1-Year term
15%ROI
- Invested$100,000
- Return$15,000
- Total after 1 year$115,000
Accredited investors only
15% ROIin one year
Freedom Merchant Exchange buys the future receivables of small and mid-sized businesses across all 50 states. Choose the term that fits you.
1 year15%ROI
2 years35.125%ROI
3 years62.150%ROI
$100,000 minimum investment. Returns are not guaranteed. See the disclosures below.
Get the 2026 Investment Overview
- Accredited investors only
- $100,000 minimum
- 1, 2 & 3-year terms
- 100+ years combined experience
- All 50 states
$32.7B
Projected market size by 2032
$Merchant Cash Advance Market
2023 value$17.9B
Growth rate7.2% CAGR
The market
Why merchant cash advances
Small and mid-sized businesses that struggle to get bank loans still need capital to manage cash flow and grow. A merchant cash advance gives them that capital by selling a portion of their future receivables at a discount.
Demand for this kind of alternative financing keeps rising. The merchant cash advance market was valued at $17.9 billion in 2023 and is projected to reach $32.7 billion by 2032.
Digital payment platforms now give providers real-time sales and revenue data, which makes it faster to approve businesses and easier to tailor repayment to how each business actually earns.
Source: Allied Market Research, Merchant Cash Advance Market, report A323338.
$50M
Target purchased receivables over the next 36 months
✓Our strategy
IdentifyActive advances
Purchase1st & 2nd position
ServiceAll 50 states
The strategy
How FME puts capital to work
Our management team uses decades of experience and relationships to identify, purchase and service active merchant cash advances in 1st and 2nd position, across all 50 states.
Every seller is graded before we buy. Shorter terms mean capital is collected and redeployed within months, not years.
| Seller | Factor rate | Term |
|---|---|---|
| A+ | 1.25 – 1.35 | 10 – 12 months |
| B+ | 1.35 – 1.45 | 4 – 8 months |
| C+ | 1.45 – 1.55 | 3 – 6 months |
Investment terms
Pick your term, see your ROI
The longer the term, the higher the total return. Here's what each term looks like on a $100,000 investment.
2-Year term
35.125%ROI
- Invested$100,000
- Return$35,125
- Total after 2 years$135,125
Highest ROI
3-Year term
62.150%ROI
- Invested$100,000
- Return$62,150
- Total after 3 years$162,150
$100,000 minimum investment
Accredited investors only
Individual, joint or custodial accounts
ROI figures are the stated terms of the offering as presented in the Freedom Merchant Exchange 2026 Investment Overview. They are not guaranteed. An investment involves risk, including the possible loss of principal. Any offer is made only through the private placement memorandum.
In-house deal flow
A steady pipeline we control
Our sister company, The Broker Shop, finds businesses that need funding through its own marketing channels. That gives Freedom Merchant Exchange a continuous, proprietary supply of files instead of relying on outside brokers alone.
Cold emailSMSDaily SEOSocial mediaIn-house telemarketingLocal businesses
The whole team is in house: telemarketers, marketing, operations, underwriters and management.
The Broker ShopOriginates
UnderwritingFiles submitted
FMEFunds
Why FME
Built by people who know this market
100+ years of experience
Our management team brings over 100 years of combined experience in merchant cash advance, factoring and the purchase of future business receivables.
Short-duration assets
The receivables we buy are collected over 3 to 12 months, so capital turns over quickly and can be redeployed.
All 50 states
We purchase receivables nationwide, across retail and e-commerce, healthcare, manufacturing, hospitality and more.
Getting started
How to invest with FME
Answer a few questions
Tell us how much you're looking to invest and how to reach you. It takes about a minute.
Get the overview
We send you the 2026 Investment Overview with the full returns and payout schedule.
Talk to an Investment Director
Go through the terms, ask your questions, and review the private placement memorandum.
Invest
Verify your accredited status, sign the subscription documents, and fund your investment term.
Questions
Frequently asked
What is the minimum investment?
The minimum investment is $100,000.
Who can invest?
This offering is open to accredited investors only. Generally that means an individual net worth (or joint net worth with a spouse or spousal equivalent) over $1,000,000, not counting your primary residence, or individual income over $200,000 (or $300,000 joint) in each of the last two years with a reasonable expectation of the same this year.
What returns does each term offer?
The 1-year term offers a 15% ROI, the 2-year term a 35.125% ROI and the 3-year term a 62.150% ROI. On a $100,000 investment that is $115,000, $135,125 and $162,150 at the end of each term. Your Investment Director will walk you through the full terms.
Can I use my IRA or 401(k)?
Retirement accounts such as IRAs and 401(k)s from previous employers can often be used through a custodial account. Your Investment Director will walk you through the options for your situation.
Are returns guaranteed?
No. The ROI figures are the stated terms of the offering, but every investment carries risk, including the possible loss of principal. Please read the private placement memorandum, including its risk factors, before investing.
See the full overview
Answer a few quick questions and an Investment Director will send you the 2026 Investment Overview.