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

URL: https://merchantfundexpress.com/reviews/garden-funding/
Facts checked October 15, 2026. Published by Merchant Fund Express (no affiliation with Garden Funding LLC).

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.

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

## Not published
- 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
1. Apply through the online application form linked from gardenfunding.com.
2. Send 3 months of business bank statements (4 for California businesses) plus a month-to-date statement, preferably after the 15th.
3. 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.
4. Garden passes the file to third-party providers, who make the decision.
5. California businesses must net at least $5,000 after fees.

## Questions to ask 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?

## Compare
- Garden Funding vs Merchant Fund Express: https://merchantfundexpress.com/compare/mfe-vs-garden-funding/
- Apply with MFE: https://merchantfundexpress.com/current-application.html