Capital Upfront.
Simple and Fast.
A lump sum of business capital from $10,000 to $300,000, based primarily on the strength and cash flow of your business — not your credit history, over a term of 3–12 months. Decision in as little as 30 minutes.
Get My Funding OfferWhat a Business Cash Advance Actually Is
A Merchant Cash Advance is a purchase of a portion of your business’s future receivables. Unlike a traditional loan, an MCA is not subject to usury laws and repayment is typically structured as a fixed daily or weekly remittance from your business bank account. It is not a loan — it is the sale of future revenue at a discount.
Choose Your Advance Amount
Whether you need a quick injection or serious capital to scale, we have a solution built around your cash flow. Advances run from $10,000 – $300,000.
- 6+ months in business
- Quick turnaround
- Minimal documentation
- Bad credit considered
- All industries welcome
- Flexible remittance schedule
- No prepayment penalty
- Dedicated account manager
- Established businesses
- Custom deal structuring
- Priority processing
- Renewal options available
Terms run from 3–12 months. Your exact term, factor rate and remittance schedule are set during underwriting and disclosed in full before you sign. Figures shown are illustrative and are not an offer. All funding is subject to underwriting approval, account standing, and the terms of the applicable agreement.
Funding in Four Simple Steps
We've eliminated the complexity of traditional lending so you can focus entirely on running your business.
Not Sure Which You Need?
Take your capital in one lump sum, or keep an approved amount available and draw from it as needs arise.
Capital upfront. Simple and fast.
A lump sum based primarily on the strength and cash flow of your business.
Capital available when you need it.
An approved amount you draw from as opportunities arise, subject to approval.
Ready to Grow Your Business?
Apply today and receive a funding decision in as little as 30 minutes. No obligation. No hard credit check.
Business Cash Advance Questions
A Merchant Cash Advance is a purchase of a portion of your business’s future receivables. Unlike a traditional loan, an MCA is not subject to usury laws and repayment is typically structured as a fixed daily or weekly remittance from your business bank account. It is not a loan — it is the sale of future revenue at a discount.
Funding amounts range from $10,000 to $300,000 depending on your business’s revenue, cash flow, time in business, and other underwriting factors. The actual amount offered may differ from the amount requested and is subject to underwriting approval. Additional funding may be available upon renewal based on your account standing with us.
Terms vary based on your specific offer and are determined during the underwriting process. Minimum terms typically begin at 3 months, with maximum terms of up to 12 months for qualified applicants. All terms are disclosed in full prior to signing your agreement. We encourage you to review all terms carefully and seek independent advice if needed.
To be considered for funding, your business must: (1) be registered and operating in the United States, (2) have at least 6 months of business history with verifiable revenue, and (3) be able to provide a minimum of 3 months of business bank statements. Additional criteria may apply based on underwriting review.
In most cases, we only require a completed application and your last 3 months of business bank statements. No tax returns, business plans, or complex financial statements are required for initial review. Additional documentation may be requested during underwriting depending on the deal size and business profile.
Repayment is structured as a fixed daily or weekly ACH remittance from your business bank account. The remittance amount is agreed upon before signing and remains consistent throughout the advance term. Because it is a fixed remittance rather than a percentage of sales, the payment does not fluctuate with your revenue.
The cost of an MCA is expressed as a factor rate rather than an APR or interest rate. Your factor rate and total cost of capital will be clearly disclosed in your offer and agreement before you sign. Costs vary based on your business profile, funding amount, and term. Because MCAs are not loans, they do not carry traditional interest — you only pay the agreed-upon factor rate for the duration of your advance.
No. There are no early repayment penalties. If you choose to pay off your advance ahead of schedule, you are only responsible for the remaining balance owed — you do not pay additional charges for paying early. Some offers may include a prepayment discount; your offer will specify the exact terms.
Yes. Many of our clients renew their advance once their current balance is paid down or in full. Renewal eligibility and amounts are based on your account standing, current business performance, and underwriting review at the time of renewal. Renewal is not automatically guaranteed.