When funding partners quote your file, every offer lands on one page. You see the amount, the payment schedule, and the total cost in dollars. No fee to apply, and no obligation to accept.
A member of our team keeps you posted at each step, and nothing moves forward without your go-ahead.
01
Share the basics.
Time in business, monthly revenue, and what the capital is for. It costs nothing, and most partners want to see steady monthly revenue and time in business.
You control: what you share, and whether anything happens next.
02
Quotes come back in dollars.
Partners review the file and quote terms. We put each quote on one page in plain dollars and answer your questions before you decide.
You control: the questions. We answer them in plain language.
03
You choose your timing.
Take an offer, ask more questions, or walk away. Nothing is charged to you at any point.
You control: the decision. There is no obligation at any step.
Understand your offer
What a funding offer actually looks like.
Pick a product, change the numbers, and watch the estimate update: total repayment, the cost of capital in dollars, and how long it takes to pay down. Real offers come only from partner quotes, and nothing about you is collected here.
Cash advance offer anatomy · educationalIllustrative example. Not an offer, a quote, or an approval.
Used only to estimate how long repayment takes. Never collected.
File strength
What typically makes a file strong: time in business, revenue stability, credit history, and any financing you already carry. Stronger files price lower in the range. Industry pattern, not a quote.
market range for this termmarket center
1.26 on $50,000 means $63,000 back in total. Industry market range at this term: 1.17x to 1.49x, centered near 1.26x (public market data, Jul 2026). Not Trident pricing. Across the market, stronger files land lower in the range. Files like this typically land between 1.21x and 1.38x at this term (industry pattern, not a quote).
Most single advances hold back 10 to 20 percent; larger businesses are quoted lighter shares. Above 30 usually means stacked advances, not one funder.
Repayment method
Repay as you sell: about 11% of daily card sales. Slow day, smaller payment.
Cost of capital Always shown in dollars. Never hidden.$01234567890123456789,012345678901234567890123456789$13,000
Estimated total repayment$01234567890123456789,012345678901234567890123456789$63,000
Estimated payment About 11% of each day's card sales~$012345678901234567890123456789/sellingday~$254 / selling day
Estimated term At 11% of sales; faster months finish soonerAbout0123456789.0123456789monthsAbout 9.5 months
Estimated annualized cost Computed on the declining balance, the way loan costs are usually compared. Simple division against the full advance reads about half as high; that lower figure is how expensive money is often made to look cheap.~01234567890123456789%/yr~65% / yr
This is a typical market shape: the holdback, price, and term all sit where most advances land (the market averages about 8 months). The 1.26x price sits right at the market center for this term.
* Market data sources
KBRA, Fora Financial Asset Securitization 2024-1 (Aug 2024): weighted average factor 1.34x, 13.6 month original term, on a funded portfolio.
KBRA, KCG Securitization II Series 2026-1 (Mar 2026): weighted average factor 1.32x, 13.6 month original term.
New York Attorney General v. Yellowstone Capital (filed 2024, judgment 2025): contract holdback tables from 10 to 15 percent up to 49 percent on stacked positions.
People v. Richmond Capital Group (NY, affirmed 2026) and Fleetwood Services v. Ram Capital (2d Cir 2023): contract factors around 1.5 on short predatory terms.
Educational market data with full citations on file. Not Trident partner pricing, and not a quote.
Actual amounts and terms are set by independent funding partners and depend on your revenue, time in business, and other factors. Your offer will differ. The ranges shown are industry market data from published sources as of Jul 2026, not Trident partner pricing. Partner fees, if any, are itemized on the offer itself: ask for all of them in writing.
A short read on each: how it is priced, how it repays, and where it fits. Availability varies by partner, file, and jurisdiction.
Working capital advance
Capital against future sales, repaid through daily or weekly remittances. Priced as a fixed multiplier of the advance, commonly about 1.1x to 1.5x across the market, with a share of sales typically 10% to 20%. Fits businesses with steady card or bank volume and a short runway. Industry figures, not a Trident quote.
Multiplier pricing Daily or weekly
Business term loan
Fixed principal, fixed schedule, installment amortization, and a clear payoff date. Fits well-documented files and a predictable use of funds.
Annualized pricing Monthly installments
Business line of credit
Revolving access up to a limit; the cost accrues only on what you draw. Useful for uneven expense timing, less useful for a one-time capital need.
Cost on draw Revolving
Equipment financing
Purchase or lease equipment with the asset itself often serving as security. The term usually matches the asset's useful life.
Asset-secured Fixed term
Our standard
How we work, and what you will never see here.
Plain answers about what we do, and a standing promise about what we will not do.
What we do
Prepares the file.
So it is reviewable in one pass, not a scavenger hunt across seven emails.
Routes the request.
To third-party funding partners appropriate to the file, not everyone in the rolodex.
Translates partner terms.
Into plain language, in dollars and cadence, with every field visible.
Lines offers up side by side.
So the comparison is a read, not a spreadsheet exercise.
Stays on the line after the offer.
Questions before you sign are why the process exists.
Shops your file without your contact details.
Funders quote from a business summary. Your email and phone number go to a funder only when you pick that funder and tell us in writing.
On this site you will never see
Fake approval odds or invented funding promises.
Partners decide, on their timelines. We do not pretend otherwise.
Pressure to sign before you understand total repayment.
We do not use countdowns or expiring offers to rush you.
A fee to apply, hidden or otherwise.
Applying, comparing, and walking away cost you nothing.
Invented volume totals or logo walls.
Every number on this site is real or clearly labeled illustrative.
Your details sold, rented, or put on a marketing list.
No marketing lists, no data brokers. Ask us to stop and we stop.
Why Trident exists
If we cannot explain a factor multiplier in the language you use to run your business, we have not finished the work.
A Trident operating principle
Straight answers
The questions owners ask first.
Is Trident a lender? +
No. Trident Funding Solutions is a commercial finance broker. We organize your file, route it to third-party funding partners, and help you compare what comes back. The partners set terms and make every approval decision.
What does it cost to apply? +
Nothing. Trident charges merchants no fee to apply, to compare offers, or to walk away. Trident is paid by funding partners when a match funds; the compensation disclosure explains exactly how.
Does Trident check my credit? +
Trident does not run credit checks. Any credit review happens with a funding partner, and the partner tells you before it happens, so you decide whether to proceed.
What is a factor multiplier? +
One number that sets your total repayment on an advance. 1.15 on $50,000 means $57,500 back in total, a $7,500 cost of capital. That 1.15 sits toward the low, well-qualified end. Across the market these advances commonly run about 1.1x to 1.5x. Most sold deals land around 1.30x to 1.40x, and audited portfolio averages run about 1.33x. Those are industry figures, not a Trident quote. The cash advance cost estimator above shows the math and how a shorter term raises the same multiplier's annualized cost.
What happens to my information? +
We review your file and use it to line up funding partners. Partners first see a business summary without your email or phone number, so questions come back through us. Your full file and contact details go to a specific partner only after you tell us in writing to send them. We store your submission securely and never sell it. If documents are needed, we tell you what is needed and why before you upload anything.
Start your application whenever it suits you.
It does not obligate you to accept any offer, and the tools stay free either way. Funding partners pay Trident when a match funds. You never pay us. Documents upload over an encrypted connection, and we never sell your data.