A Family-Run Funder · Brooklyn, NY

Capital from a balance sheet
that has our name on it.

Juniors Family is a direct funder of merchant cash advances and revenue-based financing. We write every check from our own capital — the same way we'd write one for a cousin's business. No brokers in the middle. No syndication waiting room. No surprise fees at signing.

Apply Now See How It Works
Same-day decisions · Funded within 24 hours · In-house from start to payoff

Our Standard

A check we'd sign for our own.

Most funders measure a file in basis points. We measure it the way the family measures everything else — would this structure work for a business we cared about?

"If the deal doesn't make sense for the operator, it doesn't make sense for us. We don't write checks we wouldn't want signed for ourselves."
The Juniors Family Underwriting Desk · Brooklyn, NY

Direct vs. Layered

What changes when the funder is on the other side of the table.

Brokered Funding

Files passed through middlemen. Pricing padded with referral spreads you only see on the final agreement.

Juniors Family

We underwrite and wire from our own capital. The price you're quoted is the price you sign.

Call Center Support

A new voice every time you call. Nobody who actually knows your file or its structure.

Juniors Family

One team from the application through the final payment. The same name answers the phone every time.

Syndicated Decisions

Approvals stall waiting on outside investors. Days lost while everyone's still "reviewing."

Juniors Family

Decisions made at our desk, with our money. Most files get a same-day yes or no.

One-Size Programs

The same template handed to every business. Cash flow timing, season, industry — ignored.

Juniors Family

Each file structured around the operation's actual deposit pattern. We bend to your numbers, not the other way around.

JF
FAMILY OWNED
BROOKLYN · NY

The Family Behind It

Three generations. One ledger.

Juniors Family was built the way most lasting things in Brooklyn were built — at a kitchen table, with people who'd carry the consequences. The first capital we ever deployed went to operators we knew personally. Fifteen years later, we still treat every file like one of those.

We're not a fund. We're not a marketplace. We're a direct funder — a family balance sheet underwriting commercial capital, in-house, with no investors to please and no broker network to feed. The check that funds your business comes out of the same account we'd cut a check for a cousin's shop.

That's why the pricing is honest, the decisions are fast, and the people who said yes still answer the phone six months later. We're not interested in moving paper. We're interested in being a capital partner you actually want to talk to.

Need capital? Talk to the family.

Five-minute application. Same-day decision. Wire from our balance sheet to yours within 24 hours of signing.

Start Your Application

Our Approach

From application to wire — every step on one page.

No black box. No mystery underwriting. Here's exactly how a Juniors Family file moves from a first conversation to capital in your operating account.

01Day One

You apply — in five minutes.

Send a short application and your last three months of business bank statements. That's the whole start. No hard credit pull, no document chase, no upfront fees. The file lands directly on our underwriting desk — not a call center, not a forwarder, not a partner network.

5 minutesNo hard pullNo application fees
02Same Day

We underwrite — in-house, with our own capital.

Our underwriters read the full file: deposit pattern, seasonality, existing positions, industry context, runway. We don't run files through an algorithm and call it a day. The same family that owns the balance sheet signs off on the structure we put in front of you.

Real underwritersDirect capitalNo syndication
03Same Day

You see the offer — every dollar, every date.

Factor rate, total payback, payment schedule, term length. All of it sits in front of you before any signature. If the structure doesn't fit your operation, we say so — and we offer an alternative or refer you elsewhere. If we can't fund it well, we won't fund it at all.

Full disclosureNo back-end feesWritten agreement
04Within 24 Hours

We wire — from our account to yours.

Sign the agreement and the wire goes out the next business day, typically same-day. Capital lands directly in your operating account. The same team that approved you stays on your file for renewals, restructures, questions — whatever the operation needs going forward.

24-hour wireOne account teamDirect line, always

What We Stand For

Four standards we don't bend on.

These aren't talking points. They're the reasons our oldest accounts have been renewing with us for over a decade.

01

Pricing on the page

Factor rate, total payback, and full schedule disclosed before you sign. Nothing pulled at funding. Nothing hidden in addenda.

02

Decisions, not delays

Most files get a same-day yes or no. We don't sit on applications. We don't shop them. We make the call.

03

One team, end to end

The people who underwrote your file are the same ones answering the phone six months later. No rotating reps, no hand-offs.

04

Honest no's

If the file shouldn't fund — we say so. If a different structure would serve you better — we tell you. We'd rather pass than write a deal that hurts an operator.

Ready to look at real numbers?

Apply in five minutes. Same-day decision. Pricing you can read on the first page of the agreement.

Start Your Application

Capital Programs

Five structures, one balance sheet.

Every program below is funded directly by Juniors Family. Each has a clear fit — and a clear misfit. We name both, on day one.

We're a direct funder of merchant cash advances and revenue-based financing. We don't broker SBA loans, we don't refer to bank lenders, and we don't shop your application to outside investors. If a bank product is what you actually need, your bank is the right call — and we'll say so.

Short-Term · Speed

Working Capital Advance

The fastest line we write. A direct revenue-based advance keyed to your daily or weekly deposit pattern. Typical timeline: applied Monday, funded Tuesday. Built for opportunity windows, seasonal stocking, and immediate operational needs.

Best Fit
  • Time-sensitive needs
  • Inventory or stocking
  • Strong daily deposits
  • Short payback comfort
Reconsider If
  • Already heavily stacked
  • Cash flow is constrained
Stability · 12–36 Months

Monthly Payment Program

Lower-frequency debits and reduced factor rates for operations that don't need a daily cycle. The graduation path for businesses with strong credit and predictable monthly cash flow.

Best Fit
  • 650+ FICO
  • Monthly billing cycle
  • Established history
  • Graduating from daily debits
Reconsider If
  • Frequent negative days
  • Multiple stacked positions
Flexibility · Ongoing

Revenue-Based Financing

Payments scale with what comes through the door — heavier in strong months, lighter in slow ones. Built to absorb the natural rhythm of seasonal, project-based, or cyclical operations.

Best Fit
  • Seasonal revenue
  • Service or project businesses
  • Uneven deposit pattern
  • Growth-stage operations
Reconsider If
  • Revenue trending down
  • Sub-six months operating
Relief · Strategic

Consolidation & Restructure

Roll multiple active advances into one cleaner schedule. Cut the daily drain, restore cash flow, and create the runway to graduate into longer-term, lower-cost programs over time.

Best Fit
  • Two or more open positions
  • Daily debits crushing flow
  • Building toward stability
Reconsider If
  • Steep revenue decline
  • Active defaults or UCC liens
Long-Term · Revolving

Asset-Backed Revolving Line

Draw against pledged assets, repay, draw again. The lowest-cost structure we write — designed for established operations with collateral and a clean credit history.

Best Fit
  • 680+ FICO
  • Equipment or real estate to pledge
  • Recurring capital needs
  • Multi-year history
Reconsider If
  • Limited unencumbered assets
  • Short operating history
Quick Need · 3–9 Months

Bridge Capital

A short, structured advance that bridges a known receivable, a contract close, or a near-term liquidity event. We size to the bridge — not to the maximum we could write.

Best Fit
  • Defined liquidity event
  • Known payback source
  • Short, contained need
Reconsider If
  • Payback source is speculative
  • You need long-term capital
JF

We'll match your file to the right program — directly.

Our underwriters read your application, identify the structure that fits, 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.

Apply
Start Your Application

Qualifications

FICO is one number. The file is the whole story.

Most funders score you in 30 seconds against a single column. We read deposits, frequency, negative days, existing positions, and credit — together. Here's how that reads at every tier.

A

Tier A — Prime

680–800 FICO · Strong Revenue · Clean History
Monthly payment programs at our best in-house rates
Asset-backed revolving line available
Lowest factor rates we write
Highest approval ceilings
Pre-approved renewals for repeat operators
Our strongest position. Consistent deposits unlock the best pricing on the page.
B

Tier B — Near-Prime

600–679 FICO · Moderate Revenue
May qualify for monthly or bi-weekly structures
Factor rates starting at 1.18
Hybrid daily/weekly schedules available
Consolidation programs in scope
Strong deposits weigh heavily here
Cash flow offsets a softer credit profile. We size against your real deposit pattern, not the FICO alone.
C

Tier C — Cash-Flow Based

Below 600 FICO · Deposit-Driven Approval
Daily or weekly payment structures only
Approval tied to deposit volume and frequency
Conservative sizing — what your deposits can carry
No monthly programs at this tier
We pass on files that don't read clean
We structure carefully here. Honest no's are part of the family standard — we won't fund what we shouldn't.
Read this before applying FICO is one signal — not the whole file. Tier A starts at 680, Tier B covers 600–679, Tier C runs below 600. Final approval also reads against average monthly deposits, deposit frequency, count of negative days, and existing exposure. A 670 with poor deposits can qualify for less than a 610 with strong, consistent flow. Our underwriting reads all of it before we present a number.

The Full Read

What our underwriters actually look at.

01 · Volume

Average Monthly Deposits

The starting point for every file. We typically structure between 75% and 150% of monthly deposits depending on tier and program.

02 · Cadence

Deposit Frequency

How often the money lands counts as much as how much. Steady daily deposits read healthier than sporadic large ones.

03 · Risk Flag

Negative Days

Days closing in the red are a real flag. More than five to seven a month sharply reduces both options and ceiling.

04 · Exposure

Existing Positions

Active advances cap what we'll write. Heavy stacking is the quickest way to limit options and raise risk.

05 · Profile

FICO & Credit Profile

Personal credit shapes program access and pricing — but strong revenue and consistent deposits can absorb a softer score.

06 · Sizing

Approval Ceiling

The maximum we'll write given everything combined. We size conservatively — so you're never over-leveraged on day one.

Start Your Application

Frequently Asked

Plain answers. No fine print.

Sorted by topic — the things people actually want to know before sending bank statements to a stranger.

What makes Juniors Family different from other funders?
We're a direct funder, family-owned and operated. We underwrite and wire from our own balance sheet — no syndication, no broker layer, no outside investors deciding which files get approved. You see the same names from application through final payment, and the price we quote is the price you sign.
Are you a bank? A broker? A marketplace?
None of the above. We're a private commercial funder. We fund merchant cash advances and revenue-based financing directly from our own capital. We don't hold a banking charter, we don't broker SBA loans, and we don't shop your application to outside investors. If a bank product is what fits, we'll tell you to call your bank.
Where are you located?
Brooklyn, New York. 306 Avenue J. We're not a remote-only operation. The family that owns the balance sheet works from the same office that underwrites the files.
What kinds of businesses do you fund?
Operating businesses with consistent revenue and an active business bank account. We've funded retail, food service, trades, construction, logistics, professional services, e-commerce — anything with measurable deposits. We don't fund startups (under six months operating) or pre-revenue businesses.
What does funding cost? Are there hidden fees?
Zero hidden fees. Every cost — factor rate, total payback, payment schedule — sits in front of you before any signature. Nothing pulled at funding. Nothing buried in an addendum. See our Rates & Disclosures page for current ranges.
What's a factor rate? Is it the same as APR?
A factor rate is a flat multiplier on the advance amount. A $20,000 advance at a 1.25 factor rate means $25,000 total payback. APR doesn't apply to merchant cash advances — these are commercial purchase-of-future-receivables transactions, not loans. We disclose the factor rate, total payback, and full schedule so you can compare any way you choose.
What's your typical factor rate range?
Factor rates run roughly 1.18 to 1.49 depending on tier, program, and term. Tier A files with strong deposits and clean credit see the lowest end. Tier C files with weaker profiles run higher because the risk is higher. We quote your actual rate up front — no teaser pricing.
How long are the terms?
Short-term working capital runs 3 to 12 months. Monthly payment programs run 12 to 36 months. Revenue-based financing runs on a percentage of revenue until paid. The term that fits depends on your file — we size against your cash flow, not against a target factor rate.
What happens if revenue drops during the term?
Call us. Honestly. If revenue softens, we have restructure options — extending the schedule, reducing the payment, or refinancing the position. We'd rather work with an operator who's communicating than discover trouble through a missed debit. That's how the family does business.
What are the minimum qualifications?
Generally six months in operation, $15,000+ in monthly business revenue, and an active business bank account. FICO matters, but strong deposits absorb a soft credit profile. Apply and we'll tell you exactly where you stand within the same business day.
Will applying hurt my credit?
No. There is no hard credit pull at the application stage. We may run a soft inquiry to read the profile. A hard pull only happens with your explicit written consent — and only on programs that require it.
What if I have existing MCAs or open positions?
We work with stacked files regularly. Depending on revenue, deposits, and current exposure, we can sometimes consolidate positions into a single cleaner schedule — or write new capital alongside what's there. We'll read the full picture and give you honest options.
What documents do you need?
A short application and your last three months of business bank statements is the start. Depending on program and amount, we may ask for additional documents — voided check, ID, business formation paperwork — and we'll always say exactly what's needed and why.
Do you fund newer businesses?
We require at least six months of operating history. The deposit pattern tells us more than the calendar does, but we need at least three full months of statements to underwrite responsibly. We won't write a deal we can't see clearly.
How fast can we actually get funded?
Most files receive a same-day decision once we have a complete application and three months of statements. After signing, the wire typically lands within 24 hours. We don't sit on files and we don't shop them to outside investors.
Is the process really five minutes?
The application itself is short — basic business and contact info, the program you're interested in, and an upload field for statements. Most operators finish it in under five minutes. The underwriting on our side takes a bit longer, but it's all the same business day.
Who reads my application?
An actual underwriter at our Brooklyn office — not an algorithm and not a junior analyst at a call center. Files are reviewed by the same people who will manage your account if we fund. Family runs the desk.
What if you decline my file?
You'll get a straight answer, in writing, with the reason and (when relevant) what would change the answer. If a different funder or product makes more sense for your situation, we'll often point you in that direction. We're not interested in stringing operators along.
Who do I call after funding?
The same team that wrote your file. We don't hand accounts off after the wire clears. You'll have a direct line to the people managing your file for renewals, restructures, questions — anything at all. One number, one team, same names.
Can I pay off early?
Yes. Most of our agreements allow early payoff with a structured discount — call us for the current numbers on your file. We'll quote a payoff figure on the spot.
Can I renew or take additional capital?
Yes — and our best pricing is reserved for repeat operators. Performance on an existing file is the single strongest signal we read. Most Tier A renewals get a quote within the day.
What if I want to graduate to longer-term capital?
A clean payback on a short-term file unlocks longer programs — monthly payment programs and, eventually, asset-backed revolving credit. We map the path from where you are to where you're headed and tell you exactly what it takes to get there.

Have a question we didn't cover? Ask, and you'll get a straight answer.

Contact Us

Apply Now

Send the file. We'll do the rest.

Fill out the short application below. Our underwriters review every file the day it comes in — most get a same-day decision.

The Application

Five minutes. Then it's on our desk.

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Legal

Privacy Policy

How we collect, use, and protect the information you share with Juniors Family.

Your privacy is important to us. This Privacy Policy explains how Juniors Family ("we," "us," "our") collects, uses, discloses, and safeguards 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.

Information We Collect

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 apply for our services.

PII may include but is not limited to your name, email address, postal address, phone number, business name, bank statements you upload, and any other information you voluntarily provide.

Non-PII may include technical information such as your IP address, browser type, device information, and website usage data.

How We Use Your Information

We use the information we collect for various purposes, including:

  • Underwriting and processing your funding application
  • Communicating with you about your file and account
  • Responding to your inquiries
  • Sending customer care text messages such as follow-ups, reminders, and application status updates (only if you opt in to SMS)
  • Understanding how users interact with our Site
  • Complying with legal obligations

Sale of Data

We do not sell the information you provide to us under any circumstance.

Data Security

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.

Third-Party Services

We may use third-party services to collect, monitor, and analyze data on our behalf, such as website analytics tools and form processors. These third parties may have their own privacy policies governing the use of the information they collect.

Cookies and Similar Technologies

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.

Links to Other Websites

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.

Children's Privacy

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.

Changes to This Privacy Policy

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.

Contact Us

Juniors Family
306 Avenue J, Brooklyn, NY 11230
Email: info@juniorsfamily.com

Last Updated: 08/05/2026

Legal

Terms & Conditions

Please read these terms carefully before using our services.

1. Introduction

Welcome to Juniors Family. 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.

2. Use of 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.

3. Intellectual Property Rights

(a) All content on this website, including but not limited to text, graphics, logos, images, videos, and software, is the property of Juniors Family 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.

4. Privacy Policy

(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.

5. Disclaimer

(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.

6. Links to Third-Party Websites

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.

7. Limitation of Liability

To the extent permitted by law, Juniors Family 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.

8. Indemnification

You agree to indemnify and hold harmless Juniors Family, its officers, directors, 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.

9. Governing Law and Jurisdiction

These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of New York. Any disputes arising from or related to these terms shall be subject to the exclusive jurisdiction of the courts in that State.

10. Changes to Terms and Conditions

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.

11. Contact Us

If you have any questions or concerns about these Terms and Conditions, please contact us at info@juniorsfamily.com.

SMS Terms and Conditions

1. Introduction

Welcome to Juniors Family. 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.

2. Consent for SMS Communication

We collect a single consent for SMS communications, through one dedicated checkbox on our website application form:

  • Customer care consent — consent to receive informational and account-related text messages (follow-ups, reminders, and status updates).

This consent applies only to Juniors Family 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.

3. Types of SMS Communications

Customer care (informational) messages — sent only if you checked the customer care consent box:

  • Application follow-ups, reminders, status updates, and account servicing notifications

Example message: “Juniors Family: 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.

4. Opt-In Method

You may opt in to customer care SMS messages by checking the SMS consent checkbox on our website application form. The checkbox is unchecked by default and is not required in order to submit the form.

5. Standard Messaging Disclosures

  • Message and data rates may apply.
  • Message frequency may vary.
  • You can opt out at any time by replying “STOP.” You will receive a confirmation and no further messages.
  • To resume messages after opting out, reply “START.”
  • For assistance, reply “HELP” or contact us directly at info@juniorsfamily.com.
  • Carriers are not liable for delayed or undelivered messages.

Last Updated: 08/05/2026

Transparency

Rates & Disclosures

You should know exactly what you're paying before signing anything. Here's a clean breakdown of our products and pricing.

Direct Product

Commercial MCA / Revenue-Based Financing

Juniors Family is the funder. We underwrite and wire from our own balance sheet.

  • Factor rate range: 1.18 – 1.49
  • Example: $10,000 advance at a 1.30 factor rate = $13,000 total payback ($3,000 in total fees)
  • Term range: 3 – 36 months depending on program
  • No application fees, no origination fees, no surprise charges at signing
  • Full cost breakdown delivered before any signature
Merchant cash advances and revenue-based financing are commercial transactions, not loans. APR does not apply. These products are not subject to state consumer lending license requirements.
What We Don't Do

We're a direct funder — not a referral source.

Juniors Family funds revenue-based and merchant cash advance products from our 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.

We also don't fund pre-revenue startups, businesses under six months of operating history, or files that don't clear our underwriting standards. Honest no's are how we keep the standards intact.

Our products are commercial financing transactions, not consumer loans. We do not hold a consumer lending license and do not need one for these products.