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Merchant Cash Advance
Capital against tomorrow’s sales, priced as one clear factor rate.
At a glance
Advance today against the sales you have not made yet
We purchase a fixed amount of your future receivables at a discount and advance the cash now. Remittance comes out of daily card sales, so the obligation moves with your takings instead of landing on a fixed date.
Best suited to: Card-heavy and seasonal businesses — restaurants, salons, retail, auto.
Remitted from daily card sales- Advance amount$10,000 – $2,000,000
- RemittanceA set percentage of daily card sales
- Typical duration4 – 18 months
- Funding speed24 – 48 hours
- Cost structureOne flat factor rate, fixed at signing
- CollateralNot required
What you get
How this works in practice
- One clear factor rate. No hidden fees and no prepayment penalties.
- Remittance flexes with sales, so a slow week costs proportionally less.
- No collateral — your business performance is the asset.
- Settlement runs automatically through your processor.
- Renewal available once a substantial portion is remitted.
Simple step process
Application to funded, in three steps.
Apply in under ten minutes
A short form and a read-only look at your business bank activity, so we see real revenue rather than typed figures. No fee, no obligation.
Get a tailored offer
We review time trading, revenue and payment history — the whole business, not one number. Most applicants hear back the same day.
Funded in 24 to 48 hours
Choose your structure, sign electronically, and the money moves. Advances typically land within 24 hours.
What we look at
Four things. That’s the whole list.
We underwrite on how the business actually trades — revenue moving through the account, time in operation, and how you have handled what you already owe.
6 months in business
Your business has been trading and taking revenue for at least six months.
$15,000 monthly revenue
Around $15,000 a month or more, evidenced by recent bank statements.
Business bank account
An active business account in the legal name of the company.
U.S.-based operation
Registered and trading in the United States.
Questions
About cash advance
No. It is the purchase of a fixed amount of your future receivables at a discount. It carries no interest rate and no annual percentage rate — the cost is a flat factor rate agreed before funding, and there is no fixed maturity date.
Remittance is a percentage of what you actually take, so it falls when sales fall. That is the core difference between an advance and a fixed monthly loan payment.
An advance or revenue-based facility can fund within 24 to 48 hours of approval. Term loans and lines of credit typically fund within 48 hours. The application itself takes under ten minutes.
Yes. We look at your business as a whole — time trading, revenue moving through the account, and your payment history with existing obligations — rather than a single three-digit score. That said, every application is subject to review and we cannot approve every business that applies.
Other structures
Not quite the right fit?
Business Term Loan
$25,000 – $1,000,000Loan amount
One lump sum, one fixed monthly payment, one end date on the page.
ExploreBusiness Line of Credit
$10,000 – $500,000Revolving limit
A limit that sits ready and refreshes every time you repay.
ExploreRevenue-Based Financing
$25,000 – $1,500,000Facility size
Repayment sized as a share of revenue, not a number on a calendar.
ExploreNext step
See what your business qualifies for.
Ten minutes to apply. No fee, no obligation, and a real answer the same day.