About Dosh Funding

Healthcare, construction, retail, and service businesses come to us when they need capital without runarounds, and payment setups that match how they actually collect money — in the field, online, and at the counter. We are not a one-size-fits-all platform. We work a smaller number of files more carefully, because a merchant account boarded wrong or a funding structure that does not fit the business creates problems that are hard to unwind.

Dosh Funding is independently owned and operated. No outside investors, no private equity backing, no shareholders to report to. The people making decisions here answer to clients, not a fund with a quarterly target.

Our background is in payment processing and small business lending — not corporate finance or investment banking. We have been in the rooms where merchant accounts get declined, where funding structures get mispriced, and where operators are handed a product that looked right on paper but created problems six months later. That shapes how we run files.

We keep our client book smaller by design. That is the only way to know the business behind the application, not just the numbers on the page.

Banks underwrite to their own risk model and move on their own timeline. Traditional brokers often shop your file broadly and disappear after funding. We sit closer to the middle: we know which programs fit which business types, we tell you honestly when something is not a match, and we stay involved through implementation — not just the close.

Most conversations start with a short intake — business type, monthly revenue, what you are trying to solve. From there we can usually tell you within one conversation which programs are realistic, what documentation you will need, and a rough timeline.

• Funding: working capital, MCA, term, and line products. We match structure to your cash flow cycle, not the highest advance that will get approved.
• Payments: card, ACH, ecommerce, and high-risk categories. Hardware, gateway, and MCC alignment handled end to end.
• Both: most businesses need both eventually. Running them through the same team reduces redundant paperwork and avoids the scenario where your funder and your processor give you conflicting advice.

1. Quick scope call or form review. We look at your situation before recommending anything. Takes under 15 minutes if you have basic numbers ready.
2. Honest program match. We tell you which options apply, which do not, and why. No pressure to move forward on a product that is not right.
3. File prep and submission. We coordinate documents, application packaging, and bank review so you are not going back and forth with multiple parties.
4. Go-live and check-in. Funding wires and payment implementations both get a follow-up once you are live to catch anything that needs adjusting.

See the Learning Center for mechanics and calculators on each program. When you are ready to put a file together, use the quick quote on the homepage or the full application in the footer — or contact us directly if you want to talk through the options first.