Archangel Funding helps small and mid-sized businesses access the capital they need. What sets the firm apart is the second half of that sentence: every funding agreement is reviewed by an attorney, so you understand exactly what you are agreeing to.
Led by April Stone, Esq., funding advisor and licensed attorney.
An attorney reviews every agreement before a signature is required.
We work only with funders whose collection practices we have confirmed are lawful.
You receive a clear explanation of the agreement, not a stack of fine print.
Many brokers can move money quickly. Far fewer will sit with you and explain what the agreement actually means. Archangel does both, because the second part is where most business owners are caught off guard.
A lump sum of working capital now, repaid as a set percentage of your daily or weekly receivables. It is not a loan, and there is no fixed monthly payment. We explain precisely how that affects your account before you commit.
Before you sign, April reviews the funding agreement and provides a plain-English legal opinion: what the lien covers, how repayment is drawn, and where your rights stand. Most owners have never been offered this.
If your business is already carrying several advances and the daily draws have become difficult, the restructuring practice is built for exactly that situation.
Learn about restructuring →A merchant cash advance is not structured like a loan. There is no fixed monthly payment and no set payoff date. Instead, the funder purchases a portion of your future receivables, often drawing directly from your bank account, secured by a lien on those receivables.
That structure is manageable when it is understood. The trouble begins when an owner signs without a clear picture of the terms. Archangel closes that gap. April reviews the agreement with you, in plain language, before anything is final.
If a deal is not right for your business, you will hear that plainly. That kind of candor is less common in this industry than it should be, and it is the standard the firm holds itself to.
Tell us about the business and what you need. The application is straightforward, and beginning it places you under no obligation.
We assess your revenue and bank activity to prepare a fair offer. April then reviews the agreement so the terms are clear before you sign.
Once you are comfortable with the terms, you sign, and funds typically reach your account within about one business day.
Every agreement is read by a lawyer before you sign. You will understand the lien and the repayment terms.
We work with a network of funders we have personally vetted, confirming their collection practices remain fully lawful.
No buried fees and no rushed signatures. If a deal is not right for you, the firm will say so directly.
If a collection practice crosses a legal line, you have counsel who knows where that line sits.
Archangel Funding was built around a straightforward concern: too many business owners sign merchant cash advance agreements without anyone explaining what those agreements mean. By the time the daily withdrawals begin to strain the business, the paperwork is long since signed.
April Stone is a licensed attorney who works on the other side of that problem. She helps businesses obtain the capital they need and understand the agreement behind it: what the lien on future receivables covers, how repayment is drawn, and what rights remain with the owner.
That is the whole of the idea. Get the business funded, but never at the cost of a signature given in the dark.
No, and the distinction matters. A loan carries a fixed payment and a set payoff date. A merchant cash advance is a purchase of your future receivables. Repayment is a percentage of your sales, usually drawn directly from your business bank account, and it is secured by a lien on those future receivables. There is no fixed monthly bill. We make certain you understand how that works for your account before anything is signed.
Before you sign, April reviews the funding agreement and gives you a plain-English legal opinion on it: what the lien covers, how the daily or weekly draw is calculated, and where your rights stand. Most business owners are never offered a lawyer's reading of these documents. With Archangel, it is simply part of the process.
Yes. That is the purpose of the MCA debt restructuring service, which has its own page. April reviews your existing agreements, provides a legal opinion on your position, and where it fits, works with vetted cooperative funders to restructure the debt into a structure your cash flow can sustain. A review is a starting conversation, not a commitment.
Archangel works only with funders it has personally vetted. A significant part of that vetting is confirming their collection practices are fully within the law. A funder known for aggressive or unlawful collection conduct is not part of the network. That protects you, and it is not a step most brokers take.
Generally we look for a business operating for at least six months, steady monthly revenue, and an active business bank account. Credit is considered but is rarely a disqualifier on its own. The most direct way to learn where you stand is to begin an application, which places you under no obligation.
Begin an application, or speak with the firm about an existing advance.