| Takeaway | Details |
|---|---|
| 🏢 What Arsenal Funding Is | An alternative financing partner offering MCAs, invoice financing, and equipment financing to small and mid-sized businesses. |
| ⚡ Fast Access to Capital | Provides quick approvals and funding, making it useful for short-term cash flow needs or urgent expenses. |
| 💳 Flexible but Non-Traditional | Products such as MCAs and invoice financing are purchases of future receivables, not traditional loans, and carry higher potential costs. |
| 🔧 Equipment Financing Option | Equipment financing may be easier to qualify for because collateral is built into the structure. |
| 🔍 Limited Transparency | The company does not publish rates, terms, or qualifications, making it difficult to compare with other lenders. |
| 🌐 Small Digital Footprint | Has only a small number of online reviews, making long-term performance difficult to verify. |
| 👍 Pros & Cons | Pros include accessibility, simple applications, and fast funding; cons include cost, limited information, and lack of transparency. |
| ⭐ UCS Rating | United Capital Source rates Arsenal Funding 2.6 out of 5 based on available information. |
Small business owners often turn to alternative business funding providers when traditional banks can’t meet their capital needs. Whether the challenge is low credit scores, inconsistent revenue, or urgent cash-flow gaps, online funding companies aim to offer a more streamlined approach to capital acquisition. Providers like Arsenal Funding position themselves as financing partners for entrepreneurs who need fast access to capital and flexible products beyond traditional commercial financing.
But just like any merchant cash advance company or non-bank lender, not all funding partners operate the same way. Transparency, terms, repayment structure, and customer experience can significantly affect whether the funds help a business manage financial issues—or create new ones. That’s why reviewing each company closely is essential before you sign any agreement or share sensitive financial information. Evaluating rates, repayment options, benefits, costs, and customer feedback can help you avoid business loan mistakes.
In this review, we’ll explore how Arsenal Funding works to help you decide if it’s right for your small business. Specifically, we’ll answer these questions and more:
Arsenal Funding is a financing partner that provides alternative funding solutions to small and mid-sized businesses across various industries. The company offers working capital products designed for business owners who need fast access to funds but may not qualify for traditional bank or commercial financial company loans. Arsenal Funding, founded by a team of seasoned professionals, positions itself as a company that helps entrepreneurs stabilize cash flow, resolve financial issues, cover bills, and manage daily operations.
The business appears to have been active for several years, with digital traces on LinkedIn, Facebook, and industry sites documenting its capital-raising activities and merchant financing. Arsenal Funding is headquartered in Hallandale Beach, Florida, though its website provides limited historical information about the founders, mission, or growth timeline.
While the company markets itself as a flexible financing partner, it publishes very few details about its products, terms, or internal processes. Much of the available information comes from external sources, funding listings, and brief descriptions on its website. Still, Arsenal Funding appears to support industries ranging from retail and construction to eCommerce, trucking, hospitality, and other sectors that rely on steady sales but may face working capital gaps.
Arsenal Funding is an alternative business funding provider specializing in non-bank commercial financing options. Instead of issuing conventional business loans, the company focuses on products tied to future receivables or business assets.
Arsenal Funding offers a range of financing options, including equipment and invoice financing. The general process appears to follow the standard MCA and specialty finance format: a business applies, provides documentation, receives an approval decision, and—if approved—gets access to funds in exchange for fixed payments or deductions.
Arsenal Funding’s website indicates the company provides multiple products, but details such as amounts, repayment frequency, and costs are not clearly stated. Below are the available types of business funding that Arsenal Funding promotes on its site and in public listings.
A merchant cash advance (MCA) from Arsenal Funding provides access to fast business capital in exchange for a portion of future receivables. MCAs are not loans—they are a purchase of future sales. Arsenal Funding can provide short-term cash advances to solve cash flow issues. This product is also called a business cash advance.
These advances are typically used for urgent expenses, inventory restocking, payroll, marketing, or other short-term business funding needs. Businesses receive money upfront, and the company collects a percentage of future sales or fixed daily/weekly payments until the agreed-upon amount is repaid. MCA payments continue until the business has satisfied the total amount owed, including the factor rate.
Arsenal Funding’s equipment financing option allows businesses to acquire or upgrade machinery, vehicles, and essential tools used in daily operations. Equipment financing is generally easier to qualify for because the equipment acts as collateral.
Industries such as manufacturing, logistics, construction, contracting, foodservice, and transportation often use this type of funding to improve productivity and maintain operations. Arsenal Funding’s website provides minimal detail on rates, term lengths, or credit requirements. However, equipment financing is typically structured as either a lease or a secured business loan secured by the financed asset.
Invoice financing—sometimes called invoice factoring—provides businesses with cash by advancing funds against outstanding customer invoices. This structure helps companies manage delayed payments, improve their cash position, and cover operating expenses while awaiting customer payments. Arsenal Funding states that it offers invoice financing, though the specifics of its program, including advance rates, fees, or reserve percentages, are not disclosed.
Arsenal Funding does not publicly disclose qualification criteria for its merchant cash advances, invoice financing, or equipment financing. Its website does not provide information regarding minimum credit scores, time in business, monthly revenue, or required financial documentation.
Based on industry norms for MCAs and similar financing structures, businesses may expect to provide bank statements, proof of sales, identification, business entity information, and other financial details. However, without published requirements, applicants must contact the company directly to determine eligibility.
Merchant cash advances and invoice factoring are not traditional debt financing. Both involve the sale of future receivables, though they are structured differently. These financing structures typically use factor rates, which are a cost added at the beginning of the funding arrangement.
Instead of lending money that the business must repay with interest, the company purchases future sales or invoices at a discount. This creates a different repayment process from conventional small business financing, in which borrowers make scheduled principal-and-interest payments.
These products can carry higher costs than bank loans, as factor rates are frequently more expensive than traditional business loan interest rates. Payments may occur daily or weekly, requiring businesses to maintain adequate cash flow to make consistent payments. While MCAs and factoring can be effective short-term funding solutions, they are typically not designed for long-term goals, such as funding business expansion, and can become expensive when used repeatedly.
At the same time, alternative financing can provide meaningful benefits, including fast business funding. Businesses with low credit scores, past issues such as bankruptcy, or limited collateral may still qualify. Applications are usually quick and straightforward, enabling business owners to receive funds promptly when financial challenges arise. Invoice financing helps companies manage slow-paying customers.
Equipment financing is generally more accessible than other types of funding because the equipment itself secures the transaction. Industries with high equipment costs—such as construction, trucking, manufacturing, and production—often rely on these products to drive growth.
However, one of the biggest challenges with Arsenal Funding is the lack of transparency. The company provides very little detail on its website regarding amounts, terms, qualifications, rates, repayment schedules, or potential fees. This can make it challenging to compare Arsenal Funding to other lenders, and the absence of program clarity may be a red flag for some business owners evaluating funding options.
Arsenal Funding maintains a limited online presence, with relatively few user reviews available across major platforms. While many reviews are positive, the small sample size makes it difficult to verify the company’s track record or consistency.
As with any merchant cash advance company or funding provider, it is essential to review third-party testimonials, verify licensing where applicable, and speak directly with a representative to ensure you are working with a reputable team that can explain all payments, terms, and costs.
Arsenal Funding offers a business loan affiliate program. Interested ISOs and business loan brokers can sign up on the company’s website.
Arsenal Funding’s application process appears to follow the standard structure used by other financing partners that offer MCAs, invoice financing, or equipment financing. The company requires interested businesses to contact them via an online form or by phone to begin the process, though the specific steps are not publicly detailed.
Below is a general outline of the small business loan application process, based on industry standards.
Business owners start by completing an online form on the Arsenal Funding website or contacting the company directly. The application usually requests basic information about the business, sales volume, industry, and capital needs.
After the initial submission, Arsenal Funding may request supporting documentation such as bank statements, invoices, equipment quotes, sales history, or other financial records. This allows the company to evaluate eligibility and determine which funding product best fits the business.
Once the company reviews the application, it may extend an approval with funding terms. These terms typically include the amount of money offered, the factor rate or repayment cost, payment frequency, and any fees. Because Arsenal Funding does not list program details online, it is vital to carefully review all documents before agreeing.
Upon accepting the offer, the business signs the agreement and receives the funds—often within 24–72 hours for products such as merchant cash advances. Equipment financing or invoice financing may take longer, depending on verification requirements.
Repayment varies by product and may involve daily or weekly ACH payments, receivables collections, or monthly payments for equipment financing. Business owners should maintain open communication with Arsenal Funding if financial challenges arise during repayment.
Arsenal Funding does not publicly disclose its repayment structures, term lengths, payment frequency, potential prepayment penalties, or renewal options. Because the company provides so little information, applicants must review every part of the agreement before accepting funds.
In general, MCAs typically require daily or weekly payments until the business has paid the total amount owed. Equipment financing generally involves fixed monthly payments, whereas invoice financing is repaid once customers pay their outstanding invoices. Some providers offer early payoff discounts or renewal programs, but Arsenal Funding’s website does not indicate whether these options are available.
Regardless of product type, it is crucial to review your contract carefully to understand your rights, costs, repayment structure, and whether prepayment can save you money. A clear understanding of these details helps businesses manage their cash flow, avoid issues with creditors, and maintain control over their finances.
Arsenal Funding provides fast access to capital for businesses that need to acquire funds quickly and do not qualify for traditional bank loans. The company offers multiple funding solutions, including MCAs, invoice financing, and equipment financing, allowing business owners to choose the structure that best fits their goals. Its streamlined approach benefits applicants who want a simple application process and rapid decisions.
Additionally, equipment financing may be attractive to industries that require machinery or vehicles because the collateral streamlines approval. Arsenal Funding’s positive reviews emphasize a supportive team and helpful customer service, which can create strong partnerships for businesses seeking a reliable financing partner.
The most significant drawback is Arsenal Funding’s lack of transparency. Essential details such as rates, repayment structure, term lengths, and qualification requirements are not disclosed online, making it difficult to compare the company to other financing partners. Merchant cash advances and invoice financing can carry high costs, and applicants cannot assess them upfront from the website alone.
Additionally, the company has a limited number of online reviews, making its performance difficult to validate. The minimal digital footprint and limited information may be concerning for business owners evaluating funding options, especially those accustomed to transparent lenders with more detailed product disclosures.
Pros:
Cons:
Yes, Arsenal Funding appears to be a legitimate business funding company. It maintains an active website, a LinkedIn profile, and other digital listings that refer to its capital transactions and operations. Industry databases and partner networks recognize the company as a merchant cash advance provider and financing partner.
While its online presence is limited and details are sparse, there is no evidence that the company is fraudulent or operating improperly. However, the limited transparency should prompt applicants to request complete documentation and ask questions before signing any agreement, ensuring they fully understand the process, repayment terms, and total costs.
Arsenal Funding has only a handful of user reviews across platforms like Google and Facebook. This makes its online reputation harder to assess than that of larger MCA companies, which have hundreds of verified testimonials.
The available reviews are generally positive, highlighting customer service, professionalism, and supportive communication from the Arsenal team. Some reviewers mention helpful experiences resolving business challenges or receiving funding quickly. These comments often focus on the company’s responsiveness during the application process.
However, the limited number of reviews also means there is little insight into potential drawbacks. Negative feedback is sparse, not necessarily because issues don’t exist, but because the sample size is too small to establish reliable trends. The lack of widespread review activity reinforces the importance of thoroughly reviewing all agreements and asking questions directly before entering into any financial transaction.
Arsenal Funding may decline an application for various reasons, including poor credit, insufficient revenue, or insufficient business history. Since the company doesn’t publish minimum qualifications, it’s difficult to determine whether you’ll qualify before applying.
If Arsenal Funding denies your application, it should provide written notice explaining the reasons. If not, or if you need more information, contact Arsenal Funding directly.
Fortunately, small business owners have many lender options to consider. Most online lenders offer similar products alongside other small-business loans. You can typically find lending options with more transparency on qualifications, amounts, rates, and terms.
Working with a small-business loan marketplace (like UCS) lets you apply to a network of lenders with a single application. You can then get guided support in choosing the best deal for your business.
You may be interested in one of the following small business loans:
Arsenal Funding provides fast capital to small and mid-sized businesses. The company offers merchant cash advances, equipment financing, and invoice financing, making it a potential solution for businesses experiencing cash flow issues, sales gaps, or urgent expenses. Industries such as construction, trucking, retail, and eCommerce may benefit from the company’s ability to deliver money quickly when bills, creditors, and operational costs put pressure on daily operations.
However, business owners who want clear and detailed program information may prefer to work with another financing partner that publishes complete product data online. The small number of reviews also makes it challenging to verify long-term client satisfaction. Ultimately, Arsenal Funding may be helpful for short-term capital needs, but applicants should review all documentation carefully and compare options before moving forward.
Based on the available information, we rate Arsenal Funding 2.6 out of 5. The company may be a viable option for short-term financing, but the lack of transparency and program details is a significant concern.
Disclaimer: The Arsenal Funding trademark is owned by Arsenal Funding LLC, and its use herein is for reference purposes only, and it does not indicate sponsorship or endorsement from Arsenal Funding LLC.
