A merchant cash advance for small business — up to [$MAX] for inventory, payroll, equipment, or a slow month. Bank statements only, bad credit welcome. Pick an amount, see your terms, and get funded as soon as today.
Estimates only. Final amount and terms are based on revenue, time in business, and bank activity.
Accept before [CUTOFF] ET and funds typically land the same business day.
One number for total payback. No teaser rates, no surprise fees in the fine print.
A named person who knows your file — before, during, and after funding.
See what you qualify for without a mark on your personal credit.
Renew once you've paid down a portion — often for more than the first round.
6+ months in business, $10,000+ monthly revenue, 3 months of business bank statements, and a business bank account. Personal credit from 500 — startups and new businesses considered.
Check in 60 seconds →Five-minute form plus your last three bank statements. Online or on the phone.
Your advisor walks through each option side by side — amount, term, total payback.
E-sign and receive funds by wire or ACH, often the same day.
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A merchant cash advance (MCA) is a purchase of a fixed portion of your future receivables at an agreed price. You get a lump sum now and remit a small amount daily or weekly from sales. Approval is based on revenue and bank activity, not collateral.
No. It isn't a loan with an interest rate, which is why it isn't subject to bank underwriting and why decisions take hours instead of weeks.
Pricing is a factor rate — a 1.25 factor on $50,000 means $62,500 total payback. We show the total dollar cost before you sign so you can compare it to a business loan or line of credit.
Yes. We fund owners with personal FICO scores from 500. Revenue and bank history matter more than credit history.
Most approved applicants receive funds the same business day or the next business day after accepting an offer.
Typically up to one to one-and-a-half times your average monthly revenue, up to [$MAX]. Many owners qualify for more on a renewal.
The short application, your last three months of business bank statements, and a government ID. Bank statements are the proof of revenue we use — no tax returns required for most amounts.
A term loan or line of credit usually costs less but needs stronger credit, more paperwork, and weeks to close. An MCA costs more but funds in a day on revenue alone. Your advisor will tell you which fits.
Yes. Early-payoff discounts are available on most programs — your advisor will show the exact figure. Second-position advances and MCA consolidation are also available when they lower your total daily obligation.