Funding is a New York-based nonbank lender serving small businesses nationwide since 2014. It offers merchant cash advances and working capital financing as a middle path between costly short-term advances and the slow approval timelines of traditional banks. Using revenue-based underwriting, Legend Funding can return approval decisions in as little as 2–3 hours — a practical option when speed matters. Financing ranges from $20,000 to $350,000, with a minimum credit score of 520, at least $25,000 in monthly revenue, and one year in business. With roughly 110 customer reviews averaging 4 stars, it carries a solid reputation among the businesses it serves. Brokers can also access deal flow through its ISO partner program. A good fit if you need fast working capital and haven't found traction with conventional lenders.