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Funding program

Merchant Cash Advance

Payments flex with your sales — lighter in slower months.

Funding amount
$5k – $500k
Repayment
Daily or weekly ACH
Factor rate
10% – 35%
Time frame
24–48 hours

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Merchant Cash Advance

Is it right for you?

Pick a cash advance when speed is everything and your card sales are steady. Payments rise and fall with what you sell.

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Often used for

  • Retail and restaurants
  • Card-heavy businesses
  • Funding inside 48 hours
  • Owners with bruised credit

The basics

What a merchant cash advance actually is

A merchant cash advance is funding against the sales you are already making, repaid as a share of them. When trade is slow the payment is smaller; when it picks up, the advance clears faster.

It is the quickest of the six to arrange and the most expensive of the six to carry, and a specialist here will say so — which is the part of this job that is worth anything.

Repayment follows trade.
Lighter in a slow week, heavier in a good one.
Fastest to fund.
Often in the account within 24 to 48 hours.
Card revenue is the qualifier.
Less weight on credit than the other five.

Step by step

How a merchant cash advance works

  1. Apply with your sales historyCard sales and bank deposits show what the business can carry.
  2. Get an advance and a factor rateThe total payback is set up front: the advance plus its factor rate.
  3. Repay as you sellA share of sales, or a set daily or weekly debit, until the total is paid.

Start my application

A pre-approval being shaped into terms that fit.

Qualifying

What lenders look at

No single number decides it. Lenders weigh the whole picture of the business.

  • Monthly salesCard and bank deposits are the main qualifier.
  • ConsistencySteady sales month to month matter more than one big month.
  • Time in businessShows the sales are likely to continue.
  • Existing advancesLenders check what the business is already repaying.

Good to know

The upside

  • The fastest of the six, often 24–48 hours
  • Payments follow your sales
  • Credit counts less than revenue

Worth weighing

  • The most expensive of the six to carry
  • The total payback is fixed, so paying early may not reduce it

Every offer shows its full cost and terms before you decide, and a specialist goes through them with you.

Why apply with us

One application, 50+ lenders competing for it.

  • A real person reads your fileA U.S.-based specialist reviews every application. No bots, no runaround.
  • 50+ lenders, one applicationYour file goes to the whole network at once, so the offers compete for you.
  • Prices up frontEvery offer comes with its full cost and term before you decide. No surprise fees.
  • American small business onlyFrom one-person shops to multi-location companies — it is all this team does.
A U.S.-based specialist, reading a file rather than scoring it.

Questions

Merchant Cash Advance, answered

Still deciding? Call (844) 312-1444 and a specialist will talk it through.

What is a factor rate?

It sets the total you repay. In this program it runs from 10% to 35% of the advance, fixed before you sign, so you know the whole cost up front.

Is a cash advance a loan?

No. It is a purchase of future sales, repaid from them, which is why approval leans on revenue rather than credit.

Can I get one with bad credit?

Often. Steady sales matter more than a credit score for this program.

Will applying hurt my credit score?

No. Checking your options uses a soft pull, which does not affect your score. A hard pull only happens if you choose to go ahead with a specific offer, and only with your permission.

Get a free quote

Get a free quote.

One application, real offers, and no obligation to take any of them. Starting does not affect your credit.

Rather talk to somebody first? (844) 312-1444.

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