A merchant cash advance is not a loan. It is an advance against your future card and bank deposits, repaid through a set share of sales. Approvals depend on your revenue and cash flow more than your credit score, which makes it a fit for seasonal and fast-moving businesses that need capital quickly.
A lump sum of cash in exchange for a percentage of future sales, typically repaid through daily or weekly deductions.
Figures shown are typical ranges and may vary. All products subject to approval and underwriting. *Varies by lender.
Send the short form below or call us. It takes a few minutes and starts with a soft credit pull where applicable.
We review your business and match it with the lenders and programs most likely to fit.
You get side-by-side options with rate, term, payment, and total cost explained in plain English.
Choose the offer that fits, sign, and receive funds, often within days of approval.
No. The funder purchases a portion of your future receivables at a discount. You receive the advance up front, and the funder collects its share through daily or weekly remittances from your deposits.
Advances are priced with a factor rate rather than an interest rate. For example, a $50,000 advance at a 1.30 factor rate means $65,000 is remitted in total. We show the total cost and the expected remittance amount before you sign.
It works best for a short-term need with a clear return, such as inventory you will sell within a few months. It is usually a poor fit for long-term projects or for covering ongoing losses. If a lower-cost option like a line of credit or term loan fits, we will tell you.
Sometimes. Some advances are collected directly through your card processor. Others are collected by ACH from your bank account, so you can keep your current processor.
Tell us a little about the business and what you need. We’ll respond within one business day with next steps.