We started FundWave Loans because we saw too many great businesses fail — not because they weren't profitable, but because they couldn't access capital fast enough.
FundWave Loans exists to democratize access to business capital. For too long, traditional banks have made it nearly impossible for small and mid-size businesses to get the funding they need. Lengthy approval processes, mountains of paperwork, and rigid requirements have left countless entrepreneurs without the capital to grow.
We built a different kind of lending company. One that uses modern technology and a relationship-driven approach to get qualified businesses funded in hours, not months. From Merchant Cash Advances to SBA loans, we match every business with the product that best fits their situation.
Based in New York, we've funded over 2,500 businesses across the country — from corner restaurants to regional trucking fleets. We're proud to be a partner businesses can count on.
Our core values guide every deal we do and every client we serve.
We know time is money. Our streamlined process gets you from application to funded faster than any traditional lender — often same day.
No hidden fees, no bait-and-switch. We show you exactly what you're getting upfront so you can make the best decision for your business.
Every decision we make starts with one question: what's best for the business owner? We're in your corner from application to payoff.
Banks say no to industries they don't understand. We say yes. Restaurants, trucking, construction, retail — we fund them all.
FundWave Loans is a DBA of Appa Capital Solutions Inc, a New York-based commercial financing company. Unlike most online lenders, we believe in personal relationships. When you call us, you talk to a real person who knows your file.
Our team of experienced funding advisors works with dozens of lender partners to ensure every client gets the best possible terms for their situation. We don't just take orders — we advocate for your business.