A line you can draw again, or a single advance repaid from sales. For established businesses doing $60K+ a month planning their next stretch of growth.
See my fitCompare Funding Options
Compare a business line of credit and a merchant cash advance through our partner, Merchant Fund Express, using the same short application.
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 see funds in as little as 24 hours after a 5-minute application and about 3 months of statements. No tax returns.
FICO 500+ is considered, the first check is a soft pull, and consistent deposits carry weight.
Your offer lists the full repayment amount up front, whether you draw from a line or take an advance. No surprise costs after you sign.
The schedule sits in the offer itself, so you can see how repayment lines up with your sales cycle.
A business line of credit gives you a limit. You draw what you need, repay it, and draw again. A merchant cash advance delivers a lump sum in exchange for a portion of future sales, collected as a share of card sales or a set amount from deposits until the agreed total is delivered. One is built for repeat use; the other for a defined need right now.
| Factor | Line of credit | Merchant cash advance |
|---|---|---|
| How funds arrive | Draw as needed up to a limit | One lump sum |
| Reuse | Available again as you repay | A new advance requires a new agreement |
| How cost is set | Generally tied to what you draw | Total amount owed is fixed up front |
| How repayment flows | Scheduled payments on the drawn balance | Share of sales or deposits |
| What drives the decision | Deposits, credit, consistency | Sales volume and deposit history |
Specific costs and schedules appear only in your written offer. Read every line before signing.
Pull your last six months of outflows and mark each large payment as recurring or one-time. For illustration, a beverage distributor doing $160,000 a month might see a $40,000 supplier bill every five weeks, always ahead of customer payments. That repeating gap is what a line handles well: draw, collect, repay, repeat.
Compare that with a quick-service restaurant doing $85,000 a month in card sales that wants $70,000 for a patio build before summer. It is one project with a clear finish line, and repayment that moves with card sales lines up with how the restaurant earns.
Both options are offered through our partner Merchant Fund Express, from $25,000 to $5,000,000. We work with established businesses typically doing $60K or more a month. The application takes about 5 minutes, starts with a soft credit pull, and needs about three months of business bank statements, with no tax returns. FICO 500+ is considered. Decisions move fast, and funding can arrive in as little as 24 hours for qualified businesses.
Start your application and note whether your need is recurring or one-time; it helps shape the offer.
It depends on the offers and how you use them. Compare the total amount you would repay in each written offer for the same amount and timeline.
An MCA leans heavily on sales and deposit history, which can help owners rebuilding credit. Lines also consider credit. FICO 500+ is considered for both.
Some businesses do, but every obligation is weighed against your deposits. Be realistic about total daily and weekly payments before adding another.
It can if the provider reports to business bureaus. Ask before signing. Credit repair is a separate service from funding.
Generally as a share of card sales or a set amount from bank deposits on a recurring schedule, until the agreed total is delivered.
Example uses for illustration only.
Funders read both products off your statements, so tidy them up first.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding