For established businesses doing $60K+ a month: quick decisions, and funding in as little as 24 hours for qualified files. Faster depends on your file and bank.
See my advanceMerchant Cash Advance
Apply in about five minutes and get a fast read on your sales-based advance through our partner, Merchant Fund Express.
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.
Funding can land in as little as 24 hours for qualified businesses. Send about three months of statements, skip the tax returns, and finish the application in five minutes.
FICO 500+ is considered and the first look is a soft pull. Steady card and bank deposits often matter more than an old score.
Your offer shows the total repayment amount before you accept, so there are no surprise costs after you sign.
The collection schedule is laid out in your offer up front, so you can map it against your sales calendar.
When an owner types "same day merchant cash advance" into a search bar, they usually have a specific number and a specific deadline in mind: a supplier wants a deposit by Friday, or a seasonal order has to be placed before a price change. The honest version of speed looks like this: the application takes about 5 minutes, decisions move fast, and funding can arrive in as little as 24 hours for qualified businesses. Anything faster than that depends on how complete your file is and how quickly the banks involved process the transfer.
We do not promise same-day money. We do keep the steps short so that nothing on your side slows it down.
An MCA is an advance against your future sales. Instead of a fixed monthly loan payment, the provider collects a share of your card sales or a set amount from your bank deposits on a recurring schedule until the agreed amount is delivered. Because it follows your revenue, it is built for businesses with steady deposits, which is why it fits owners doing $60K or more a month who may not have a perfect credit file.
Through our partner Merchant Fund Express, advances range from $25,000 to $5,000,000. Your exact amount and terms come in the offer itself, so read every line before you sign.
A forward-looking owner sizes the advance to the opportunity, not to the maximum available. Here is a simple planning exercise, for illustration only:
| Item | Example figure |
|---|---|
| Average monthly deposits | $140,000 |
| Inventory order you want to place | $45,000 |
| Expected gross margin on that order | $30,000 |
If the margin on the order comfortably covers the cost of the advance and the daily or weekly remittance still leaves room for payroll and rent, the request makes sense. If not, a smaller amount or a different product, such as a business line of credit, may fit better.
No tax returns are required, and the process starts with a soft credit pull. FICO scores from 500 are considered, because deposits carry most of the weight. You can read more in what funders look at.
Our core work is credit repair, and it remains a separate service. You do not need to fix your credit before applying for funding, and funding does not change your credit score. Many owners apply based on revenue now while they continue building personal and business credit on their own timeline. Funding itself is provided through Merchant Fund Express, our funding partner.
Ready to see a number? Start the 5-minute application.
Decisions move quickly, and funding can arrive in as little as 24 hours for qualified businesses. Faster timing is not promised; it depends on your file and on bank processing.
Generally as a share of card sales or a fixed amount from your bank deposits on a set schedule. Your offer spells out the exact method.
An MCA is based mainly on your sales history. Any specific requirements are listed in the offer you receive from Merchant Fund Express.
The process starts with a soft credit pull, which does not affect your score.
Yes. Sole proprietors can apply, and the review centers on the business's bank deposits.
Example uses for illustration only.
A few habits can make your sales history easier for a funder to read.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding