Direct Capital · In-House Underwriting

Soft landings,
certain terms.

Easy Landing LLC funds operating businesses directly from our own balance sheet — merchant cash advances and revenue-based financing with terms you can read on day one and a team that stays with you from approval to payoff.

Apply Now → Our Approach
Direct
Funder Status
Same-Day
Decisions
24 Hours
Avg. Time to Fund
Operating Principle
"What we quote on Monday is what we wire on Tuesday."
— Easy Landing Underwriting
A capital partner that returns calls and signs deals.
Most funding shops put a broker, an agent, or a syndicator between you and the money. We don't. Easy Landing reviews your file in-house, prices the deal from our own capital, and wires from our own balance sheet. One file, one team, one set of terms — start to finish.

The Layered-Capital Problem

When the money passes through three desks before it reaches yours.

Most funding offers arrive with hidden hands. Brokers shop your file to syndicators, syndicators forward it to capital sources, and by the time pricing comes back, no one in the chain can actually adjust the terms.

i.
Pricing buried in factor rates and side fees that only surface at signing.
ii.
Templated structures that ignore your industry, your seasonality, and your runway.
iii.
Rounds of intermediaries who can't speak for the actual funder.
iv.
Silence after the wire clears — no analyst on call, no team that knows your file.
The Easy Landing Position

Capital should clear your runway, not become the obstacle.

Easy Landing underwrites and funds from our own capital. Clean pricing on day one, structures shaped to your operation, and one team that knows your account from the first call through final payment. No layers. No surprises. Soft landing.

Direct. Period.

From Inquiry to Wire

Three steps. One funder.

A process built around your timeline, not a chain of handoffs. Most files travel from application to wire in under forty-eight hours.

01Apply
Send the file
A short application and three months of business bank statements. Roughly five minutes. No hard pull. No obligation. No chase.
~5 minutes
02Review
Receive a real offer
Our underwriters read the file in-house and send a written offer — usually the same day. Factor rate, total payback, full schedule, before you commit to anything.
Same-day decision
03Fund
Land the capital
Sign the agreement and the wire goes out from our balance sheet to yours. Most approved files fund within twenty-four hours of signature.
24-hour funding

Speak with the funder, not a forwarder

Talk to the desk that writes the deal.

Apply in five minutes. Receive a same-day decision. Funded within twenty-four hours of signing. No middle layer.

Start Your Application →

Our Approach

Capital structured around your operation, not the other way around.

Application to wire — here is what working with a direct funder of merchant cash advances actually looks like, step by considered step.

i.
Capital Built to Fit
No two operations have the same revenue rhythm. We map your deposit pattern, your seasonality, and your cash needs, then write a structure that respects all three. No template. No copy-paste.
Structures designed for your file — never a one-size formula.
ii.
Decisions at the Speed You Move
Files land on our underwriters' desks the same day they come in. Most receive a written decision within hours — not next week, not after a syndication call, not after a broker chases an answer.
Most approved files fund within twenty-four hours.
iii.
Pricing You Can Read
Factor rate, total payback, and the full payment schedule sit in front of you before any signature. No back-end fees pulled at funding. No surprise debits later. No quiet additions to the contract.
What we quote is what we wire — always.
iv.
One Team, End to End
From the first call to the final payment, you talk to the people who underwrote your file. No call center, no rotating reps, no hand-off after the wire clears the bank.
Direct line, real people, every conversation.

Operating Philosophy

"The strongest capital relationships work both ways. We structure files where your business wins — because we only get paid back when it does."

Easy Landing was built on a plain idea: business owners deserve a funder with skin in the deal, not a forwarder collecting a margin. When we approve your file, we are committing our own capital — which makes our incentives identical to yours.

What sets us apart

✓
Pricing on the page — never back-end fees
✓
Same-day decisions from in-house underwriters
✓
One account team from approval through payoff
✓
Structures shaped to your actual cash flow
✓
A direct line to the team that knows your file
✓
Capital from our balance sheet — not syndicated out

Ready to look at real numbers?

Apply in five minutes. Same-day decision. Pricing you can read on day one.

Begin Application →

Funding Programs

Five direct programs, structured for operating businesses.

Each program has a fit and a misfit. We name both — clearly and upfront — so you can choose the structure your operation actually needs.

Our standard: We point you to the structure that fits your file, and we say what it costs and how it works on day one. If your operation needs something we don't write, we'll tell you that too.
Phase
01
Short-Term Working Capital
Speed · 3–12 Months

A direct revenue-based advance keyed to your daily or weekly deposits. The fastest line we write — typically twenty-four hours from approval to wire. Designed for operators who need to move now and can absorb a short, predictable payback window.

Strong Fit For
  • Immediate operational needs
  • Inventory or seasonal stocking
  • Time-sensitive opportunities
  • Businesses with strong daily deposits
Consider Carefully If
  • Cash flow is already constrained
  • You are 50%+ over-leveraged
  • Revenue is trending downward
Phase
02
Revenue-Based Financing
Flexibility · Ongoing

Payments scale with your top line — heavier in strong months, lighter in slow ones. Built to absorb the natural rhythm of cyclical or seasonal operations. The schedule breathes with your revenue rather than fighting it.

Strong Fit For
  • Seasonal or cyclical revenue
  • Service-based businesses
  • Operations with uneven monthly deposits
  • Owners who want payment relief in slow months
Consider Carefully If
  • Revenue is in sustained decline
  • Deposit pattern is highly erratic
Phase
03
Monthly Payment Programs
Stability · 12–36 Months

Lower-frequency debits paired with reduced factor rates. Built for established operations with predictable monthly revenue and credit profiles strong enough to step out of daily payment cycles into something closer to a traditional schedule.

Strong Fit For
  • Established operations with 650+ FICO
  • Businesses on monthly billing cycles
  • Companies graduating from daily-debit programs
  • Owners building toward bankable financing
Consider Carefully If
  • Frequent negative-balance days
  • Stacked daily-payment positions
Phase
04
Consolidation & Restructure
Relief · Strategic

Roll multiple active positions into one manageable schedule. Cut the daily drain, raise your approval ceiling, and create runway to grow into longer-term capital. We write these conservatively — only when the math actually clears for the operator.

Strong Fit For
  • Operations with two or more active positions
  • Businesses overwhelmed by daily debits
  • Owners building toward stable, long-term financing
  • Files with strong underlying revenue
Not Always Available If
  • Steep recent revenue decline
  • Open defaults or active UCC liens
Phase
05
Asset-Backed Revolving Line
Long-Term · Revolving

Draw against pledged assets, repay, draw again. The lowest-cost direct structure we write — designed for businesses with clean credit history and collateral they can pledge. Engineered to behave like a traditional line, priced like one.

Strong Fit For
  • Businesses with 680+ FICO
  • Real estate or equipment to pledge
  • Operations ready to graduate from short-term advances
  • Owners who want flexibility to draw on demand
Consider Carefully If
  • Collateral is limited or fully encumbered
  • Credit profile shows recent open derogatories
"

We will match your file to the right program — directly.

Our underwriters read your application, identify the structure that fits your operation, and put real options in front of you with real numbers. If we are not the right fit for your file, you will hear that from us straight — no runaround, no pressure, no rerouting your application to another desk.

Submit Your Application →

Qualification Map

What direct funding looks like at every credit profile.

FICO is one number on the page. Revenue, deposit pattern, and existing positions matter just as much — sometimes more. Here is the honest map of how we read a file.

A

Tier A — Prime

680–800 FICO · Strong Revenue · Clean History
Monthly payment programs — best in-house factor rates
Asset-backed revolving credit eligibility
Lowest direct-funder pricing we offer
Highest approval ceilings
Our strongest position. Consistent deposits at this tier unlock the lowest pricing on the menu.
B

Tier B — Near-Prime

600–679 FICO · Moderate Revenue
May qualify for monthly payment structures
Factor rates starting from 1.17
Hybrid bi-weekly schedules available
Consolidation structures may apply
Strong deposits offset credit gaps. Our underwriting weights cash flow heavily here.
C

Tier C — Cash-Flow Based

Below 600 FICO · Deposit-Driven Approval
Weekly payment structures
Daily payment structures
Approval keyed to deposit volume and frequency
No monthly programs at this tier
We structure conservatively here — only what the deposits can carry. We will pass on files that don't make sense.
Important: FICO is one signal in the file — not the whole file. Tier A starts at 680, Tier B covers 600–679, Tier C runs below 600. Final approval reads against average monthly deposits, deposit frequency, count of negative days, and existing exposure. A 670 with thin deposits can qualify for less than a 610 with strong, consistent flow. Our underwriting reads all of it before we present a number.

The Full Read

What our underwriters actually look at

i.
Average Monthly Deposits
The starting point for every file. We typically structure between 75% and 150% of average monthly deposits, depending on program and tier.
ii.
Deposit Frequency
How often the money lands counts as much as how much. Steady daily deposits read healthier than sporadic large ones in our underwriting.
iii.
Negative Days
Days closing in the red are a real flag. More than five to seven per month sharply reduces both available structures and the approval ceiling.
iv.
Existing Positions
Active advances cap what we will write. Heavy stacking is the quickest path to limited options and elevated risk on the file.
v.
FICO & Credit Profile
Personal credit shapes program access and pricing — but strong revenue and clean deposit patterns regularly offset lower scores in our model.
vi.
Approval Ceiling
The maximum we will write given everything combined. We calculate this before structuring — so you are never over-leveraged on day one.
Apply for Your Tier →

Frequently Asked Questions

Plain answers, no fine print.

No sales script, no tap-dance. Here is what working with a direct funder of merchant cash advances actually looks like in practice.

What makes Easy Landing different?
We underwrite and fund from our own capital. You see the full cost before signing, you talk to the same team from application to payoff, and the answer to every funding question comes from us — not from a partner we forwarded your file to.
How fast can we be funded?
Most files receive a same-day decision. Once you sign, the wire typically lands within twenty-four hours. The process is engineered to move at the speed your business actually needs to move.
What does it cost? Are there hidden fees?
Zero hidden fees. You see the factor rate, total payback, and full payment schedule before any signature. The price we quote is the price we wire against. Transparency on day one is how we build files that pay back cleanly.
What do you need to apply?
A short application and your last three months of business bank statements. That is the start. No hard credit pull at the application stage. We may ask for additional documents depending on program and amount — and we will always say exactly what is needed.
What if I already have existing positions?
We work with stacked files regularly. Depending on your revenue, deposits, and current exposure, we can sometimes consolidate positions into a single schedule — or write new capital alongside what is in place. We read the full picture and present honest options.
Can you help us move toward longer-term financing?
Yes. Many files start in short-term capital and graduate to monthly programs or asset-backed revolving lines. We map a path from where the operation sits today to where it is headed — and we say what it takes to get there.
What are the minimum qualifications?
Generally six months in operation, $15,000+ in monthly business revenue, and an active business bank account. FICO matters but is not everything — strong deposits and consistent revenue absorb a lot. Apply and we will tell you exactly where the file stands.
Who do I call after funding?
The same team that wrote your file. We do not disappear after the wire clears. You will have a direct line to the people managing your account for renewals, questions, or anything else that comes up. One number, one team.
Do you broker SBA loans or bank financing?
No. Easy Landing is a direct funder of merchant cash advances and revenue-based financing only. We do not broker SBA, bank loans, or term loans. If your operation needs a bank product, your bank is the right call — we will say so plainly if that is the case.
Is a merchant cash advance a loan?
No. A merchant cash advance is a commercial financing transaction — a purchase of a portion of your future revenue at a discount, not a loan. APR does not apply. These products are not subject to consumer lending regulations or state lending license requirements.

Have a question we didn't cover? Ask, and you will get a straight answer.

Contact the Desk →

Apply Now

Start your application — same-day decisions.

Submit the form below. Our underwriters review the file in-house, and most operations receive a written decision the same business day.

Easy Landing LLC

Legal EntityEasy Landing LLC
StateNew York
Address1651 East 3rd Street
Brooklyn, NY 11230
HoursMonday–Friday
9 AM – 6 PM EST
Emailinfo@easylandingny.com
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Legal

Privacy Policy

How Easy Landing LLC collects, uses, and protects your information.

Your privacy matters. This Privacy Policy explains how Easy Landing LLC ("we," "us," or "our") collects, uses, discloses, and safeguards your personal information when you visit our website (the "Site") or use our services. By using our Site and services, you consent to the practices described in this Privacy Policy.

Information We Collect

SMS consent is not shared with third parties for marketing purposes. No mobile opt-in data is shared with any third party.

We may collect both personally identifiable information ("PII") and non-personally identifiable information ("Non-PII") when you interact with our Site or services.

PII may include but is not limited to your name, email address, postal address, phone number, business name, business bank statements, and any other information you voluntarily provide to us through our application form or other communications.

Non-PII may include technical information such as your IP address, browser type, device information, and website usage data collected through standard analytics tools.

How We Use Your Information

We use the information we collect for the following purposes:

  • Reviewing and underwriting funding applications
  • Providing and improving our services
  • Communicating with you about your application or account
  • Responding to your inquiries
  • Sending customer care text messages such as follow-ups, reminders, and application status updates (only if you opt in to SMS)
  • Understanding how users interact with our Site
  • Complying with legal and regulatory obligations

Sale of Data

We do not sell the information you provide to us under any circumstances. We do not share your data with third-party marketers.

Data Security

We implement reasonable administrative, technical, and physical security measures to protect your information from unauthorized access, disclosure, alteration, or destruction. However, no method of transmission over the internet or electronic storage is entirely secure, and we cannot guarantee absolute security.

Third-Party Services

We may use third-party services to collect, monitor, and analyze data on our behalf, such as website analytics tools, form submission processors, and SMS delivery providers. These third parties may have their own privacy policies governing the use of the information they collect.

Cookies and Similar Technologies

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.

Links to Other Websites

Our Site may contain links to third-party websites that are not operated by us. 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.

Children's Privacy

Our services are commercial in nature and are not intended for individuals under the age of 18. We do not knowingly collect or solicit personal information from anyone under 18.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. The revised policy will be posted on this page with the "Last Updated" date below. We recommend checking this page periodically for any changes. Your continued use of the Site or services after any modifications signifies your acceptance of the updated Privacy Policy.

Contact Us

Easy Landing LLC
1651 East 3rd Street
Brooklyn, NY 11230
Email: info@easylandingny.com

Last Updated: 08/05/2026

Legal

Terms & Conditions

Please read these terms carefully before using the Easy Landing LLC website or services.

1. Introduction

Welcome to Easy Landing LLC. These Terms and Conditions ("Terms") govern your use of our website and services. By accessing and using our website, you agree to be bound by these Terms. If you do not agree with any part of these Terms, you must not use our website or services.

2. Use of Our Website

(a) You must be at least 18 years old to use our website and services. By using our website, you confirm that you are at least 18 years old.

(b) You may not use our website for any illegal or unauthorized purposes. You agree to comply with all applicable laws and regulations.

(c) We reserve the right to modify, suspend, or discontinue any part of our website, services, or content without prior notice.

(d) Your use of any information or materials on this website is entirely at your own risk, for which we shall not be liable.

3. Nature of Our Services

(a) Easy Landing LLC is a direct funder of merchant cash advances and revenue-based financing — commercial financing transactions, not loans. APR does not apply to these products.

(b) All funding decisions are subject to underwriting review and approval. Not all applicants will qualify. The terms of any funding agreement are determined on a per-file basis and are reflected in the executed agreement, not on this website.

(c) Submitting an application does not guarantee approval or funding.

4. Intellectual Property Rights

(a) All content on this website, including but not limited to text, graphics, logos, images, and design, is the property of Easy Landing LLC and is protected by copyright and other intellectual property laws.

(b) You may not reproduce, distribute, modify, transmit, or use any part of our website's content without our prior written consent.

5. Privacy Policy

(a) Our Privacy Policy outlines how we collect, use, and protect your personal information. By using our website, you consent to our Privacy Policy.

(b) We do not share or sell your personal information to third parties for marketing purposes.

6. Disclaimer

(a) The information provided on our website is for general informational purposes only. We make no warranties or representations about the accuracy, completeness, or reliability of the content.

(b) We are not responsible for any damages or losses resulting from the use of our website or any information provided therein.

7. Links to Third-Party Websites

Our website may contain links to third-party websites. We do not endorse or have any control over the content or practices of these websites. Your use of third-party websites is at your own risk.

8. Limitation of Liability

To the extent permitted by law, Easy Landing LLC shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from or in any way related to your use of our website or services.

9. Indemnification

You agree to indemnify and hold harmless Easy Landing LLC, its officers, directors, members, employees, and affiliates from any claims, losses, damages, liabilities, costs, or expenses (including legal fees) arising out of your use of our website or violation of these Terms.

10. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the State of New York. Any disputes arising from or related to these Terms shall be subject to the exclusive jurisdiction of the courts located in New York.

11. Changes to Terms and Conditions

We reserve the right to update or modify these Terms at any time without prior notice. Your continued use of our website following the posting of any changes constitutes your acceptance of such changes.

12. Contact Us

If you have any questions or concerns about these Terms and Conditions, please contact us at info@easylandingny.com.

SMS Terms and Conditions

1. Introduction

Welcome to Easy Landing LLC. By accessing or using our services, including receiving SMS communications, you agree to comply with and be bound by these SMS Terms and Conditions. If you do not agree, please do not engage with our SMS services.

2. Consent for SMS Communication

We collect a single consent for SMS communications, through one dedicated checkbox on our website application form:

  • Customer care consent — consent to receive informational and account-related text messages (follow-ups, reminders, and status updates).

This consent applies only to Easy Landing 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.

3. Types of SMS Communications

Customer care (informational) messages — sent only if you checked the customer care consent box:

  • Application follow-ups, reminders, status updates, and account servicing notifications

Example message: “Easy Landing 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.

4. Opt-In Method

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.

5. Standard Messaging Disclosures

  • Message and data rates may apply.
  • Message frequency may vary.
  • You can opt out at any time by replying “STOP.” You will receive a confirmation and no further messages.
  • To resume messages after opting out, reply “START.”
  • For assistance, reply “HELP” or contact us directly at info@easylandingny.com.
  • Carriers are not liable for delayed or undelivered messages.

Last Updated: 08/05/2026

Transparency

Rates & Disclosures

You should know exactly what you are paying before signing. Here is a clean, plain breakdown of our products and pricing.

Commercial MCA / Revenue-Based Financing

Direct product — Easy Landing LLC is the funder
  • Factor rate range: 1.17 – 1.49
  • Example: $10,000 advance at a 1.30 factor rate = $13,000 total payback ($3,000 in total fees)
  • Term range: 3 – 36 months depending on program and tier
  • No application fees, no hidden charges, no broker fees
  • Full cost breakdown delivered in writing before signing
Merchant cash advances and revenue-based financing are commercial transactions, not loans. APR does not apply. These products are not subject to consumer lending regulations or state lending license requirements.

What We Do Not Do

We're a direct funder, not a referral source

Easy Landing LLC funds revenue-based and merchant cash advance products from our own balance sheet. We do not broker SBA loans, we do not refer files to bank lenders, and we do not shop your application to third-party capital sources. If your operation needs a bank product or a term loan, your bank is the right call — we will tell you that plainly.

Our products are commercial financing transactions, not consumer loans. We do not hold a consumer lending license and do not need one for these products.