Business funding, with the math shown.

When funding partners quote your file, every offer lands on one page. You see the amount, the payment schedule, and the total cost in dollars. No fee to apply, and no obligation to accept.

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Offer worksheet

Three funding structures, one page.

Figures appear after partners quote

Field

Partner A

Partner B

Partner C

Structure

Working capital advance

Term loan

Credit line

Pricing

Fixed multiplier × advance

Annualized cost, in writing

On the drawn balance

Total repayment

· one figure

· schedule

Varies with draws

Industry-typical range, educational market data, not a quote

Cadence

Daily or weekly remittance

Monthly, fixed term

Monthly on balance

Early payoff

Usually a fixed total; ask

Can reduce the cost

Illustrative comparison. Terms and approval decisions come from third-party providers. How Trident gets paid

Free tools

Run the numbers before you talk to anyone.

No account and no email required. Use them whether or not you apply.

Offer estimator

Adjust the sliders and the whole offer recomputes: total repayment, cost of capital in dollars, and the annualized cost.

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Offer comparison checklist

The six fields to ask for before you sign, in the order they matter. Print it or bring it on a phone.

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Learn hub

Plain-language guides to funding structures, remittances, personal guarantees, and the questions partners will ask.

Browse the guides

How it works

What happens after you apply.

A member of our team keeps you posted at each step, and nothing moves forward without your go-ahead.

Share the basics.

Time in business, monthly revenue, and what the capital is for. It costs nothing, and most partners want to see steady monthly revenue and time in business.

You control: what you share, and whether anything happens next.

Quotes come back in dollars.

Partners review the file and quote terms. We put each quote on one page in plain dollars and answer your questions before you decide.

You control: the questions. We answer them in plain language.

You choose your timing.

Take an offer, ask more questions, or walk away. Nothing is charged to you at any point.

You control: the decision. There is no obligation at any step.

Understand your offer

What a funding offer actually looks like.

Change the numbers and watch the estimate update: total repayment, the cost of capital in dollars, and how long it takes to pay down. Real offers come only from partner quotes, and nothing about you is collected here.

Offer anatomy · educationalIllustrative example. Not an offer, a quote, or an approval.

Funding amount

Cost multiplier 1.21xindustry center

1.21 on $50,000 means $60,500 back in total. Industry market range at this term: 1.14x to 1.47x, centered near 1.21x (public market data, Jul 2026). Not Trident pricing. Across the market, stronger files land lower in the range.

Your monthly revenue

Used only to estimate how long repayment takes. Never collected.

Share of daily sales 15%typical

Repayment method

Repay as you sell: about 15% of daily card sales. Slow day, smaller payment.

Funding amount$50,000

Cost multiplier1.21x

Cost of capital Always shown in dollars. Never hidden.$10,500

Estimated total repayment$60,500

Estimated payment About 15% of each day's card sales~$346 / selling day

Estimated term At 15% of sales; faster months finish soonerAbout 6.5 months

Estimated annualized cost Computed on the declining balance, the way loan costs are usually compared. Simple division against the full advance reads about half as high; that lower figure is how expensive money is often made to look cheap.~75% / yr

Market context · industry data, Jul 2026*

This is a typical market shape: the holdback, price, and term all sit where most advances land (the market averages about 8 months). The 1.21x price sits right at the market center for this term.

* Market data sources

KBRA, Fora Financial Asset Securitization 2024-1 (Aug 2024): weighted average factor 1.34x, 13.6 month original term, on a funded portfolio.
KBRA, KCG Securitization II Series 2026-1 (Mar 2026): weighted average factor 1.32x, 13.6 month original term.
DBRS Morningstar, BasePoint MCA Securitization 2023-1 (Dec 2023): portfolio average 1.32x; eligibility floor 1.265x.
New York Attorney General v. Yellowstone Capital (filed 2024, judgment 2025): contract holdback tables from 10 to 15 percent up to 49 percent on stacked positions.
People v. Richmond Capital Group (NY, affirmed 2026) and Fleetwood Services v. Ram Capital (2d Cir 2023): contract factors around 1.5 on short predatory terms.

Educational market data with full citations on file. Not Trident partner pricing, and not a quote.

Actual amounts and terms are set by independent funding partners and depend on your revenue, time in business, and other factors. Your offer will differ. The ranges shown are industry market data from published sources as of Jul 2026, not Trident partner pricing. Partner fees, if any, are itemized on the offer itself: ask for all of them in writing.

Shorter terms raise the annualized cost of the same multiplier. See the full explainer

Market education

The four common funding structures, explained.

A short read on each: how it is priced, how it repays, and where it fits. Availability varies by partner, file, and jurisdiction.

Working capital advance

Capital against future sales, repaid through daily or weekly remittances. Priced as a fixed multiplier of the advance, commonly about 1.1x to 1.5x across the market, with a share of sales typically 10% to 20%. Fits businesses with steady card or bank volume and a short runway. Industry figures, not a Trident quote.

Multiplier pricing
Daily or weekly

Business term loan

Fixed principal, fixed schedule, installment amortization, and a clear payoff date. Fits well-documented files and a predictable use of funds.

Annualized pricing
Monthly installments

Business line of credit

Revolving access up to a limit; the cost accrues only on what you draw. Useful for uneven expense timing, less useful for a one-time capital need.

Cost on draw
Revolving

Equipment financing

Purchase or lease equipment with the asset itself often serving as security. The term usually matches the asset's useful life.

Asset-secured
Fixed term

Our standard

How we work, and what you will never see here.

Plain answers about what we do, and a standing promise about what we will not do.

What we do

Prepares the file.
So it is reviewable in one pass, not a scavenger hunt across seven emails.
Routes the request.
To third-party funding partners appropriate to the file, not everyone in the rolodex.
Translates partner terms.
Into plain language, in dollars and cadence, with every field visible.
Lines offers up side by side.
So the comparison is a read, not a spreadsheet exercise.
Stays on the line after the offer.
Questions before you sign are why the process exists.
Shops your file without your name on it.
Funders first see a business summary with no way to reach you; your contact details move only when you tell us in writing, and that funder then handles them under its own practices.

On this site you will never see

Fake approval odds or invented funding promises.
Partners decide, on their timelines. We do not pretend otherwise.
Pressure to sign before you understand total repayment.
No countdowns, no expiring offers, no urgency theater.
A fee to apply, hidden or otherwise.
Applying, comparing, and walking away cost you nothing.
Invented volume totals or logo walls.
Every number on this site is real or clearly labeled illustrative.
Your details sold, rented, or passed around.
No marketing lists, no data brokers. Ask us to stop and we stop.

Why Trident exists

If we cannot explain a factor multiplier in the language you use to run your business, we have not finished the work.

A Trident operating principle

Straight answers

The questions owners ask first.

Is Trident a lender?

No. Trident Funding Solutions is a commercial finance broker. We organize your file, route it to third-party funding partners, and help you compare what comes back. The partners set terms and make every approval decision.

What does it cost to apply?

Nothing. Trident charges merchants no fee to apply, to compare offers, or to walk away. Trident is paid by funding partners when a match funds; the compensation disclosure explains exactly how.

Does Trident check my credit?

Trident does not run credit checks. Any credit review happens with a funding partner, and the partner tells you before it happens, so you decide whether to proceed.

What is a factor multiplier?

One number that sets your total repayment on an advance. 1.15 on $50,000 means $57,500 back in total, a $7,500 cost of capital. That 1.15 sits toward the low, well-qualified end; across the market these advances commonly run about 1.1x to 1.5x, with most sold deals around 1.30x to 1.40x; audited portfolio averages run about 1.33x. Those are industry figures, not a Trident quote. The estimator above shows the math and how a shorter term raises the same multiplier's annualized cost.

What happens to my information?

We review your file and use it to line up funding partners. Partners first see a business summary with none of your contact information: no name, no phone, no email. Your full file goes to a specific partner only after you tell us in writing to send it. We store your submission securely and never sell it. If documents are needed, we tell you what is needed and why before you upload anything.

Start your application whenever it suits you.

It does not obligate you to accept any offer, and the tools stay free either way. Funding partners pay Trident when a match funds; you never pay us. Documents upload over an encrypted connection, and we never sell your data.

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