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01Invest in what’s next
Upgrade equipment, improve your space, launch a project, or pursue your next opportunity.
ALTERNATIVE BUSINESS FUNDING · JOSEPH COOK
Unsecuredbusiness capital.
Up to $1 million.
Get funded fast. Move your business forward.
Subject to provider review and approval. Available amounts and terms vary by business.
Flexible capital. Put your funds toward the priorities you choose, subject to your funding agreement. Joseph Cook, an independent Mom & Pop Business Funding representative, can guide you through the application process.
- Download, print, complete, and sign the application.
- Prepare your six most recent monthly business bank statements.
- Visit the application page for submission availability and instructions.
SUPPORTING SMALL BUSINESS OWNERS.
YOUR BUSINESSTHE NEXT CHAPTER
A PLAN WORTH PURSUING
GET FREE
OFFER TODAY
No obligation
Get an offer the same or next business day↗
Get funded in 24–48 hours↗
It’s that simple↗
Typical timing with a complete package. Funding follows acceptance and signing; approval and timing vary.
YOUR NEXT STEP. IN YOUR INBOX.
Joseph CookIndependent ISO representative
↗SMALL BUSINESS. BIG AMBITION.
Apply online
✦Agree to terms
✦Get your money
EXPLORE YOUR OPTIONS
Turned down by a bank?
You may still have options.
We help business owners explore alternative business financing when traditional bank loans haven’t worked out. A bank’s decision does not necessarily mean you are out of options.
What determines your rates and terms?
Underwriting reviews your completed application and your six most recent monthly business bank statements, each showing your business name, to determine any offer’s rates and terms.
Whether your financial history is strong or has faced challenges, submitting your complete package lets underwriting assess your options. Mom & Pop Business Funding reports making an offer over 94% of the time. This company-reported figure does not guarantee an offer, approval, or funding for any individual applicant.
A fast answer. A clear next step.
Once your complete application package is received, you can typically expect an answer the same business day or the next business day. If you receive and accept an offer, sign your agreement electronically and complete any remaining requirements. Funding typically follows within 1–2 business days; same-day funding may be available, including on the day you apply.
Underwriting operates Monday–Friday. Weekend and holiday submissions are reviewed beginning the next business day. Review and funding times depend on a complete package, provider approval, verification, and bank processing. Timing is not guaranteed.
FLEXIBLE CAPITAL. YOUR CHOICE.
Your capital.
Your priorities.
Unsecured business capital gives you flexibility to put your funds toward the priorities you choose. The examples below are ideas—not a required spending list. How you use your funds is up to you.
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02Keep things moving
Cover inventory, supplies, payroll, and everyday expenses when your business needs flexibility.
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03Choose your own priorities
Have something else in mind? You choose how to use your capital. It's up to you.
Use of funds is subject to your funding agreement. Review the terms before accepting. Approval and funding are subject to provider review.
STRAIGHTFORWARD FROM THE START
A straightforward process.
Personal guidance.
This website explains how to apply and which documents you need. Joseph can help you submit your application. The underwriting team decides whether you qualify and sets any approved rates and terms.
A phone call is optional. Email Joseph if you would like to talk.Speaking with Joseph does not affect the underwriting decision.
Email a question ↗- 01
Download and complete your application
Download the official one-page application, print it, complete it, and sign with pen.
- 02
Prepare one complete package
Prepare a legible scan of your signed application, your business name, and your six most recent monthly business bank statements.
- 03
Visit the application page
Select Apply now and continue to the secure submission page. Enter your business name and contact details, then upload your signed application and six monthly business bank statements together.
- 04
Review your offer and sign electronically
Complete submissions typically receive an answer the same business day or the next business day. If approved, you will receive an offer to review. If you choose to proceed, you can sign the agreement electronically. Funding is typically expected within 1–2 business days after signing.
YOUR INDEPENDENT FUNDING REPRESENTATIVE
Joseph Cook
As an independent ISO representative with Mom & Pop Business Funding, Joseph Cook serves as your point of contact throughout the application process. Contact Joseph to discuss your business funding needs, request application guidance, or clarify submission requirements.
Email Joseph ↗joseph@mpbusiness.fundPrepare your signed application and six monthly business bank statements for submission together. Email Joseph for questions; do not attach sensitive documents to a general inquiry.
FREQUENTLY ASKED QUESTIONS
Application information.
How can I use the funds?+
You choose how to use your capital, subject to your funding agreement and applicable requirements. The uses shown on this page are examples, not a required spending list. Review your agreement for any conditions on the use of funds.
What do I need to get started?+
Download, print, complete, and sign the application. Prepare your business name and six most recent monthly business bank statements, then visit Apply now for submission availability. Additional documents may be requested during review.
Can I work with Joseph entirely by email?+
Yes. A phone call with Joseph is optional. You can handle inquiries, application guidance, and follow-up by email. If you would prefer to speak with Joseph, email him to arrange a call. The funding provider may separately require a merchant interview or verification call before funding.
Can Joseph quote a rate or influence underwriting?+
Joseph does not set or quote rates or determine approval. Rates, costs, and repayment terms are provided in any offer issued after underwriting review. This website covers the application process and document requirements provided in representative training. A conversation with Joseph does not change underwriting criteria or decisions; those depend on the provider’s review of your application and supporting documents. You may contact Joseph for help with submission or clarification of the steps.
Is approval guaranteed?+
No. Eligibility, approval, funding amounts, costs, and repayment terms depend on the provider’s review of your business and documents.
How long does a review take?+
Once all required documents are received, you can typically expect an answer the same business day or the next business day. Underwriting operates Monday through Friday. Documents submitted over the weekend enter the review queue on Monday, or the next business day if Monday is a holiday. Additional verification or missing documents may extend review. Approval and timing are not guaranteed.
What happens after I receive an offer?+
Review the offer, including its costs, repayment terms, and obligations. If you decide to accept, you can sign the agreement electronically. Funds are typically expected within 1–2 business days after signing and satisfying any remaining provider requirements. Same-day funding may be available, including on the day you apply. Provider processing, weekends, holidays, and bank schedules can affect when funds arrive. An offer and funding are subject to approval.
Can I upload my documents on this website?+
Yes. Select Apply now to submit your business name, signed application, and six monthly business bank statements together through our secure Cognito Forms submission page. Documents are kept in the protected submission account; Joseph receives a notification to review them.
Is this the funding company’s corporate website?+
This website is operated for Joseph Cook, an independent ISO representative. Funding decisions and offers are made by the provider.
BEGIN YOUR APPLICATION