Established Merchant Capital · Brooklyn, NY

Capital, deployed
with conviction.

Chalom J Inc is a direct funder of merchant cash advances and revenue-based financing — underwriting and wiring from our own balance sheet, without brokers, syndicators, or back-end fee layers.

Apply For Capital Our Approach
Direct funder In-house underwriting Same-day decisions
Direct Balance Sheet Funder
In-House Underwriting Team
24 Hrs Application to Wire
One File One Account Team

The Chalom J Standard

A funding partner, not a forwarder.

We do one thing — and we do it directly. Every dollar we deploy comes from our own capital, every underwriting call is made under our own roof, and every relationship stays with the team that built it.

— i.

Funded from our balance sheet

No third-party syndication, no broker network, no application shopped around. The capital that wires into your account originates with us — and stays with us until payoff.

— ii.

Underwritten by people, not systems

Our underwriters read the file. They look past the headline FICO to the deposit pattern, the seasonality, and the story the bank statements actually tell. Real judgement, not a scoring engine.

— iii.

One team, from application to payoff

No call center, no rotating reps, no handoff after the wire clears. You speak to the same account team that wrote your deal — for renewals, restructures, or anything that comes up.

"

A merchant capital firm earns its keep by being right about the file in front of it — not by routing it to someone else for a fee.

— Operating Principle, Chalom J Inc

From Application to Wire

Three steps. One funder. No middlemen.

A process built around your operating timeline — not a chain of intermediaries collecting margins along the way.

i
First

Apply directly

A short application and your last three months of business bank statements. No hard credit pull, no obligation, no application fee.

ii
Second

Same-day decision

Your file lands on our underwriters' desk the day it arrives. Most operations receive a transparent, fully-costed offer within hours.

iii
Third

Funded by wire

Sign the agreement and the wire goes from our balance sheet to yours. Typical funding lands within 24 hours of approval.

Speak to the funder. Not a layer in front of one.

A short application, a same-day decision, and capital structured around your operation — not a templated form.

Begin Application

Our Approach

Capital structured around the operation, not a template.

Every file we underwrite is read against the business that wrote it — its cash rhythm, its deposit cadence, and the cost of capital it can actually carry. Here is how we work.

— i.

Direct underwriting, in-house

Your application doesn't get shopped. Our underwriters read every file end-to-end — bank statements, deposit patterns, existing positions, and the operating context that surrounds them. Decisions are ours alone.

No syndication calls. No third-party approvals.

— ii.

Decisions on your timeline

Most files receive a same-day decision. Once approved, funding typically wires within 24 hours. We move at the speed your operation needs — not the speed of a syndication chain or a partner's review queue.

Same-day decisions. Wires within 24 hours.

— iii.

Transparent pricing, day one

Factor rate, total payback, payment frequency, and the full repayment schedule are in front of you before any signature. No back-end fees pulled at funding, no surprise debits after the wire lands.

What we quote is what we wire. Always.

— iv.

Structures shaped to your cash flow

Daily, weekly, or monthly — we structure to the deposit pattern your business actually has. Revenue-based programs flex with your top line; fixed-payment programs reward predictable revenue with lower rates.

Built around your operation, never a template.

— v.

One account team, end to end

The team that underwrites your file is the team that funds it, manages it, and handles your renewals. One direct line to the people who actually know your account — not a rotating cast of customer service agents.

Real people, every time.

— vi.

Honest about fit

If your file isn't a fit for what we write, you'll hear it from us straight. We'd rather decline cleanly than push a structure that won't pay back. Trust isn't a marketing line — it's how we underwrite renewal after renewal.

A straight answer beats a forced approval.

Operating Principle

"We only get paid back when the business wins. So we write files where the business can win — and we say no when it cannot."

Chalom J Inc was built on a plain idea: an operating business deserves a funder with skin in the deal, not a forwarder collecting a margin and disappearing.

What Sets Us Apart

i
Direct capital, every dollar. No syndication, no partner network, no margin layer.
ii
Same-day underwriting decisions from people who read the file — not a scoring engine.
iii
One account team from application through final payment, with a direct line.
iv
Pricing on the page. Factor rate, total payback, and schedule visible before signing.
v
Honest declines. If your file isn't a fit, we say so — and explain why.

See the file you'd write with a direct funder.

Apply in five minutes. Same-day decision. Pricing on the page from day one.

Begin Application

Capital Programs

Direct funding programs for operating businesses.

Each program has a fit and a misfit. We name both — because the wrong structure is worse than no structure at all.

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 we are not the right fit, we will tell you. No runaround, no pressure.
Program i.

Short-Term Working Capital

Speed · 3–12 Months

A direct revenue-based advance keyed to daily or weekly deposits — the fastest program we write. Built for operating businesses that need capital in hand quickly, with payment cadence matched to deposit frequency.

Strongest fit
  • Immediate operational needs
  • Inventory or seasonal stocking
  • Time-sensitive opportunities
  • Strong, consistent daily deposits
Consider carefully if
  • Cash flow is already constrained
  • You are 50 percent or more over-leveraged
  • Negative-balance days exceed seven per month
Program ii.

Revenue-Based Financing

Flexibility · Cyclical Revenue

Payments scale with your top line — heavier in strong months, lighter in slow ones. Built to absorb the natural rhythm of seasonal and cyclical operations, where a fixed daily debit would force the wrong shape on the business.

Strongest fit
  • Seasonal or cyclical revenue
  • Service businesses
  • Operations with uneven monthly deposits
  • Businesses that need payment breathing room
Consider carefully if
  • Revenue is trending materially downward
  • Deposit volatility is structural, not seasonal
Program iii.

Monthly Payment Programs

Stability · 12–36 Months

Lower-frequency debits paired with reduced factor rates. Designed for established operations with predictable monthly revenue and credit profiles strong enough to step out of daily payment cycles altogether.

Strongest fit
  • Established operations with 650+ FICO
  • Businesses on monthly billing cycles
  • Companies graduating from daily-debit programs
  • Operations with stable monthly deposits
Consider carefully if
  • Frequent negative-balance days
  • Stacked daily-payment positions
  • Revenue is heavily front-loaded each month
Program iv.

Consolidation & Restructure

Relief · Strategic

Roll multiple active positions into a single, manageable schedule. Cut the daily drain, raise your approval ceiling, and create the runway to grow into longer-term capital structures over time.

Strongest fit
  • Operations with two or more active positions
  • Businesses overwhelmed by daily debits
  • Owners building toward stable, longer-term capital
  • Stacked files with underlying revenue health
Not always available if
  • Steep, sustained revenue decline
  • Open defaults or UCC liens against deposits
  • Deposit volume cannot carry the consolidated payment
Program v.

Asset-Backed Revolving Credit

Long-Term · Revolving

Draw against pledged assets, repay, draw again. The lowest-cost direct structure we write — designed for operations with real collateral, clean credit, and a long operating history.

Strongest fit
  • Operations with 680+ FICO
  • Real estate or equipment to pledge
  • Businesses ready to graduate from short-term advances
  • Established cash management discipline
Consider carefully if
  • Collateral is limited or fully encumbered
  • Less than two years of operating history
"

We will point you to the right program — directly.

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

Apply Now

Qualification Overview

What direct funding looks like at every credit profile.

FICO is one number on the page. Revenue, deposit pattern, and existing positions matter every bit as much. Here is the honest map of where most operations land.

A

Tier A — Prime

680–800 FICO · Strong Revenue · Clean History
Monthly payment programs at our best in-house rates
Asset-backed revolving credit available
Lowest direct-funder factor rates we write
Highest approval ceilings, fastest renewals
Our strongest position. Consistent deposits unlock the lowest pricing we offer — and the most flexibility on structure.
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 — a healthy bank statement reads louder than the credit report.
C

Tier C — Cash Flow Based

Below 600 FICO · Deposit-Driven Approval
Weekly or daily payment structures only
Approval keyed to deposit volume and frequency
Conservative structuring against ability to repay
No monthly programs at this tier
We structure conservatively here — only what your deposits can carry. We will decline files that do not make sense rather than force a fit.
Important — FICO is one signal, not the whole file. Tier A starts at 680, Tier B covers 600–679, and Tier C runs below 600. Final approval also weighs average monthly deposits, deposit frequency, count of negative days, and existing exposure. A 670 with poor deposit flow can qualify for less than a 610 with strong, consistent deposits. Our underwriting reads the entire picture before we present a number.

The Full Read

What our underwriters look at

— i.

Average Monthly Deposits

The starting point for every file. We typically structure between 75 and 150 percent of monthly deposits, depending on tier and program.

— ii.

Deposit Frequency

How often money lands matters as much as the amount. Steady daily deposits read healthier than a single large monthly deposit.

— iii.

Negative Days

Days closing in the red are a real flag. More than five to seven a month sharply reduces both program options and the approval ceiling.

— iv.

Existing Positions

Active advances cap what we will write. Heavy stacking is the quickest way to limit options and raise the risk on a new position.

— v.

FICO & Credit Profile

Personal credit shapes program access and pricing — but strong revenue and a clean deposit pattern can absorb materially lower scores.

— vi.

Approval Ceiling

The maximum we will write given everything above. Calculated before structuring, so you are never over-leveraged on day one.

See where your file actually lands.

Apply in five minutes. Same-day read on your credit, your deposits, and your real approval ceiling.

Begin Application

Common Questions

Plain answers. No fine print.

No sales script, no tap-dance. Here is what working with a direct merchant capital funder actually looks like.

What makes Chalom J Inc different from a broker?
We underwrite and fund from our own balance sheet. Your application is not shopped. You see the full cost of capital before signing, you speak to the same team from application through payoff, and every funding answer comes from us — not from a partner we forwarded your file to.
How quickly can we get funded?
Most files receive a same-day decision. Once you sign, the wire typically lands within 24 hours. The process is built to move at the speed your business actually needs to move — not the speed of a syndication chain.
What does it cost? Are there hidden fees?
Zero hidden fees. You see the factor rate, total payback, and full payment schedule before signature. The price we quote is the price we wire against. Transparency on day one is how we write files that pay back — and renew.
What do you need to apply?
A short application and your last three months of business bank statements. That is the starting point. There is no hard credit pull at the application stage. We may ask for additional documents depending on the program and amount — and we will always say exactly what is needed.
What if we have existing positions or are stacked?
We work with stacked files regularly. Depending on revenue, deposit volume, and current exposure, we can sometimes consolidate positions into a single schedule — or write additional capital alongside what is already there. We will read the full picture and give you honest options.
Can you help us move toward longer-term financing?
Yes. Many files start in short-term capital and graduate into monthly programs or asset-backed revolving credit. We map a path from where the operation sits today to where it is heading — and we are direct about 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 it is not everything — strong deposits and consistent revenue absorb a lot. Apply and we will tell you exactly where you stand.
Who do we 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, restructures, or anything else that comes up. One number, one team — application through payoff.
Do you broker or refer files to other funders?
No. Chalom J Inc is a direct funder. We deploy our own capital against the files we approve. If your operation needs a product we do not write — a true bank loan, an SBA program, equipment financing through a specialist — we will tell you that directly so you know where to look.
Will applying hurt my credit score?
No. Our application process does not trigger a hard credit pull. We may run a soft inquiry to inform program fit, but it has no impact on your credit score. A hard pull, if needed at all, only occurs after a structure is presented and you choose to proceed.

A question we did not cover? Ask. You will get a straight answer.

Contact Our Team

Apply For Capital

Start your application directly.

Send your bank statements and a few details about your operation. Our underwriters review the file and most businesses receive a same-day decision.

Chalom J Inc

Direct Merchant Capital · Brooklyn, NY
Legal Entity Chalom J Inc
Address 1360 Ocean Parkway, Apt 11F
Brooklyn, NY 11230
Hours Monday–Friday
9 AM – 6 PM EST
State New York
Capacity Direct funder of MCA & revenue-based financing

Application

Upload your last three months of business bank statements, share a few details, and our team will be in touch with a decision the same business day.

↑
Upload Bank Statements
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§ Your information is secure and will never be sold or shared with third parties.

Legal

Privacy Policy

How Chalom J Inc collects, uses, and protects your information.

Your privacy is important to us. This Privacy Policy explains how Chalom J Inc ("we", "us", "our") collects, uses, discloses, and safeguards your personal information when you visit our website ("Site") or engage with our services. By using our Site or 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 third parties or affiliates.

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

PII may include but is not limited to your name, business name, email address, postal address, phone number, 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 Site usage data.

How We Use Your Information

We use the information we collect for purposes including:

  • Reviewing applications and underwriting decisions
  • Providing, structuring, and servicing the capital products we fund
  • Communicating with you about your file, account, or inquiry
  • Sending customer care text messages such as follow-ups, reminders, and application status updates (only if you opt in to SMS)
  • Responding to your questions and requests
  • Understanding how users interact with our Site
  • Complying with legal obligations and applicable regulations

Sale of Data

We do not sell the information you provide to us under any circumstance. We do not share, rent, or trade SMS opt-in or consent information with third parties or affiliates for marketing purposes.

Data Security

We implement commercially reasonable security measures to protect your information from unauthorized access, disclosure, alteration, or destruction. However, no method of transmission over the internet or method of 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 — for example, website analytics tools and form delivery services. These third parties may have their own privacy policies governing the use of information they collect on our behalf.

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 other websites that are not operated by us. We are not responsible for the privacy practices of those websites, and we encourage you to review their respective privacy policies.

Children's Privacy

Our services are not directed to children under the age of 13, and we do not knowingly collect personal information from anyone under 13. If you are under 13, please do not use our Site or provide any personal information to us.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any revised version will be posted on this page with the updated "Last Updated" date. We encourage you to review this page periodically. Your continued use of the Site or our services after any modification will signify your acceptance of the updated Privacy Policy.

Contact Us

Chalom J Inc
1360 Ocean Parkway, Apt 11F
Brooklyn, NY 11230
Email: info@chalomjinc.com

Last Updated: 08/05/2026

Legal

Terms & Conditions

Please read these terms carefully before using our Site or engaging with our services.

1. Introduction

Welcome to Chalom J Inc. These Terms and Conditions ("Terms") govern your use of our website and our 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.

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 of age.

(b) You may not use our website for any illegal or unauthorized purpose. 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. Intellectual Property Rights

(a) All content on this website — including text, graphics, logos, images, videos, and software — is the property of Chalom J Inc 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.

4. Privacy Policy

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

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

5. 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.

6. Links to Third-Party Websites

Our website may contain links to third-party websites. We do not endorse, nor do we have control over, the content or practices of these websites. Your use of any third-party website is at your own risk.

7. Limitation of Liability

To the extent permitted by law, Chalom J Inc 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.

8. Indemnification

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

9. 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 state and federal courts located within New York.

10. 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 those changes.

11. Contact Us

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

SMS Terms and Conditions

1. Introduction

By accessing or using our services — including receiving SMS communications from Chalom J Inc — you agree to comply with and be bound by these SMS Terms. If you do not agree with these terms, please do not opt in to SMS communications.

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 Chalom J Inc 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: “Chalom J Inc: 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@chalomjinc.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 — and what we do and do not write — before signing anything.

Product Disclosures

A clean breakdown of our products and pricing.

No buried fees, no asterisk pricing, no "rates from" with no ceiling. Here is what our capital actually costs.

Commercial MCA & Revenue-Based Financing

Direct product — Chalom J Inc 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 selected
  • No application fees, no origination fees, no hidden charges
  • Full cost breakdown and payment schedule delivered before signing
Merchant cash advances and revenue-based financing are commercial transactions, not loans. APR does not apply to these products, and they are not subject to state lending license requirements.

What We Don't Do

Direct funder — not a referral source

Chalom J Inc funds revenue-based financing 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 funders or syndicators.

If your operation needs a true bank product or an SBA program, your bank is the right call — not us. We will tell you that directly so you do not waste cycles.

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