Financing / Merchant cash advance
Merchant cash advance
An advance against your future sales. Fast working capital with flexible qualification, repaid from your sales.
| Amounts | $5,000 to $500,000 |
|---|---|
| Typical term | About 3 to 12 months |
| Remittance | Daily or weekly debits |
| Time in business | Often 6 months or more |
| Revenue | Often $10,000+ per month |
| Personal credit | Flexible |
| Priced as | Factor rate |
How it works
A funder buys a portion of your future receivables at a discount. You receive cash now, and the funder collects the purchased amount through fixed daily or weekly debits from your business account.
A merchant cash advance is not a loan. It is priced with a factor rate: multiply the amount you receive by the factor rate to get the total payback. We lay out the payback, payment and expected term for every offer before you sign.
A good fit when
- You need funds within days and have a clear plan to use them.
- Your sales are steady enough to support frequent debits.
What to watch for
- Payments are debited daily or weekly, so build them into your cash-flow plan.
- Taking a second advance on top of an open one (stacking) can choke cash flow. We size deals to avoid it.
- Read the reconciliation clause. It lets you ask for lower payments if sales drop.
Guidelines vary by funder and change over time. Meeting them does not guarantee approval, and some funders approve outside them. We'll tell you where your business stands after we review your application.
Other options
Fuel for what's next.
One application, multiple funders, and every offer explained in plain numbers. Applying is free, and there are never upfront fees.