A reserve to draw on versus a lump sum against future sales. Built for established businesses doing $60K+ a month.
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Business lines of credit and merchant cash advances are both offered through our partner, Merchant Fund Express, so the choice can follow how your cash actually moves.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
Five minutes to apply, about three months of statements, no tax returns. Qualified files can fund in as little as 24 hours.
We consider FICO 500+, start with a soft pull, and look hard at the deposits your business produces.
Your offer lists the full repayment amount before you accept, with no surprise costs once you sign.
Whether you draw on a line or take a lump sum, the schedule is in your offer before you commit.
A business line of credit gives you access to a set amount you can draw from as needs come up, while a merchant cash advance gives you a single amount now in exchange for a share of future receivables. One is a reserve. The other is a purchase of upcoming sales.
| Line of credit | Merchant cash advance | |
|---|---|---|
| How money arrives | Draws as you need them | One lump sum |
| What you owe on | Only what you have drawn | The full advance |
| How it is repaid | Scheduled payments on the drawn balance | A share of sales or deposits |
| Best for | Recurring, unpredictable needs | A defined need with steady sales behind it |
| What is reviewed | Revenue, deposits, credit profile | Card sales and bank deposits |
Specific terms vary by file and are set out in your agreement.
Think of a distributor that never knows exactly when a large order will land, or a contractor on commercial jobs who has to buy materials before the progress payment clears. A line gives that owner room to draw, repay, and draw again without starting a new request each time. More on the business line of credit page.
A restaurant with heavy card volume that needs a walk-in cooler replaced this week is a good example. The need is defined, the sales are steady, and repayment that tracks those sales can be easier to carry than a fixed schedule during a slow stretch. Read the merchant cash advance overview or the version for owners with bad credit.
Honest answers to these four usually point clearly in one direction.
Both products are available through our partner Merchant Fund Express, from $25,000 to $5,000,000. The application takes about five minutes, starts with a soft credit pull, and asks for about three months of business bank statements. No tax returns required. Apply here.
FICO 500+ is considered for both. A merchant cash advance leans more on sales volume, while a line review may weigh the credit profile somewhat more. Your file decides.
Some businesses do. Funders will look at existing obligations and how they affect daily cash flow when reviewing any new request.
For qualified businesses, funding can arrive in as little as 24 hours. Timing depends on the file and your bank.
Sole proprietors can apply for either product. The review centers on business revenue and deposits.
We do not make that claim. Funding and credit repair are separate services, and how any account reports is outside what this page covers.
Example uses for illustration only.
These steps help any funder read your account with confidence.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding