When speed matters more than anything else, a merchant cash advance puts capital in your account in 24 hours — sometimes the same day. Repayment is tied to your sales: more revenue means faster payoff, slower months mean smaller withdrawals.
A merchant cash advance isn't technically a loan — it's a purchase of your future sales at a discount. You get a lump sum today, and you repay it as a small percentage of your daily card sales or bank deposits until the total is satisfied. The structure has obvious advantages: no fixed monthly payment, slower months automatically mean smaller payments, and qualification is much more flexible than traditional loans.
The trade-off is cost. Merchant advances are expressed as a factor rate rather than an APR — we're upfront about that. But this product is useful to all businesses regardless of financial and credit ratings. Whether you need emergency capital, want to seize a time-sensitive opportunity, or simply need working capital fast, an advance can be structured to work for you. Talk with us and we'll show you how it can benefit your business.
Apply in the morning, see the money in your account by the end of the day.
Bad week? You pay less. Great week? You pay more. The structure adapts.
Approved based on your sales, not your credit score. 500 FICO can still get funded.
No liens on your equipment, real estate, or personal assets.
Merchant advances have the most accessible qualification of any product we offer — they're often available when nothing else is.
Emergency capital. When you need money tomorrow and can't wait for a traditional underwrite.
Time-sensitive opportunities. A one-time deal, a contract that needs upfront capital, a fleeting chance.
Bridge financing. While a larger loan is being processed, an advance can cover the gap.
Damaged-credit borrowers. Businesses healthy enough to fund but not qualify for conventional loans.
No application fee. No impact on your credit. A real conversation about whether this is the right tool for what you're trying to do.