Capital that moves with your sales.
Merchant Cash Advance
A merchant cash advance is a purchase of a portion of your future receivables. You receive a lump sum now and remit a fixed percentage of revenue as it comes in — so payments naturally scale with your business.
- Funding amounts
- $250K – $5M
- Time to fund
- As fast as 24 hours
- Remittance
- % of daily or weekly sales
- Collateral
- None required
Key benefits
Why operators choose it
Approval based on performance
We underwrite on real revenue and deposit history, not just a credit score.
Payments that flex
Slower week, smaller remittance. Strong week, you pay down faster. Nothing to renegotiate.
Nothing pledged
No real-estate liens, no equipment collateral, no hard credit pull to apply.
Fast and clear
Same-day offers with the total cost of capital stated as one number, before you sign anything.
Ideal use cases
- Buying inventory ahead of a busy season
- Covering an urgent equipment repair or replacement
- Bridging a gap while receivables clear
- Funding a marketing push with a clear return
Who it's best for
- Restaurants, retail, e-commerce, and service businesses with consistent card or ACH volume
- 6+ months in business
- $50K+ in monthly revenue
- Operators who need speed more than the lowest possible cost of capital
Questions
Common questions about merchant cash advance
No. It is a purchase of future receivables at a discount. That is why pricing is stated as a factor rate and total payback, not an interest rate.
Your remittance is a percentage of revenue, so it slows down with you. If you need a reconciliation, your specialist can review actual sales and adjust.
Yes. Many of our advances include early-payoff discounts. Ask your specialist for the exact schedule on your offer.
Ready to fund with merchant cash advance?
Apply in minutes. Get a clear answer fast.