Direct Funder · Brooklyn, NY
MT EOM 28 LLC funds operating businesses directly from our own balance sheet. Merchant cash advances and revenue-based financing — underwritten in-house, priced transparently, and built to clear before your next reporting cycle.
The reality
Operating businesses don't run on quarterly cycles. They run on payroll dates, vendor terms, and end-of-month obligations. The capital stack should match the rhythm — not work against it.
The file goes out, then it sits. Brokers shop the same statements to twelve funders, take weeks to come back, and the offer doesn't match what was pitched.
Bank financing wants a year you don't have. Two years of returns, audited financials, a relationship manager. Useful capital, wrong timeline.
The price moves at the table. Soft offer, then a stacked-position discount, then fees that weren't in the screenshot. Nothing matches the original quote.
We're a direct funder — not a referral source, not a marketplace, not a broker dressed up in lender language. The capital comes from our balance sheet. The pricing you see is the pricing we write.
What we stand for
These aren't marketing copy. They're how every file is handled, every quote is built, and every wire is sent.
Factor rate, total payback, daily or weekly remittance, and term — all defined and disclosed before you commit. Nothing engineered to surprise you at closing.
Most files receive a same-day term sheet. Once countersigned, the wire is initiated and typically lands within one business day. The clock matters when the month is closing.
Your statements aren't shopped to a dozen funders. We read the deposits, structure to the cash flow, and either fund or pass — without your information ending up on someone else's desk.
Renewals, restructures, and second positions are handled by the people who wrote the original deal. Not a service queue. Not an offshore line. One contact, start to finish.
You see the rate, the schedule, and the total payback before signature. If something changes during underwriting, you hear it from us — not from a wire that arrived short.
We read files with existing positions, seasonal swings, and irregular deposits. The structure follows the business — not a one-size-fits-all checklist that fails the second a deal doesn't look standard.
Ready when you are
Submit three months of business bank statements and a short application. Most operations get a decision the same day.
Approach
From submission to wire, every step is engineered for clarity, speed, and predictability. Here's exactly how a file moves through MT EOM 28.
The five phases
Slide through each phase. Every step is owned by the same desk — no warm hand-offs, no internal black box.
Phase 01
Send a one-page application and the last three months of business bank statements. No hard credit pull at this stage. No long forms designed to qualify you out before we've read the file.
Phase 02
Our desk reviews deposits, debt service, existing positions, and cash-flow cadence the same day. The structure is built to fit the actual operation — not forced into a template.
Phase 03
You receive a written term sheet with factor rate, advance amount, total payback, term, and remittance schedule. Every number you need is on the page. No verbal-only quotes.
Phase 04
Countersign the term sheet and complete a brief verification call. We confirm bank routing, authorize debits, and lock the file. Nothing hidden in the small print.
Phase 05
Funds are initiated to your business account. Most operations see the wire land within one business day of countersignature. You'll have a direct contact in case anything needs to move faster.
Phase 06
The same team that wrote the file handles servicing, restructure conversations, and renewal terms when the position pays down. You're not handed off to a queue after closing.
Our commitments
Promises are easy to make in the funding business. Here are the ones we hold ourselves to on every file.
End-of-month capital should arrive before end-of-month does. Everything we built is engineered to make that happen.
Take the next step
No hard credit pull, no obligation. Three months of statements is enough to start the conversation.
Programs
We write merchant cash advances and revenue-based financing — direct from balance sheet. Pick the structure that matches your cash flow, or let us build one with you.
A direct purchase of future receivables at a fixed factor rate. Daily or weekly remittance, no compounding interest, no APR. Built for operators who need decisive, near-term liquidity without the bank timeline.
Built forRetail, hospitality, services, e-commerce, and trade operators who need to bridge a payroll, inventory cycle, vendor obligation, or end-of-month gap.
Capital advanced against measured revenue, with remittance tied to a fixed percentage of deposits. Built for businesses with strong, consistent top-line that want lighter daily drag and longer runway.
Built forEstablished operators with twelve-plus months of consistent revenue, lighter existing exposure, and capital needs above the standard MCA ceiling.
When existing MCAs are stacked tight against cash flow, we can sometimes write new capital that pays down outstanding positions and replaces them with a single, manageable schedule.
Built forOperators carrying multiple active MCAs whose combined daily debt service is choking working capital. We read the full stack and quote honestly.
Once a file pays to a defined threshold, we write the next position with priority pricing and a lighter underwriting cycle. Built for operators who use MCA as a recurring tool, not a one-time event.
Built forReturning clients with clean payment history. We honor the relationship — better pricing, faster cycle, less paperwork.
Not sure which fits?
You don't need to pick the program. Send the statements and the situation — we'll come back with the structure that actually fits.
Tiers
Every file gets sorted into one of four pricing tiers based on revenue, deposit consistency, existing debt service, and time in operation. Here's the honest map.
Tier I — Entry
1.40 – 1.49
Tier II — Standard
1.30 – 1.39
Tier III — Established
1.22 – 1.29
Tier IV — Premier
1.18 – 1.24
Baseline qualifications
Before tier placement, every operation has to clear four foundational checks. These are not deal-breakers — they're the floor.
Find your tier
No guessing, no inflated quotes. You'll get an honest tier read and the pricing that comes with it.
Common questions
If something isn't covered here, send it through the contact form. Real questions get real answers — not a sales rebuttal.
Have a question we didn't cover? Ask, and you'll get a straight answer.
Contact Us →Apply Now
Send the statements and the short application below. Our desk reviews the file and most operations receive a same-day decision.
Legal
How MT EOM 28 LLC collects, uses, and protects your information.
Your privacy matters to us. This Privacy Policy explains how MT EOM 28 LLC ("we," "our," "us") 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.
SMS consent is not shared with third parties for marketing purposes. No mobile opt-in data is shared or sold.
We may collect both personally identifiable information ("PII") and non-personally identifiable information ("Non-PII") from you when you interact with our Site, submit an application, or use our services.
PII may include but is not limited to your name, business name, email address, postal address, phone number, business banking information, and any other information you voluntarily provide to us during the application or underwriting process.
Non-PII may include technical information such as your IP address, browser type, device information, referring URL, and website usage data.
We use the information we collect for the following purposes:
We do not sell, rent, or trade the information you provide to us under any circumstance. Your application data stays between you and MT EOM 28 LLC.
We do not share your application data with third-party funders, marketplaces, or brokers. We may share limited information with service providers (such as banking verification, identity verification, or document storage providers) strictly to deliver our services. These providers are contractually bound to safeguard your data and use it only for the stated purpose.
We implement reasonable administrative, technical, and physical safeguards designed to protect your information from unauthorized access, disclosure, alteration, or destruction. However, no method of transmission over the internet or method of electronic storage is entirely secure, and we cannot guarantee absolute security.
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 we do not operate or control. We are not responsible for the privacy practices of those sites, and we encourage you to review their respective privacy policies before providing any information.
Our services are not intended for children under the age of 18. We do not knowingly collect or solicit personal information from anyone under 18. If we learn that we have collected personal information from a minor, we will delete it promptly.
Depending on your jurisdiction, you may have the right to access, correct, or request deletion of your personal information. To exercise these rights, contact us at the email address below. We will respond within a reasonable time frame.
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 reviewing this page periodically. Continued use of the Site or services after any modifications constitutes acceptance of the updated Privacy Policy.
MT EOM 28 LLC
1324 Avenue T, Brooklyn NY 11229
Email: info@mteom28.com
Last Updated: 08/05/2026
Legal
Please read these terms carefully before using our services.
Welcome to MT EOM 28 LLC. These Terms and Conditions govern your access to and use of our website and services. By accessing or using our website, you agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, please do not use our website or services.
(a) You must be at least 18 years old and authorized to act on behalf of any business entity for which you submit an application. By using our website, you confirm that you meet these requirements.
(b) You may not use our website for any illegal or unauthorized purpose. You agree to comply with all applicable laws, rules, and regulations.
(c) We reserve the right to modify, suspend, or discontinue any part of our website, services, or content at any time without prior notice.
(d) Use of any information or materials on this website is at your own risk, for which we shall not be liable.
(a) MT EOM 28 LLC is a direct funder of merchant cash advances and revenue-based financing. These are commercial transactions — the purchase of future receivables — and are not consumer loans. APR does not apply.
(b) Submission of an application does not guarantee approval or funding. All applications are subject to internal underwriting review.
(c) Final pricing, term, and structure are reflected in a written term sheet provided to you prior to signature. Once countersigned, the term sheet governs the transaction.
(a) All content on this website — including text, graphics, logos, images, design elements, and code — is the property of MT EOM 28 LLC or its licensors and is protected by copyright, trademark, and other intellectual property laws.
(b) You may not reproduce, distribute, modify, transmit, republish, or use any part of our website's content without our prior written consent.
(a) Our Privacy Policy describes how we collect, use, and protect your personal information. By using our website and services, you consent to the practices described in our Privacy Policy.
(b) We do not sell or share your personal information with third parties for marketing purposes.
(a) The information provided on our website is for general informational purposes only. We make no warranties or representations about the accuracy, completeness, currency, or reliability of any content.
(b) We are not responsible for any damages or losses resulting from your use of, or reliance on, any information provided on our website.
Our website may contain links to third-party websites. We do not endorse, control, or assume responsibility for the content or practices of any third-party websites. Your use of any third-party website is at your own risk.
To the maximum extent permitted by applicable law, MT EOM 28 LLC, its members, officers, employees, and affiliates shall not be liable for any direct, indirect, incidental, consequential, punitive, or special damages arising out of or in any way connected with your use of our website or services.
You agree to indemnify, defend, and hold harmless MT EOM 28 LLC, its members, officers, employees, and affiliates from and against any claims, losses, damages, liabilities, costs, or expenses (including reasonable attorneys' fees) arising out of your use of our website or any 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 New York, without regard to its conflict of laws principles. Any dispute arising from or relating to these terms shall be subject to the exclusive jurisdiction of the state and federal courts located in Kings County, New York.
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 those changes.
If you have any questions or concerns about these Terms and Conditions, please contact us at info@mteom28.com.
By providing your phone number and consenting to receive SMS communications from MT EOM 28 LLC, you agree to comply with and be bound by these SMS Terms and Conditions. If you do not agree, please do not opt in to receive SMS messages.
We collect a single consent for SMS communications, through one dedicated checkbox on our website application form:
This consent applies only to MT EOM 28 LLC 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: “MT EOM 28 LLC: 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 application form. The checkbox is unchecked by default and is not required in order to submit the form.
Last Updated: 08/05/2026
Transparency
You should know exactly what you're paying before you sign. Here is a clean breakdown of our products, pricing ranges, and the legal nature of these transactions.
Direct product — MT EOM 28 LLC is the funder
Direct product — MT EOM 28 LLC is the funder
We're a direct funder, not a referral source
MT EOM 28 LLC funds merchant cash advance and revenue-based financing products directly from our own balance sheet. We do not broker SBA loans, we do not refer files to outside funders, we do not shop your application to third parties, and we do not earn referral fees on files we decline. If your operation needs a bank loan or SBA product, your bank is the right place to start — not us.
Every term sheet, every file