Working Capital
Working Capital vs. Merchant Cash Advance: Which Fits Your Business?
A plain-language breakdown of how working capital loans and MCAs differ, when each makes sense, and how to choose with confidence.
Read article
New York · Nationwide Funding
Funding that helps your business move forward.
Fast decisions. Plain-language terms. Financing built for how businesses actually operate.
24-hour decisions No upfront fees Real people
Decisions in
24 hrs
From completed application
5,000+
Businesses Funded
$500M+
Capital Deployed
24 hrs
Avg. Decision Time
516-234-5750
Talk to a Specialist
Funding Range
$10,000 to $2,000,000.
Decisions in 24 hours.
Whether you need working capital to bridge a slow season or growth funding to scale, we size every offer to what your cash flow can comfortably support.
Minimum
$10K
Typical
$25K – $250K
Maximum
$2M+
Why businesses choose us
A more modern funding experience.
Built for speed, transparency, and real-world cash flow.
Fast decisions
A focused review that moves quickly — with clear next steps and minimal back-and-forth.
Streamlined intake • Clear follow-ups
Plain-language terms
Transparent offers and easy comparisons so you understand your options quickly.
Transparent offers • Easy comparisons
Built for real cash flow
Working capital designed around how businesses actually operate.
Real use cases • Seasonality-aware
Best-in-class support
A team that stays engaged and keeps you informed — one point of contact, quick responses.
One point of contact • Quick responses
Simple, consistent workflow
A repeatable process that stays straightforward from start to finish.
Predictable steps • Less friction
Flexible requirements
Multiple paths and a guided fit — options designed to meet your business where it is today.
Multiple paths • Guided fit
How it works
A simple, transparent path from application to funding.
01
Apply
Share your business details and requested amount.
02
Review
We confirm details and request any needed documents with a clear checklist.
03
Offer & Funding
Review terms, choose the best option, and get funded.
Built in New York
A team focused on clarity, not jargon.
Worldwide Funding Group is a Long Island-based funding team that brings structure and clarity to small business financing. We built WFG so business owners can move confidently — with transparent communication, focused document requests, and support that stays engaged from application through funding.
Clarity
Over noise. Understandable terms, straight answers.
Consistency
Over chaos. Predictable steps, clear follow-ups.
Partnership
Over transactions. Long-term fit for real cash flow.
Speed
Without sacrificing the conversation.
Industries we fund
Capital for the businesses that keep the country running.
Restaurants & Food Service
Trucking & Logistics
Construction & Contractors
Retail & E-commerce
Medical & Dental Practices
Auto Repair & Services
Professional Services
Wholesale & Distribution
ISO Partner Program
A funding desk built for brokers who close.
Submit deals to a partner that responds same-day, underwrites fast, and protects your relationship. We've designed the WFG ISO program around the things brokers actually care about: speed, transparency, and competitive splits.
- Competitive commission splits and bonus tiers
- Same-day responses on submissions
- Direct line to underwriting — no gatekeepers
- Wide credit and revenue box
- Renewals and resubmissions tracked for you
How to get started
- 1Reach outEmail admin@worldwidefundingllc.com or call 516-234-5750.
- 2Sign your ISO agreementQuick paperwork and W-9. We get you set up the same day.
- 3Submit your first dealSend the application and last 3 months of bank statements.
- 4Get paidWe handle underwriting, funding, and your commissions on schedule.
What clients say
Funding you can feel good about.
"Got a clear offer the next morning and funds in our account within two days. The team explained every line — no surprises."
Marcus R.
Restaurant Owner, Queens NY
"Worldwide Funding helped us bridge a slow season without the runaround. Real people, real answers, fast."
Jenna P.
Owner, Boutique Retail
"Best partner desk I work with. Fast underwriting, great communication, and my deals actually close."
David L.
ISO Partner
FAQ
Answers to the things business owners ask us most.
Still have a question? Call 516-234-5750 or email us — a real person responds same day.
What types of funding do you offer?+
We provide working capital, merchant cash advance (MCA), and short-term business financing tailored to small and mid-sized businesses across the U.S. Programs are matched to your revenue and cash flow.
What is the minimum and maximum funding amount?+
Our typical funding range is $10,000 to $2,000,000 per transaction, with larger amounts available for qualifying businesses. We size every offer to what your cash flow can comfortably support.
How quickly can I get funded?+
Most applicants receive a decision within 24 hours and funding within 1–3 business days after approval, depending on document turnaround and program type.
What do I need to apply?+
Business details (legal name, DBA, EIN, address), primary owner information, your last three months of business bank statements, and a signature file. That is usually enough to deliver an offer.
What is an ISO and how does the partner program work?+
An ISO (Independent Sales Organization) is a broker who refers funding deals to us. Our ISO program offers competitive commission splits, fast underwriting, white-glove deal support, and same-day responses on submissions.
Do you work with businesses that have bad credit?+
Yes. We focus on cash flow and business performance more than personal credit, so many businesses with credit challenges still qualify. We offer multiple paths designed to meet your business where it is today.
What industries do you fund?+
We fund restaurants, trucking and logistics, construction, retail and e-commerce, medical and dental practices, auto services, professional services, wholesale, and most other for-profit industries.
How does the 3-step process work?+
Step 1 — Apply: share your business details and requested amount. Step 2 — Review: we confirm details and request needed documents with a clear checklist. Step 3 — Offer & Funding: review your terms, choose the best option, and get funded.
From the WFG blog
Practical guides to small business capital.
Funding Speed
How Fast Can a Small Business Actually Get Funded?
Real timelines from application to deposit, what slows funding down, and how to be ready before you apply.
Read article
Underwriting
What Lenders Actually Look at on Your Bank Statements
The deposits, balances, and patterns underwriters review — and the simple things you can do to strengthen your file.
Read article
Cash Flow
Surviving a Slow Season: A Cash Flow Playbook
Practical strategies for restaurants, retailers, and contractors to bridge seasonality without sinking the business.
Read article
Credit
Bad Credit, Strong Revenue: Funding Options That Still Work
Why personal credit is only part of the picture, and the funding products designed for revenue-positive businesses.
Read article
Education
How to Read a Funding Offer Without Getting Burned
Factor rates, holdback percentages, term lengths — what every line actually means before you sign.
Read article
ISO Program
Becoming an ISO: A Beginner's Guide to Funding Brokerage
How the ISO model works, what it takes to start, and how to build a recurring book of funded deals.
Read article
Industry
Funding for Trucking Companies: Rates, Programs & Timing
What over-the-road and local trucking businesses should know before they finance equipment, fuel, or payroll.
Read article
Industry
5 Mistakes Restaurant Owners Make When Seeking Capital
From mixing personal and business banking to over-stacking advances — avoid the patterns that kill approvals.
Read article
Debt Strategy
When to Refinance or Consolidate Business Debt
How to tell if a refinance will actually save you money, and the questions to ask before you commit.
Read article
Get an offer you can understand