For established businesses with steady card or daily sales, often $60K+ a month. Access capital now against receivables you have not collected yet.
Check my advanceMerchant Cash Advance
An advance is repaid from a share of future sales or deposits, and it is offered through our partner, Merchant Fund Express.
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.
Qualified businesses can be funded in as little as 24 hours. A 5-minute application and about three months of statements is the starting point.
FICO 500+ is considered and the process opens with a soft pull. Consistent sales volume carries real weight.
The full amount you will repay is shown in your offer before you accept, with no surprise costs after you sign.
How the advance is collected is laid out in your offer up front, so you know how it fits your daily sales.
A merchant cash advance is not a traditional loan. A funder purchases a portion of your future receivables and advances you cash today. Repayment then comes from your sales, often as a set portion of deposits or a scheduled remittance. Through our partner Merchant Fund Express, established owners can request from $25,000 to $5,000,000.
An MCA tends to suit businesses with frequent, predictable sales: a busy coffee roaster with wholesale and counter traffic, a multi-bay car wash, a boutique fitness studio with recurring memberships. The review leans on how money moves through the account, which is why owners with a dented personal score often look at this option first.
If your revenue comes in large, irregular checks rather than daily sales, working capital may be a better match. This side-by-side of revenue-based financing and a merchant cash advance can help you tell the two apart.
Read every offer closely. Merchant Fund Express presents the terms before you agree to anything, and you are never obligated to accept.
For illustration only, not our terms: a restaurant group with about $140,000 in monthly card sales wants to remodel a patio before summer. Rather than wait on a bank, the owner applies for an advance sized to that project. Repayment then moves with sales, so a strong July collects more and a slow week collects less, depending on how the agreement is structured.
About three months of business bank statements, a 5-minute application, and a soft credit pull to start. No tax returns are required. FICO 500 and up is considered, and sole proprietors can apply. This program is built for established businesses doing $60K or more a month. For qualified businesses, funding can arrive in as little as 24 hours.
Need it fast? Read about a same-day merchant cash advance, or go straight to the application.
Generally no. It is structured as the purchase of future receivables, which is why repayment is tied to your sales rather than a fixed loan schedule. Your agreement will spell out the specifics.
Card sales are common, but consistent deposits in your business account are what the review looks at. Ask about your specific revenue pattern when you apply.
FICO scores of 500 and up are considered. Revenue and deposit consistency carry significant weight.
No. Funding is provided through our partner Merchant Fund Express.
No. Funding and credit repair are separate services, and an advance should not be expected to raise your score.
Example uses for illustration only.
Advances are reviewed mostly on how consistently sales land in the account.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding