Business Financing, Clearly Explained
Know exactly what you'll repay — before you commit.
Haven is a broker, not a lender. We connect eligible businesses with third-party funding providers, explain how available offers work and show you the relevant costs before you decide.
- Timing explained up front
- Once we have your bank statements, we tell you what to expect. Timing depends on the funding provider and isn't guaranteed; more documents may be needed.
- One Haven contact
- We speak with you before sharing your information with selected funding providers.
- Full terms before you sign
- If an offer doesn't work for you, you don't have to accept it.
Tell us about your business
Share a few details. We'll review them and contact you to explain what may be available. Submitting this form is not an approval or an offer of financing.
- Broker, not a lender
- No upfront broker fee
- Terms shown before signing
Currently accepting applications from Florida-based businesses. Funding products and availability are subject to provider requirements.
How it works
Three steps. You can stop at any of them.
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Step 1
You tell us where you stand
A few quick questions, then a short call. Bank statements are the starting point; additional documents or verification may be required depending on the provider and offer.
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Step 2
We bring back what may be available
We take your file to funding providers and come back with any offers they make. We walk you through how each one is priced, how the payments work and what the total comes to.
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Step 3
You decide, or you don't
You see the full terms before anything is signed. If an available offer does not work for you, you are not required to accept it.
We don't chase. No countdowns, no expiring offers, no calling you six times in a week.
If the timing isn't right, tell us and we'll close your file.
What it costs
A factor rate is not an interest rate. Here's the difference.
Most of the confusion about this product comes from one thing: people read a factor rate as if it were an APR. It isn't — and the difference costs business owners money.
For every $10,000 advanced at a factor rate of 1.30, the total repayment amount is $13,000.
This is a simplified educational example only. It is not an offer, quote, estimate or indication of the terms that may be available to a particular business. Additional provider fees or deductions may apply and will be disclosed before signing.
A factor rate is a multiplier
A factor rate is a multiplier used to calculate the total payback. The total payback is generally established when the agreement is signed. Any early-payment discount, adjustment or reconciliation right depends on the specific provider and agreement.
Does paying early reduce the total?
Not necessarily. Some agreements may offer an early-payment discount, while others may not. Review the specific agreement before accepting an offer.
Ask any broker to show you the total dollar figure, not just the rate. If they won't, that tells you something.
Seven questions to ask about any offer
- What is the total repayment amount?
- What is the expected payment frequency?
- Is the payment variable or scheduled?
- Are reconciliation or adjustment rights available?
- What fees or deductions apply?
- What net amount will reach the business account?
- Does the agreement include an early-payment benefit?
Ask us the same seven. Whoever won't answer them in writing isn't the one to work with.
Straight answers
The questions most brokers get vague about.
How does Haven get paid?
Haven does not charge an upfront application fee. Haven may receive compensation from a funding provider if a transaction closes. That compensation may be reflected in how the provider prices the transaction.
Before you sign, review the amount provided, the amount expected to reach your account, any deductions, and the total amount to be paid — together with the payment structure.
What happens if my sales drop?
Payment structure depends on the funding provider. Some offers use a percentage of receivables, while others may use scheduled ACH payments with applicable reconciliation or adjustment terms.
We explain the payment structure, the total repayment amount and the available adjustment process before you sign — so you know exactly what a slow week means for your account before it happens, not after.
What if I already have an advance?
Tell us in the form. It changes which funding providers will look at your file and on what terms — sometimes significantly.
We ask before we send anything out. Disclosing an existing advance early helps us avoid delays and identify which options may actually be available.
What happens after I submit the form?
One person calls you to go over where you stand. Submitting the form is not an approval or an offer of financing — it's the start of a conversation.
If it makes sense to continue, we'll ask for three months of bank statements and take your file to funding providers. If it doesn't, we'll say so, close your file, and that's the end of it.
Which states do you work with?
Currently accepting applications from Florida-based businesses. Funding products and availability are subject to provider requirements.
Are you a lender?
No. Haven is a broker. We don't hold the money and we don't set the terms — the funding provider does both. What we do is get your file in front of them, explain what comes back, and tell you when we think it's a bad deal.
A merchant cash advance is generally structured as the purchase of a portion of future receivables rather than as a loan. The provider's agreement sets the actual terms, and we show it to you before you sign.
Understand the next step before you decide.
Tell us about your business. We'll review the information and contact you to discuss what may be available.
Request a conversationHaven is a broker, not a lender. Submitting an inquiry is not an approval or an offer of financing. Approval, pricing and terms are determined by the funding provider.