Fast money
Fast Mula
Requests $500–$10k
A simple start for smaller business needs. Pick an amount, tell us the purpose, and a person reviews the request.
- Built for gaps that need closing this week
- Short questionnaire, human review, straight answer
Fast Mula · Fast money
Your next move starts here.Your next move.
Request $500–$10,000 for your business. Choose an amount, answer a few questions, and a person reviews your request.
- No credit pull to submit
- No bank login
- Funding subject to review. Terms vary.
Two paths. One review.
Same questionnaire, same human review. The size of the request decides the path.
Big money
Big Mula
Requests $10k–$1M
More room for bigger plans: expansion, equipment, a second location, or refinancing a pile of expensive advances.
- In-depth review for expansion, equipment, and refinancing
- Longer terms and structured options where you qualify
- Room to negotiate on fees and prepayment
How a request moves
Three steps. No forty-page application, no maze.
Amount and purpose
In the app, slide to the number you actually need, tap what it is for, and answer a few plain-English questions about the business. Three minutes on your phone.
A person reviews it
A person at Fast Mula reviews your request and follows up. With your consent, qualified requests are referred to a funding partner whose own review and written terms decide any funding. Nothing is sent to any partner automatically, and the partner is identified to you at referral time.
You decide
If a referral makes sense, you see the partner’s written offer before anything is signed. We put the cost in plain numbers so the decision is yours.
3minutes to submit a request
0credit pulls to submit
2request paths: Fast and Big
100%of requests read by a person
Where your request goes
Plainly, because you should know before you type anything.
- Passkey sign-inThe client portal opens with your device’s Face ID, Touch ID or PIN over an encrypted (HTTPS) connection. Client portal
- Review before submittingYou see every answer and the exact consent text before the request is submitted. Saving a draft stores your answers with Fast Mula; nothing goes to a partner until you consent.
- No credit pull to submitYou do not need bank statements, a bank login, or an SSN to submit this request. A funding partner may ask for documents or a credit check later and will explain its process first.
1. Fast Mula
Fast Mula is a funding referral service operated by SCHER LLC. We are not a lender and make no credit decisions; funding decisions belong to the partner that reviews a referred request.
2. A funding partner
Only after you consent at the review step, a qualified request is referred to a funding partner, who is identified to you at that point. The partner’s own review and written terms decide any funding; we do not publish partners’ ranges, rates, or approval criteria.
3. Your data stays put
We record how a request reached us for our own review. We never forward your details to anyone automatically, and nothing leaves Fast Mula without your consent. Questions: Team@fastmula.com. Details in the privacy policy and disclosures.
Made for your industry
A roofer waiting on a draw and a food truck with daily card deposits need different structures.
Contractors
Materials and crew before the draw clears. Bridge the gap without stacking advances.
Restaurants & food trucks
Equipment failures, seasonal dips, 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, with real margins in the math.
All 33 industries
Dental, staffing, law firms, agencies, movers, venues, manufacturing, and more.
Factor rate vs. APR
A 1.25 factor rate on a 6-month advance is not "25% interest". Move the controls: payback, term and fees become an estimated APR so an advance and a loan can be compared honestly.
Illustration only · not a quote
Factor rate1.25≠Estimated APR98%
- Net proceeds
- Fee
- Factor cost
- Payback
- $25,000
- Net received
- $19,600
- Total cost
- $5,400
- Weekly
- $962
- Daily est.
- $192
- Annualized
- 55%
Site example: $20,000 advance, 1.25 factor, 2% fee, 26 weeks.
A business-advance illustration, not personal-loan terms and not an offer. Assumes the fee is taken up front, equal end-of-week payments, no missed payments and no early-payoff discount. Estimated APR is nominal (weekly rate × 52), not an effective annual rate or a statutory quote. The bar adds net proceeds, the fee and the factor cost (payback minus advance) to the payback; total cost includes the fee; daily estimate is weekly ÷ 5.
Straight answers
Amount guaranteed?Is the amount I pick what I will get?
No. The amount you choose in the app is the amount you are requesting. Any funding, its size, and its terms come from the partner’s own review of a referred request and are put in writing before you sign anything.
Is Fast Mula a lender?
Fast Mula is a funding referral service operated by SCHER LLC. We are not a lender and make no credit decisions; funding decisions belong to the partner that reviews a referred request. See the disclosures.
Credit impact?Will submitting a request affect my credit?
No. The request does not ask for your SSN or a bank login, and Fast Mula does not pull credit. A partner reviewing a referred request may run its own check and will tell you first.
Fast or Big Mula?What do Fast Mula and Big Mula mean?
Fast Mula covers requests from $500 to $10,000. Big Mula covers larger requests, up to $1,000,000, with in-depth review.
Lawsuit funding?Do you handle lawsuit or settlement funding?
Legal-funding requests are kept separate from business funding and reviewed separately. Whether any product is available depends on your state and the contract; Fast Mula makes no funding decisions. Read the educational guide first.
Is my information sold?
No. Your request is shared only with a funding partner identified to you, only after you consent at the review step, and we log the exact consent text and time. See the privacy policy.
Ready to start?
Requests from $500 to $1,000,000. About three minutes. No SSN, no bank login, no credit pull to submit a request.