A payment that flexes with sales, or one that holds steady on a schedule. Built for established businesses doing $60K+ a month that forecast their cash.
Run my numbersCompare Funding Options
Look at both a merchant cash advance and a working capital loan through our partner, Merchant Fund Express, and compare them on your own deposits.
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.
For qualified businesses, funds can land in as little as 24 hours. About 3 months of statements and a 5-minute application; no tax returns.
Applying starts with a soft pull and FICO 500+ is considered. Revenue consistency carries real weight.
Both products show the full repayment amount in your offer before you accept. No surprise costs after you sign.
Your offer lays out how and when repayment happens, so you can stress-test it against slow and busy months.
On funding day, an MCA and a working capital loan can look identical: money lands in your account for inventory, staffing, or a growth push. What separates them is the structure underneath.
| Factor | Working capital loan | Merchant cash advance |
|---|---|---|
| Structure | Borrowed funds with a repayment schedule | Advance against future sales |
| Payment amount | Set in advance | Can rise and fall with sales, depending on the agreement |
| Total cost | Shown in your offer | Fixed up front in your offer |
| Fits best | Steady, predictable revenue | Card-heavy or variable sales |
We do not publish rates or terms. Each written offer through Merchant Fund Express spells out what you repay and how.
Picture a boutique fitness studio averaging $72,000 a month that drops to $54,000 in August. For illustration only, suppose both products called for roughly $9,000 of repayment in a normal month.
| Month | Sales | Fixed-schedule payment | Sales-linked payment |
|---|---|---|---|
| June | $72,000 | $9,000 | $9,000 |
| August | $54,000 | $9,000 | about $6,750 |
| October | $80,000 | $9,000 | about $10,000 |
The sales-linked version eases in August and speeds up in October. The fixed version is easier to forecast. Neither is automatically better; it depends on how your revenue moves. If dips are your main worry, see slow-month cash flow funding.
Your deposits barely move month to month, you prefer a known payment, and the use of funds has a clear payback.
A large share of revenue comes through card sales, your volume swings with seasons or weather, and you would rather have payments track what actually comes in.
More detail lives on our working capital and merchant cash advance pages.
One application covers both. It takes about 5 minutes, begins with a soft credit pull, and needs about three months of business bank statements; no tax returns required. We work with established businesses typically doing $60K or more a month, FICO 500+ is considered, and sole proprietors can apply. Funding ranges from $25,000 to $5,000,000 and can arrive in as little as 24 hours for qualified businesses. Apply now.
Generally no. It is structured as a purchase of future sales. A working capital loan is borrowed money repaid on a schedule. Your agreement defines the exact structure.
Both move quickly. Decisions come fast, and funding can arrive in as little as 24 hours for qualified files.
Future offers depend on your deposits and obligations at that time. Discuss your plans when you review any offer.
Yes, alongside revenue. FICO 500+ is considered, and deposit history carries real weight in both.
Funding is not a credit improvement tool. If you are working on credit, treat that as a separate project.
Example uses for illustration only.
A clean statement history helps either product price well.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding