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Merchant Cash Advance

Repayment that moves with your sales, not against them.

U.S.-based advisorsOne person, start to finish

Funding in 24 hoursOn most approved applications

Transparent termsTotal cost shown before you sign

12+ years in businessFunding U.S. small businesses since 2014

At a glance

Repayment that flexes with the till

A purchase of a fixed portion of your future card receivables. Remittance is a set percentage of each day’s sales, so a slow week costs you less than a busy one.

Best suited to: Card-heavy businesses — restaurants, salons, retail — with seasonal or uneven revenue.

Advance amount$5,000 – $500,000
RemittanceA fixed % of daily card sales
Funding speedAs soon as 24 hours
Typical duration4 – 18 months, varies with sales
Cost structureA flat factor rate agreed up front
CollateralNot required

Apply for Merchant Cash Advance Talk to an advisor

Customer tapping a bank card on a payment terminal at a shop counter

What you get

How this option works in practice

Remittance is a share of sales, so slow days cost you proportionally less.
The factor rate is fixed and disclosed before you accept.
Settlement is automatic through your card processor — nothing to remember.
No fixed monthly payment to meet during a quiet season.
Works alongside your existing processor in most cases.

How it works

Three steps, one advisor, no runaround

See the full process

Tell us about your business

A short application — business details, what the funds are for, and a connection to your business bank account so we can see real revenue. Most owners finish in under ten minutes.

Talk to a real advisor

A U.S.-based advisor reviews your file and calls you. They walk you through which of the five options fit, what each one actually costs, and which they’d pick in your position.

Sign and get funded

Choose your option and sign electronically. On most approved applications funds are on the way the same business day.

What we look at

Four things, and none of them are a mystery

We look at how your business actually performs — time in operation and real revenue in the bank — not at a number on a report.

12 years in business

Your business has been operating and generating revenue for at least twelve years.

$100,000 annual revenue

Gross annual revenue of $100,000 or more, evidenced by your recent bank statements.

Business checking account

An active business bank account in the legal name of the company.

U.S.-based operation

Your business is registered and operating in the United States.

Questions

About merchant cash advance

No. It is the purchase of a fixed amount of your future card receivables at a discount. Because remittance flexes with your sales volume, there is no fixed monthly payment and no set maturity date.

In most cases, no. We work with the majority of major processors. Your advisor will confirm compatibility during the application.

For a line of credit, term loan, merchant cash advance or equipment financing, most approved applications are funded within 24 hours, and many the same business day. SBA loans are the exception — those run 30 to 90 days because of the documentation and review the programs require.

Nothing. There is no application fee and no obligation to accept anything you are offered. You will see the complete cost of capital before you sign a funding agreement.

Four things: at least twelve years in business, $100,000 or more in gross annual revenue, an active business checking account in your company’s name, and a U.S.-based operation. Your advisor will tell you exactly which products fit.

Other options