FUNDING COMPANY REVIEW

Garden Funding LLC review: requirements, costs and what to check

Garden Funding LLC, at gardenfunding.com and based in Dania Beach, Florida, publishes clearer guidelines than most companies in this space: a revenue minimum, a time-in-business minimum, a negative-day limit and a list of restricted industries. Its terms say it is not a lender. It describes itself as a business consulting and referral service that connects owners with third-party lenders and MCA companies, and those providers make the funding decisions.

Official site: gardenfunding.com · Facts checked October 15, 2026 · Published by Merchant Fund Express

What Garden Funding offers, from its own site

One row per product, because each one has different rules. Each row links to the page it came from.

Product	Amount	Who it is for	Cost disclosed	How it is repaid	Source
Revenue-based funding (MCA)	Up to $500,000	Monthly revenue over $20,000, at least 1 year in business, no more than 6 negative bank days, not in a restricted industry.	Not published.	Flexible payments based on receivables; same- or next-day funding advertised.	Source
Business line of credit	$5,000 to $250,000	Same general guidelines.	Not published.	Weekly payments, terms up to 18 months.	Source
SBA-backed loan	$50,000 to $5,000,000	SBA program rules apply.	Described as the lowest rates available for small businesses.	Terms of 10 to 25 years.	Source

What Garden Funding does not publish

Which lender or MCA company would issue your contract. The terms say third-party providers make all funding decisions.
Factor rates, interest rates or fees for the MCA and line of credit.
Whether Garden charges a consulting or referral fee, and who pays it.
Credit score requirements. None are published.

How applying works

Apply through the online application form linked from gardenfunding.com.
Send 3 months of business bank statements (4 for California businesses) plus a month-to-date statement, preferably after the 15th.
Include business name, address, EIN, start date, owner name, SSN, date of birth and home address, with the application signed within the last 30 days.
Garden passes the file to third-party providers, who make the decision.
California businesses must net at least $5,000 after fees.

Who it fits, and who it does not

Likely a fit

An established business (1+ year, more than $20,000 a month in revenue) with clean bank statements and no more than 6 negative days.
An owner who wants to explore SBA financing as well as faster options.

Probably not a fit

Businesses in Garden's restricted list: bail bonds, pawn shops, roofing, cannabis, farming/agriculture, real estate/mortgages, non-profits, crypto, auto sales, gas stations, solar/energy and financial firms.
Companies based in Canada or Puerto Rico.
Businesses under one year old or under $20,000 a month in revenue.

Questions to ask before you sign anything

Get the answers in writing. Use them to compare any offer, from Garden Funding, from MFE or from anyone else.

Which lender or MCA company is funding this offer, and who services it?
Is there a fee to Garden Funding on top of the funder's cost?
What is the total payback in dollars, and what is the daily or weekly payment?
For an SBA loan: which bank is the lender, and what is the realistic timeline to close?
How are negative days counted on my statements?

Want a second offer to compare?

MFE arranges merchant cash advances, working capital, lines of credit, equipment financing, invoice factoring and refinancing of existing advances, from $5,000 to $5,000,000. Credit from 500 is considered.

Review My Funding Options → Compare Garden Funding with MFE

Or call (305) 384-8391. English and Spanish.

Quick answers

Is Garden Funding a direct lender?

No. Garden Funding LLC's terms say it is not a lender, loan provider or credit decision-maker. It describes itself as a business consulting and referral service, and third-party providers make the funding decisions.

What are Garden Funding's requirements?

Revenue-based funding (MCA): Monthly revenue over $20,000, at least 1 year in business, no more than 6 negative bank days, not in a restricted industry. Business line of credit: Same general guidelines. SBA-backed loan: SBA program rules apply.

What does Garden Funding not publish?

Which lender or MCA company would issue your contract. The terms say third-party providers make all funding decisions. Factor rates, interest rates or fees for the MCA and line of credit. Whether Garden charges a consulting or referral fee, and who pays it. Credit score requirements. None are published.

What should I ask Garden Funding before signing?

Which lender or MCA company is funding this offer, and who services it? Is there a fee to Garden Funding on top of the funder's cost? What is the total payback in dollars, and what is the daily or weekly payment? For an SBA loan: which bank is the lender, and what is the realistic timeline to close? How are negative days counted on my statements?

Keep reading

Garden Funding vs MFE Funding requirements by product Merchant cash advance Working capital loans All funding company reviews

About this page. Merchant Fund Express publishes this page and offers competing business funding. MFE has no affiliation with Garden Funding LLC. All facts about Garden Funding LLC come from its own public website (gardenfunding.com), checked October 15, 2026, and link to the page they came from. Where its site says nothing, this page says "not published" rather than guess. Terms change, so confirm them with the company before you sign. Garden Funding LLC and other names are trademarks of their owners. Spotted an error? Call (305) 384-8391 and we will correct it.