IRONVALE
01Ironvale Funding LLC — New Jersey

Working capital, explained like you're the one paying it back.

Ironvale is a commercial financing broker in New Jersey. We take one short application, shop it to multiple funding companies, and walk you through exactly what each offer costs — in dollars, not jargon. You pay us nothing. The funding company pays our commission, and we tell you that up front.

See your optionsFirst, how we get paid ↓
A cook prepping alone before dawn in a narrow commercial kitchen, seen from behind under fluorescent light beside worn stainless steel counters.
5:40 AM — the part of the business nobody finances.
02How it works
1

One application, fifteen minutes. Basic details about the business and recent revenue. This form alone does not trigger a credit check.

2

We shop it. Your file goes to funding companies we actually know, and we bring back real offers — usually within a business day.

3

You compare, we translate. Every offer comes with our plain-dollars breakdown of what it costs. You choose, or you walk away. Funding often lands within one to three business days of signing.

03What an advance actually costs

A merchant cash advance is a purchase of your future revenue.

Not a loan, so there's no interest rate. Instead there's a factor rate. Here's what that means with real numbers:

Worked example of merchant cash advance costs
Advance$50,000
Factor rate1.32
Total you repay$66,000
Cost of the money$16,000

Paid as a fixed daily or weekly amount drawn from the business account.

Whether that trade makes sense depends entirely on what the money earns you and how fast. If a $16,000 cost buys inventory that clears $40,000 before the payback finishes, it works. If it plugs a hole that will still be there in four months, it usually doesn't — and we'll say so.

04How we get paid

The funding company pays Ironvale a commission when a deal funds. You never pay us a fee — not to apply, not at funding, not ever. If someone brokering an advance asks you for money up front, leave.

—Who we work with
A cook working alone at a stainless steel prep station in a narrow commercial kitchen before opening.
Restaurants
An HVAC contractor's van parked at dawn with its rear doors open, ladder racks on the roof and shelves of copper fittings inside.
Trades
A car raised on a two-post lift in a repair shop with a mechanic in silhouette beneath it.
Auto
A shopkeeper's hands on an open cash register drawer beside a receipt spike and a handwritten price list.
Retail
05When this is not the right money

Sometimes the answer is no.

A car raised on a two-post lift in a repair shop, a mechanic standing beneath it in silhouette against the open bay door.
  • Consolidating existing advances you're behind on
  • Covering payroll with no revenue event coming
  • Any use where the money doesn't generate revenue before the payback ends

We turn down deals that don't make sense. It's cheaper for everyone.

06Frequently asked

Questions, answered flat.

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