MunnyNest was established for the sole purpose of helping small business owners to solve their cash flow, grow their business, provide alternative lending from the traditional banking process. We fully understand the lengthy process of banks, the amount of unnecessary paperwork, collateral needed, & associated fees to obtain any kind of business funding. Our CEO is comes from a retail store background and has personal experience with such pain as a small business owner first hand. That is why we have no application fees, no up-front costs, no collateral requirements and have a speedy approval at MunnyNest.