why choose koda ?

From everyday expenses to big opportunities, business funding can be complicated. Koda Funding’s mission is to make it simple to get the capital you need, when you need it.

• no bank approval needed

• flexible repayment tied to your sales

• no credit score requirements

• cash available in 24 - 72 hours

frequently asked questions (FAQs)

Q: Is this a loan?
A: No — a Merchant Cash Advance is not a traditional loan. Instead, Koda Funding provides funding in exchange for a portion of your future credit or debit card sales. This flexible structure allows you to access capital quickly without fixed monthly payments or lengthy bank approvals.

Q: Do I need perfect credit to qualify?
A: No — approvals are based on your business revenue and performance, not personal credit.

Q: How fast can I get the funds?
A: Most businesses receive funding within 24–48 hours after approval.

Q: Are there hidden fees or penalties?
A: Absolutely not. All terms are fully transparent, with repayment tied to your daily or weekly sales.

Q: What types of businesses qualify?
A: Restaurants, retail stores, contractors, service providers, and most small businesses with consistent credit or debit card sales.

Q: How much funding can I get?
A: Funding amounts are tailored to your business’s revenue and goals, with a minimum advance of $10,000.

Q: What if a cash advance isn’t right for me?
A: We provide personalized consultation for every business. If a cash advance isn’t the best fit, we can guide you toward other financing solutions, such as a traditional bank loan or line of credit.

48 hours

average approval time

100+

businesses funded

average cash advance

$25k