X Fin Group commits its own capital to operating businesses across the United States. Underwritten in our office, wired from our account, signed by people you can call. No brokers. No syndication. No middle layer between the file and the funder.
The merchant-funding market runs on layers. Brokers passing your file along. ISOs collecting on the spread. Marketplaces routing applications to whichever shop bids fastest. Owners often discover, well after signature, that the people they spoke to weren't the ones writing the check.
X Fin Group underwrites and funds from its own balance sheet. Each file moves through one underwriter, one decision, one wire. The terms you read at intake are the terms you sign — and the terms we honor.
Direct · In-House · End to EndFill out the application and upload your last few months of business bank statements. Five minutes of your time. No hard credit pull. No obligation. No chase.
Our underwriters read the file in-house and respond with a clear offer — usually the same day. Cost, schedule, and structure are on the page before any signature.
Sign the agreement and the wire moves from our balance sheet to yours. Most files clear inside twenty-four hours of approval.
Five-minute application. Same-day decision. Wire posting in twenty-four.
Start an ApplicationApplication to wire — what working with a direct funder actually looks like, and the four working principles we hold ourselves to on every file.
No two operations breathe at the same rhythm. We read your deposit cadence, your seasonality, and your runway before drafting a structure — then we draft the structure to fit. The template never decides the file.
Each file written for the operation, not against a script.
Files arrive on our underwriters' desks the day they come in. Most receive a response within hours — not after a syndication meeting, not after the file gets shopped, not next week.
Most files clear from approval to wire inside twenty-four hours.
The factor rate, the total payback, and the schedule sit on the page before any signature. No back-end deductions at funding. No surprise debits later. The number you read at intake is the number we honor.
Pricing is written once, signed once, held once.
From the first call through the last debit, the file stays with the people who wrote it. No call-center handoff. No rotating reps. No introduction to a stranger after the wire clears.
A direct line — to the people who know the file.
The strongest capital relationships are written so both sides win — because we only get repaid when the operation succeeds.
X Fin Group was formed on a plain conviction: business owners deserve a funder with skin in the deal — not a forwarder collecting a margin between two strangers.
Five-minute application. Same-day decision. Pricing on the page from day one.
Start an ApplicationEach program below answers a different operating reality. We name the fit and the misfit on every one — because the wrong structure costs more than no capital at all.
Draw against pledged assets, repay, draw again. The lowest-cost direct structure we underwrite — designed for businesses with collateral and clean credit history.
Lower-frequency debits paired with reduced factor rates. Built for operations with predictable monthly revenue and credit profiles strong enough to step out of daily payment cycles.
Payments scale with your top line — heavier in strong months, lighter in slow ones. Built to absorb the natural rhythm of cyclical operations.
Roll multiple active positions into one manageable schedule. Cut the daily drain, raise your approval ceiling, and create the runway to grow into longer-term capital.
Direct revenue-based advance keyed to daily or weekly deposits. The fastest line we write — typically twenty-four hours from approval to wire.
Our underwriters review your application, identify the structure that fits your file, and put real options in front of you. If we're not the right fit, you'll hear it from us straight — no runaround, no pressure.
FICO is one signal in the file. Revenue, deposit pattern, and existing exposure each carry weight of their own. Below: an honest map of how the desk reads each profile.
The strongest position. Consistent deposits unlock the lowest pricing the desk offers.
Strong deposit patterns offset credit gaps. Underwriting weights cash flow heavily here.
The desk structures conservatively here — only what your deposits can carry. We pass on files that don't make sense.
The starting point for every file. We typically structure between 75% and 150% of monthly deposits depending on tier and program.
How often the money lands counts as much as how much. Steady daily deposits read healthier than sporadic large ones.
Days closing in the red are a real flag. More than five to seven a month sharply reduces both options and ceiling.
Active advances cap what the desk will write. Heavy stacking is the quickest way to limit options and raise risk.
Personal credit shapes program access and pricing — but strong revenue and deposit patterns can offset lower scores.
The maximum we'll write given everything combined. We calculate this before structuring — so you're never over-leveraged on day one.
No sales script. No sleight of hand. Below: what working with a direct funder actually looks like, in the words we'd use across a desk.
A short application opens the file. The underwriters read it in-house and most operations receive a same-day response.
How we collect, use, and protect your information.
Your privacy is important to us. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you visit our website ("Site") or use our services. By using our Site and services, you consent to the practices described in this Privacy Policy.
"SMS consent is not shared with third parties for marketing purposes. No mobile opt-in data is shared."
We may collect both personally identifiable information ("PII") and non-personally identifiable information ("Non-PII") from you when you interact with our Site or use our services.
PII may include but is not limited to your name, email address, postal address, phone number, and any other information you voluntarily provide to us.
Non-PII may include technical information such as your IP address, browser type, device information, and website usage data.
We use the information we collect for various purposes, including:
We do not sell your information you provide to us under any circumstance.
We implement reasonable security measures to protect your information from unauthorized access, disclosure, alteration, or destruction. However, no method of transmission over the internet or electronic storage is entirely secure, and we cannot guarantee absolute security.
We may use third-party services to collect, monitor, and analyze data on our behalf, such as website analytics tools. These third parties may have their privacy policies governing the use of the information they collect.
Our Site may use cookies and similar technologies to enhance your experience, analyze usage patterns, and personalize content. You can manage your cookie preferences through your browser settings.
Our Site may contain links to other websites that are not operated by us. We are not responsible for the privacy practices of those sites, and we encourage you to review their respective privacy policies.
Our services are not intended for children under the age of 13. We do not knowingly collect or solicit personal information from anyone under 13. If you are under 13, please do not use our services or provide any information on our Site.
We may update this Privacy Policy from time to time. The revised policy will be posted on this page with the "Last Updated" date. We recommend checking this page periodically for any changes. Your continued use of the Site or services after any modifications will signify your acceptance of the updated Privacy Policy.
X Fin Group LLC
[TODO: address]
Email: info@xfingroup.com
Please read these terms carefully before using our services.
Welcome to X Fin Group LLC. These Terms and Conditions govern your use of our website and services. By accessing and using our website, you agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, you must not use our website.
(a) You must be at least 18 years old to use our website and services. By using our website, you confirm that you are at least 18 years old.
(b) You may not use our website for any illegal or unauthorized purposes. You agree to comply with all applicable laws and regulations.
(c) We reserve the right to modify, suspend, or discontinue any part of our website, services, or content without prior notice.
(d) Your use of any information or materials on this website is entirely at your own risk, for which we shall not be liable.
(a) All content on this website, including but not limited to text, graphics, logos, images, videos, and software, is the property of X Fin Group LLC and is protected by copyright and other intellectual property laws.
(b) You may not reproduce, distribute, modify, transmit, or use any part of our website's content without our prior written consent.
(a) Our Privacy Policy outlines how we collect, use, and protect your personal information. By using our website, you consent to our Privacy Policy.
(b) We do not share or sell your personal information to third parties.
(a) The information provided on our website is for general informational purposes only. We make no warranties or representations about the accuracy, completeness, or reliability of the content.
(b) We are not responsible for any damages or losses resulting from the use of our website or any information provided therein.
Our website may contain links to third-party websites. We do not endorse or have any control over the content or practices of these websites. Your use of third-party websites is at your own risk.
To the extent permitted by law, X Fin Group LLC shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from or in any way related to your use of our website or services.
You agree to indemnify and hold harmless X Fin Group LLC, its members, managers, officers, employees, and affiliates, from any claims, losses, damages, liabilities, costs, or expenses (including legal fees) arising out of your use of our website or violation of these Terms and Conditions.
These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of [TODO: state]. Any disputes arising from or related to these terms shall be subject to the exclusive jurisdiction of the courts in that State.
We reserve the right to update or modify these Terms and Conditions at any time without prior notice. Your continued use of our website following the posting of any changes constitutes your acceptance of such changes.
If you have any questions or concerns about these Terms and Conditions, please contact us at info@xfingroup.com.
Welcome to X Fin Group LLC. By accessing or using our services, including receiving SMS communications, you agree to comply with and be bound by these Terms and Conditions. If you do not agree with these terms, please do not engage with our services.
We collect a single consent for SMS communications, through one dedicated checkbox on our website form:
This consent applies only to X Fin Group and only to customer care and account-related messages. We do not send marketing or promotional text messages, and we do not collect consent for them. Consent is entirely optional and is not a condition of any purchase. Information obtained as part of the SMS consent process will not be shared with third parties.
Customer care (informational) messages — sent only if you checked the customer care consent box:
Example message: “X Fin Group: We received your request. Our team is reviewing it and will follow up within one business day. Reply STOP to opt out, HELP for help.”
We send no marketing, promotional, or solicitation messages of any kind, and we never message anyone who has not applied through our own form and opted in.
You may opt in to customer care SMS messages by checking the SMS consent checkbox on our website form. The checkbox is unchecked by default and is not required in order to submit the form.
Last Updated: 08 / 05 / 2026
You should know exactly what you're paying before any signature. Below: a clean breakdown of the products the desk underwrites — and what we don't do.
X Fin Group funds revenue-based and merchant cash advance products from its own balance sheet. We don't broker SBA loans, we don't refer files to bank lenders, and we don't shop your application to third parties. If your operation needs a bank product, your bank is the right call — not us.