Fast Mula
For smaller requests
For quick working-capital needs where speed matters more than the lowest possible cost.
- Short, simple questionnaire
- Best when timing is the main problem
- Compare cost as a factor rate and an estimated APR
Business funding, explained straight
Big plans. Meet Fast Mula.
See which funding structures fit your numbers, with the real cost shown as a factor rate and an estimated APR. Three minutes, no SSN, no bank login.
- About 3 minutes
- No SSN or bank login
- No credit pull to look
- Opening soon: preview the questions now
Two paths. One honest questionnaire.
Pick the size of the problem, not a product name. We route you to the structures that actually fit.
Big Mula
For larger requests
For established businesses comparing larger, longer-term options and negotiating on cost.
- Longer terms and lower-cost structures where you qualify
- Room to negotiate on fees and prepayment
- Designed for in-depth review of your numbers once inquiries open
Dead simple, on purpose
We show what each option costs, as a factor rate and an estimated APR, before you talk to anyone.
Tell us the basics
Business age, monthly revenue, how much you need, and how soon. Roughly three minutes on your phone.
Get a plain-English fit summary
We explain which structures are realistic for your numbers, what each usually costs, and what to watch for.
What happens next
Inquiries are not open yet. Once Fast Mula LLC has published its role, contact details, and the states it serves, submitted inquiries will be reviewed by a person. Until then the questionnaire is a preview and nothing is submitted or shared.
Know what you are comparing
Every structure has a job it does well and a way it can hurt you. Start with the right one.
Working capital advance
Fast, revenue-based, usually repaid daily or weekly. Built for short gaps; the total cost is fixed at signing.
Small business loans
Term loans from banks, credit unions, and online lenders. Often lower cost than an advance, usually more documentation and time.
Business line of credit
Draw what you need, pay interest on what you use. Great for recurring cash-flow swings.
Invoice financing
Turn unpaid B2B invoices into cash now. Cost depends on how slowly your customers pay.
Equipment financing
The equipment secures the financing, which can help pricing. Fixed terms, predictable payments.
SBA loans & microloans
SBA 7(a) and 504 loans through participating lenders, and microloans through nonprofit intermediaries. Costs and timelines vary. Education only; Fast Mula is not an SBA lender.
Built around how your industry actually gets paid
Cash-flow timing is different for a roofer and a food truck. So is the right funding.
Contractors
Materials and crew before the draw clears. Bridge the gap without stacking advances.
Restaurants & food trucks
Equipment failures, seasonal dips, and a second location. Match the term to the payoff.
Trucking & logistics
Repairs, fuel, and slow-paying brokers. Factoring vs. advance vs. line, explained.
Salons & spas
Chairs, build-outs, and retail inventory. Funding that fits appointment-driven revenue.
Ecommerce
Inventory buys and ad spend ahead of the season. Revenue-based vs. inventory-backed options.
Factor rate ≠ APR. We show both.
A 1.25 factor rate on a 6-month advance is not "25% interest". Our calculator converts the payback amount, term, and fees into an estimated APR so you can compare it against a loan or a line of credit honestly.
Example, for illustration only
Advance: $20,000 · Factor rate: 1.25 · Term: 26 weeks · Fee: 2% deducted up front
Payback: $25,000 · Net received: $19,600 · Weekly: ~$962
Estimated APR: about 98% (nominal: weekly rate × 52, equal weekly payments). Not a quote; statutory disclosures may use other conventions.
Straight answers
Is Fast Mula a lender?
Fast Mula is a comparison and inquiry service operated by Fast Mula LLC. Our exact role (lead generator, broker, or direct funder) and any funding partners will be stated here once confirmed. We help you understand your options; we do not make credit decisions. See the disclosures.
Will checking my options affect my credit?
No. The questionnaire does not ask for your SSN or a bank login and we do not pull credit. A provider you choose to proceed with may run its own check and will tell you first.
What do Fast Mula and Big Mula mean?
Fast Mula is our path for smaller, faster working-capital needs. Big Mula is for larger or longer-term needs where lower-cost structures and negotiation matter more than raw speed.
Do you handle lawsuit or settlement funding?
Legal-funding inquiries are kept separate from business funding. Whether any product is available depends on your state and the contract; Fast Mula does not make funding decisions. Read our educational guide first.
Is my information sold?
No. Your inquiry is only ever shared with a third party after you explicitly consent at the review step, and we log the exact consent text and time. See the privacy policy.
See which options fit your numbers
Inquiries are not open yet. You can preview the three-minute questionnaire now, and use the calculator and comparisons freely.