Both are repaid from what the business brings in. Built for established businesses doing $60K+ a month that want clarity first.
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Revenue-based options are available through our partner, Merchant Fund Express, with the total cost fixed up front so you know the number before you commit.
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 files can fund in as little as 24 hours. Apply in about 5 minutes with roughly three months of statements, no tax returns.
FICO 500+ is considered and the process opens with a soft pull. Your deposits tell most of the story.
The full repayment amount is in your offer before you accept. No surprise costs appear after you sign.
How and when repayment happens is laid out in your offer, so you can test it against slow months.
If you have run a business long enough to see a few funding offers, you have probably noticed these two sound alike. Each provides money up front. Each is repaid as a share of what comes in. Each sets the total cost in the agreement before you sign, rather than letting interest build over time. The differences are worth knowing before you compare offers.
A merchant cash advance traditionally centers on card sales and receivables. The funder purchases a portion of future sales and collects a share as those sales come in.
Revenue-based financing usually looks at total business revenue or bank deposits, not only card transactions. That makes it a natural fit for businesses that invoice, take ACH payments, or collect checks. See our revenue-based financing overview.
| Revenue-based financing | Merchant cash advance | |
|---|---|---|
| Based on | Overall revenue or deposits | Card sales and receivables |
| Repayment | A share of revenue or deposits | A share of sales or deposits |
| Total cost | Fixed up front in the agreement | Fixed up front in the agreement |
| Good fit for | Invoicing and mixed-payment businesses | Card-heavy storefronts and restaurants |
| Collateral | Generally not secured by specific assets | Generally not secured by specific assets |
For illustration: a plumbing company on commercial service contracts doing $120,000 a month, mostly by ACH and check, often has thin card volume, so a revenue-based review reflects the business better. A busy retail store doing most of its $95,000 a month on cards is a natural MCA profile. Larger operators with deposits that support bigger requests can explore larger revenue-based financing of up to $5,000,000.
Our side-by-side on merchant cash advance covers the MCA terms in more depth.
Both are available through our partner Merchant Fund Express from $25,000 to $5,000,000. The application takes five minutes, uses a soft credit pull to start, and needs about three months of business bank statements. No tax returns required, and FICO 500+ is considered. Apply now.
Not automatically. Cost depends on your file and the specific offer. Compare the total repayment amount on each agreement.
No. It typically looks at overall revenue and bank deposits, so invoicing businesses can be a good fit.
Generally neither is secured by specific assets, though a personal commitment from the owner may be part of the agreement.
For qualified businesses, as little as 24 hours. Faster timing depends on the file and the bank.
Yes. Funding is reviewed on business revenue, and FICO 500+ is considered. Credit repair is a separate service on its own track.
Example uses for illustration only.
Revenue-based reviews lean on your deposits, so make them easy to read.
One secure application. A soft credit pull to start. No obligation to accept an offer.
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