An advance against future receivables, repaid as a share of revenue. A fit for card-heavy businesses doing $60K+ a month.
Price my advanceMerchant Cash Advance
Get an advance on future sales through our partner, Merchant Fund Express and see the total repayment amount before you accept.
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.
After a 5-minute application and about 3 months of statements, qualified businesses can be funded in as little as 24 hours.
FICO 500+ is considered with a soft pull to start. Your card and deposit volume carries the most weight.
Your offer states the full repayment amount before you accept, with no surprise costs once you sign.
How and when remittances are collected is laid out in your offer up front, before anything is final.
If your revenue comes in daily through card terminals or online checkout, a merchant cash advance can line up neatly with how money already flows through your business. Restaurants, retail shops, salons, auto repair centers, and e-commerce brands are common fits. Through our partner Merchant Fund Express, advances range from $25,000 to $5,000,000.
A merchant cash advance is not a traditional loan. You receive a lump sum in exchange for a portion of future receivables. Repayment is typically collected as a share of your sales, so a strong week sends more back and a slower week sends less. The review focuses on your recent deposits, which is why about three months of business bank statements matter more than your tax history. No tax returns are required.
Growing businesses rarely have flat months. For illustration, picture a boutique that does $75,000 in March, $95,000 in May, and $68,000 in August. A fixed payment feels heavier in August. A sales-based structure adjusts to that rhythm instead of fighting it. These figures are for illustration only, but the logic is why many seasonal owners prefer this structure.
On a deadline? See our fast merchant cash advance page.
FICO 500+ is considered. The advance is weighted toward your sales history, which is useful for owners whose personal credit took a hit during an earlier stage. Credit repair is a separate service; you do not need it to apply, and an advance will not change your score. Read how revenue offsets credit for the details.
The process starts with a soft credit pull and a short form. Sole proprietors can apply. Qualified businesses can see funds in as little as 24 hours. Start your application, or compare all options on our business funding hub.
No. It is an advance against future receivables, typically repaid as a share of sales rather than through a fixed loan payment.
Businesses with steady sales volume, such as restaurants, retail, salons, auto repair, and e-commerce, often find the structure fits their cash flow.
About three months of business bank statements. No tax returns are required.
FICO 500+ is considered, and the review weighs your sales history heavily.
Qualified businesses can be funded in as little as 24 hours. Having about three months of statements ready and business details that match your bank account keeps the review moving.
Advances are provided through our partner, Merchant Fund Express.
Example uses for illustration only.
Advances are priced off your sales flow, so make that flow easy to read.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding