Small business owners often face limited options when trying to secure traditional financing. Banks and credit unions typically require high credit scores, long operational histories, and significant revenue—all of which many small businesses lack. That’s why alternative financing solutions like Samson Funding have emerged as valuable lifelines. They offer fast, flexible funding options for companies that need capital to maintain operations, grow, or manage cash flow gaps.
However, not all alternative funders are created equal. Some offer transparent, competitive terms, while others may be costly or difficult to work with. That’s why it’s critical to evaluate your options carefully and understand the terms, fees, and services each provider offers to find the best deal. Samson Funding is one such company that claims to offer tailored financial support to small businesses. Is it the right choice for your business?
In this review, we’ll explore how Samson Funding works, including the application process and pros and cons to help you decide. Specifically, we’ll answer these questions and more:
Samson Funding is a New York-based alternative financing provider that helps small businesses access quick capital solutions when traditional loans aren’t an option. The company aims to empower businesses through simple, customized financial solutions that fit their cash flow needs.
They aim to build long-term client partnerships by offering support and access to flexible funding throughout their growth journey. The firm is known for fast approvals, minimal documentation, and a straightforward application process.
Samson Funding provides working capital through several product types. Rather than operating as a traditional lender, it structures its offerings around business performance and projected cash flow, allowing businesses with limited credit or little revenue to qualify.
Revenue Based Financing offers funding in exchange for a percentage of your future revenue. This option is ideal for businesses with strong, consistent cash flow. Repayment is tied directly to income, so you pay more during busy months and less during slow periods. Revenue-based financing is not a loan but a purchase of future receivables.
A Merchant Cash Advance (MCA) provides an upfront capital sum in exchange for a portion of future sales. It’s not a traditional loan but a sale of future receivables. This type of funding is common in industries with daily card transactions, like retail, food service, and hospitality.
Asset based Lending allows businesses to obtain capital by using their assets—such as invoices, inventory, or equipment—as collateral. It’s useful for companies lacking strong revenue but having valuable resources on their balance sheet.
Samson Funding offers debt consolidation options to help businesses manage multiple high-interest obligations. By consolidating existing debts into a single agreement, companies may reduce their overall payment burden and improve cash flow.
Through its comprehensive merchant processing services, Samson Funding provides solutions that help businesses manage credit card transactions and streamline payment processing. These services often tie into their funding offerings by linking repayments to card sales and business operating accounts.
To qualify for Samson Funding, businesses must show steady revenue and a U.S.-based operations account. Specific credit score minimums are not disclosed, but applicants with less-than-perfect credit may still qualify since a soft credit pull is used. Eligibility is based mainly on cash flow, industry, and time in business. The exact criteria are determined on a case-by-case basis.
Samson Funding makes the application process simple, requiring only minimal documentation. They conduct a soft credit pull, meaning your credit score won’t be affected during the application stage.
Samson Funding offers unsecured financing options with no personal guarantee or collateral required. Funding decisions can be made in as little as 24 hours, and funds can be deposited shortly thereafter through automated electronic debits (ACH debits). Samson Funding typically approves applications within 12 to 24 hours.
Samson Funding finances various businesses, including retailers, restaurants, and medical professionals. Offers are tailored to each business’s unique needs, with no hidden fees or surprises. Repayment is flexible and aligned with your business’s cash flow, and the amount you can receive may grow as your company scales. Ongoing support and easy access to additional funding help business owners manage evolving financial demands.
However, there are drawbacks. Samson Funding does not provide interest rate ranges or example terms upfront, making it hard to compare offers. Additionally, the website contains minimal content, which limits transparency for potential customers doing initial research.
The Samson Funding website does not publish information about a business loan referral program. ISOs and business loan brokers should contact the company to learn about potential partnerships.
Applying to Samson Funding is intentionally simple, with a quick, easy, and streamlined process at its core.
Begin by completing the online application form. You’ll be asked to provide basic information about your business, such as its name, location, annual revenue, and the amount of funding you’re seeking.
After submitting your form, a Samson Funding representative will contact you to discuss your options. They will review your documentation, examine your cash flow, and walk you through the most suitable funding programs.
Once your offer is accepted, you’ll sign an agreement. Funds are typically delivered via ACH debit within 24 to 48 hours. The funding process is designed to be fast and minimally delayed.
After receiving funding, your business begins repayment based on the agreed terms. Repayment may occur daily or weekly, often as a percentage of your revenue or credit card sales.
Samson Funding structures its repayment schedule to align with your cash flow and offers the possibility of renewal or additional funding if your business needs more capital. Renewals may require submitting updated business data or completing a certain percentage of repayment from the original agreement.
Samson Funding’s primary benefits include its rapid approval process, minimal paperwork, and customized pricing structure. Thanks to the emphasis on revenue rather than credit score, businesses with inconsistent or subprime credit histories can often qualify.
The funding process is designed to be efficient and hassle-free. It offers flexibility through tailored repayment aligned to business performance. Plus, there’s no obligation to accept an offer, allowing you to explore other options if needed.
The main disadvantages include the lack of transparency on rates and costs before applying. This makes it challenging for businesses to compare Samson Funding with other providers. Since most products involve future receivables or deposits, repayment can become burdensome during periods with slow sales.
Also, while a personal guarantee may not always be required, it’s common in many agreements. The limited information on their website and few published legal details about terms and obligations might make some customers cautious.
Pros:
Cons:
Yes, Samson Funding is a legitimate business. It is accredited by the Better Business Bureau (BBB) and maintains an A+ rating. The company is based in New York and has served businesses nationwide with short-term working capital solutions. Its legitimacy is confirmed through hundreds of verified customer reviews and its presence on third-party business platforms.
Samson Funding has earned a 4.8 out of 5-star rating on Google from over 240 reviews, highlighting mostly positive customer experiences.
Positive reviews often emphasize the team’s excellent communication, fast approval process, and helpful customer service. Many customers mention that they were able to obtain funds quickly and that the funding helped them manage their business cash flow or consolidate existing debts. Words like “good people,” “pleasure to work with,” and “great partner” appear frequently in positive reviews.
Negative reviews, while few, tend to focus on the lack of upfront rate transparency and the frequency of repayment. Some clients expressed frustration over aggressive marketing calls or misunderstandings around repayment terms. These issues underscore the importance of reviewing your funding agreement carefully before signing.
Samson Funding aims to provide quick and accessible business capital, but not every business will qualify. Inconsistent or too low revenue, being in a prohibited industry, or poor credit could potentially cause a denial.
If you were declined, the denial letter should explain why, provide guidance on improving your application, and indicate when you can apply again. If not, or if you need more information, contact Samons Funding directly.
Fortunately, small business owners have many lender options to consider. Merchant cash advances are one of the most accessible alternative funding products. Several financing companies also offer revenue based funding. You could also find asset-based loans if your small business has valuable collateral.
You may also be interested in one of the following small business loans:
Samson Funding is a strong contender for small business owners needing fast, flexible working capital, especially those who may not qualify for traditional loans. It’s ideal for businesses with a consistent cash flow, active accounts, and credit card sales. If you’re looking for a business cash advance, debt consolidation, or comprehensive merchant processing services, Samson Funding might meet your needs.
However, if you’re concerned about transparency, repayment structure, or lack of upfront cost details, you might consider funders who provide more information online before applying. Always compare your options, read agreements thoroughly, and choose the best provider for your business needs and long-term goals.
Based on the available information, we rate Samson Funding as 4.1 out of 5. It could be a solid choice, but the lack of transparency on rates and fees could be an issue.
Disclaimer: The Samson Funding trademark is owned by Samson Funding, Inc., and its use herein is for reference purposes only, and it does not indicate sponsorship or endorsement from Samson Funding, Inc.
Fraud Disclosure:
Please be aware that individuals have been fraudulently misrepresenting to business owners (and others) that United Capital Source, Inc. (“UCS”) can assist small businesses in receiving government grants and other forgivable business loans, when in fact those grants or loans do not exist or are not available. These individuals have ulterior motives and are engaging in the unauthorized use of the names, trademarks, domain names, and logos of UCS in an attempt to commit fraud upon unsuspecting small business owners.
UCS will never communicate with a prospective client on Facebook, Facebook Messenger, or any other type of social media. Further, any email communications will always come from an official UCS email address and not a Gmail, Yahoo, or other email domain. If you believe you have been contacted by someone posing as an employee of UCS, please email [email protected].
