| Takeaway | Details |
|---|---|
| 💼 What Fintegra Is | An alternative financing company offering sales-based financing (MCAs) to small businesses through a fast, secure online process. |
| ⚡ Fast Funding | Same-day approvals are typical, and funds are deposited within 24 hours after acceptance. |
| 💳 Flexible Repayment | Payments are based on a percentage of future revenue, with debits made daily or weekly from the business bank account. |
| 📊 Funding Amounts | Offers between $10,000 and $250,000 in working capital. |
| 🧾 Qualifications | Requires at least $10,000/month in revenue and a business bank account; only a soft credit pull to apply. |
| 🔍 Pros | Simple digital process, no collateral, transparent communication, strong customer service, and excellent online reviews. |
| ⚠️ Cons | Only one funding product, no published rates, potentially high MCA costs, and daily/weekly payments may strain cash flow. |
| ⭐ UCS Rating | 3.8 out of 5 — solid MCA option with great reviews but limited product offerings and lower funding amounts. |
Alternative business financing options have become increasingly important for small business owners seeking fast access to working capital. Many small businesses are frustrated with traditional lenders, especially when immediate cash-flow needs arise. Fintech platforms have helped fill this gap by offering streamlined online small business loan applications, faster decisions, and more flexible solutions to keep operations running smoothly.
Fintegra is one such alternative financing company. With a highly secure online application, a data-driven approval process, and fast business funding, the company aims to support small businesses when traditional banks cannot meet their needs. But as with any small business financing option, it’s essential for business owners to carefully evaluate the terms, costs, and long-term impact on their business’s cash flow.
In this review, we explore how Fintegra works, including the available options, pros and cons, and the application process, to help you decide if it meets your needs. Specifically, we’ll answer these questions and more:
Fintegra is an alternative financing company that provides sales-based financing solutions to small businesses across the US. The company was established to make business funding more accessible, especially for owners frustrated with traditional lenders’ slow, arduous processes. It aims to provide an easier business financing experience than conventional banks.
Fintegra positions itself as a fast, secure, and transparent funding partner that uses financial technology to help business owners access working capital when they need it most. It claims to prioritize the needs of small businesses over its own financial gain.
Fintegra is headquartered in King of Prussia, Pennsylvania, and its services are available to small businesses nationwide. The company also describes itself as a mobile technology company, citing its automated underwriting platform and digital tools. It remains involved in industry organizations, such as the Pennsylvania Bankers Association and Northeast Pennsylvania Financial Corporation.
Fintegra’s name combines ‘fintech’ with ‘integrity’ to reflect its mission and values. This is meant to represent its commitment to ethical practices and transparency in financial dealings. The company markets itself as a funding partner that supports small businesses, tailors funding options, and builds trust-based relationships with each customer.
Fintegra was founded in 2014. Its leadership team has a long and distinguished resume in finance, lending, and technology, with professional experience that includes backgrounds connected to institutions such as Harvard University, George Washington University, James Madison University, the Federal Reserve, the American Bankers Association, Fox Chase Bancorp, Swiss Re America, and Advanced Mobile.
Fintegra’s team members have held roles including managing partner, vice chair, board member, former board member, and past chairman across various organizations. This background supports the company’s mission of offering an ethical funding process that prioritizes transparency.
Fintegra offers a sales-based financing product, which is the company’s term for a merchant cash advance (MCA). This type of funding provides an upfront lump sum in exchange for a percentage of future revenue, unlike other business loans. This structure is not considered a loan, and therefore it isn’t regulated the same way a conventional business financing loan would be.
Fintegra offers funding amounts ranging from $10,000 to $250,000 for its business cash advance. These amounts are intended for business owners who need to stabilize cash flow, purchase business inventory, cover payroll, invest in marketing, or resolve short-term financial challenges.
Fintegra does not offer tiered plans or pricing structures; instead, it focuses on merchant cash advances as its primary working capital solution. The company does not publicly publish its factor rates, terms, or additional cost structures.
As with most merchant cash advance companies, rates are calculated using a factor rate instead of an interest rate. Repayment is processed via daily or weekly debits from the business’s bank account. Approval for funding typically occurs on the same day the application is submitted, and many companies receive up-front cash shortly after approval.
Fintegra does not publish a complete list of qualification criteria, but the company does state some general requirements. Businesses applying for funding must have an average monthly revenue of at least $10,000.
Applicants must operate a U.S.-based business with a business bank account and demonstrate consistent cash flow and revenue stability. It does not have a minimum business loan credit requirement. Fintegra also evaluates factors such as how long the business has been operating, industry type, and the applicant’s personal credit score.
Fintegra’s funding is structured as a merchant cash advance (MCA), which functions differently from a traditional business loan. Instead of issuing debt, an MCA involves purchasing a business’s future receivables, so it isn’t subject to standard lending laws. MCAs provide fast access to working capital but are often more expensive than conventional commercial loans.
Rather than business loan interest rates, MCAs use factor rates. The repayment amount is fixed upfront by multiplying the funding amount by a set multiplier. For example, a $50,000 advance with a 1.3 factor rate requires $65,000 in total repayment. Payments are automatically withdrawn via daily or weekly debits, which can strain cash flow, especially when revenue fluctuates.
MCAs carry risks—higher overall costs, frequent withdrawals, and the potential for a debt cycle if multiple advances are stacked. However, they also offer benefits such as rapid approvals, minimal paperwork, and accessibility for businesses that traditional lenders may decline. Business owners should review any funding agreement carefully to ensure the repayment structure aligns with their revenue patterns and to avoid costly funding mistakes.
A key differentiator for Fintegra is its Apex automated underwriting platform, which streamlines data review and accelerates approvals. Online feedback highlights Fintegra’s transparency, friendly team, ethical funding process, and simple digital experience. Customers consistently note the company’s clear communication, lack of hidden fees, and disciplined, data-driven approach.
Fintegra offers a business funding affiliate program where partners can earn commissions on funded deals. ISOs and business loan brokers can sign up on the company’s website.
Fintegra provides a straightforward, highly secure online application process that can be completed in only a few minutes, using digital tools instead of requiring physical paperwork. Fintegra’s application process does not require collateral. Once approved, funds are wired to the business’s bank account within 24 hours.
Start by completing Fintegra’s online application, where you submit personal information, business details, and bank account information through its automated portal.
Fintegra requires digital access to recent business bank statements. This helps the company review cash flow, payment history, and revenue trends.
Fintegra reviews your application using its Apex platform, which evaluates factors such as your credit report, business performance, and overall financial health. Most applicants receive a decision within the same day.
After approval, Fintegra provides a funding proposal tailored to the business’s needs and cash flow.
Once the agreement is signed, the lump sum is deposited, and repayment begins through daily or weekly debits.
After receiving funding, businesses gain access to a secure customer portal where they can review account balances, payment history, weekly debits, and upcoming obligations. Payments are automatically withdrawn through daily or weekly ACH transfers from the business checking account.
Fintegra does not charge a pre-payment penalty, and early payoff discounts may be available, though specific details are not published. Renewal options exist as well, but Fintegra does not disclose the requirements publicly. Business owners should thoroughly review the funding agreement to understand payment obligations, potential savings for early payoff, and how the final payment will be calculated.
Fintegra provides fast access to working capital through a streamlined online process that requires minimal financial documentation. The company focuses on transparency, avoiding hidden fees, and maintaining open communication throughout the funding process.
Its highly secure online application and automated underwriting process enable same-day business funding, benefiting business owners who need up-front cash quickly. Fintegra supports small businesses that may not qualify for financing from traditional banks, offering a flexible repayment structure that aligns payments with revenue.
Its customer support team is consistently described as friendly, professional, and knowledgeable. The secure customer portal also makes it convenient to monitor account activity. Fintegra’s commitment to ethical practices, the best interests of customers, and building long-term relationships sets it apart from some merchant cash advance providers.
Fintegra offers only one funding product—sales-based financing—, so businesses seeking a wider range of financing options or lower-cost traditional business loans may need to look elsewhere. This type of short-term business funding does not support long-term business goals.
The company does not publish its rates, fees, or repayment terms, making it difficult for applicants to determine the cost before applying. Daily or weekly debits may strain a business’s cash flow, particularly those with fluctuating revenue. Additionally, the maximum funding amount of $250,000 is lower than that of many other MCA providers, limiting flexibility for mid-sized companies or businesses that need more funding.
Pros
Cons
Yes, Fintegra is a legitimate business financing company. It complies with industry standards and has a robust digital infrastructure that protects customer data. The company has a public business profile, established leadership team, and verifiable headquarters in Pennsylvania.
Fintegra is accredited by the Better Business Bureau (BBB) and holds an A+ rating. Its online presence, customer reviews, and reputation in the alternative financing space further confirm its legitimacy.
Fintegra has a strong online reputation, with most customers highlighting the company’s professionalism, communication, and fast service. On Trustpilot, Fintegra has a 4.9 out of 5 rating, reflecting consistently positive experiences. The user experience with Fintegra is consistently positive, with many reviewers finding the company easy to work with and highly recommending their services.
Customers consistently praise Fintegra’s staff for being helpful, friendly, and professional. Reviewers highlight the ease of working with Fintegra, emphasizing the speed of loan approval and funding. Consumers felt comfortable throughout their experience with Fintegra, noting clear communication and a seamless process.
Customers appreciate the excellent customer service at Fintegra, noting that representatives are thorough and responsive and genuinely care about their business. Customers often describe Fintegra’s service as excellent and fast. Many reviewers also mention that the process of getting a loan from Fintegra was easy and efficient.
Negative reviews are rare, but some customers noted that the MCA product cost was higher than expected or that daily or weekly debits were difficult to manage during slower periods. Others wished the company offered additional funding products or clearer upfront rate information. Despite this, the overall sentiment remains overwhelmingly positive.
Fintegra may decline a funding application for various reasons, such as failure to meet minimum revenue or time-in-business thresholds. While the company accepts bad credit, recent bankruptcy or a severely low credit score could be an issue. Additionally, inconsistent cash flow or a business model not conducive to repayment may result in a denial.
If the funder denies your application, it should provide written notice explaining why. If not, or if you require more information, contact Fintegra directly.
Fortunately, small business owners have a wide range of lender options to consider if Fintegra isn’t the right fit. Many online funders and fintech platforms offer similar merchant cash advance options, including ones with much larger funding amounts (into the millions). Some alternative lenders offer more conventional debt financing products.
Working with a small business loan marketplace (like UCS) allows you to 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:
Fintegra can be a helpful solution for small business owners who need fast access to working capital and who may not qualify for financing from traditional lenders. Its secure online platform, transparent communication, and strong customer service make it appealing for businesses that need quick funding with minimal friction. Businesses with steady cash flow may find Fintegra’s structure suitable for short-term financing needs.
However, companies that need larger funding amounts, lower-cost financing, or multiple product offerings may benefit from exploring other financing options. Sales-based funding can also be costly, so any business should carefully evaluate the repayment obligations and consider long-term effects before signing an agreement.
Based on the available information, we rate Fintegra 3.8 out of 5. It’s a solid option for an MCA with excellent reviews, but it offers limited funding and lacks other business financing options.
Disclaimer: The Fintegra trademark is owned by Fintegra LLC, and its use herein is for reference purposes only, and it does not indicate sponsorship or endorsement from Fintegra LLC.
