Merchant cash advance for businesses with steady revenue.
See if your business meets the minimums we screen for in {{FORM_DURATION}}.
We are a broker, not a funder. How we are paid
Who this fits
- Businesses with steady monthly deposits you can show on bank statements.
- Owners who can cover a daily or weekly payment from normal sales, not from savings.
- Owners who need money soon and have weighed the total cost first.
Who it doesn't
- New businesses without a revenue history.
- Seasonal businesses heading into their slow months.
- Anyone whose margins are already thin. A fixed daily payment leaves little room.
- Anyone who can wait for cheaper financing.
- Anyone who wants money to cover losses with no plan to turn them around.
We screen for minimums on monthly revenue, time in business and open advances. The form checks yours before it asks for a phone number.
What an advance costs
The funder pays you a lump sum. You pay back a larger total, in daily or weekly payments taken from your sales or bank account. The gap between what you receive and what you pay is the cost, and it is the number to compare.
Funders quote a multiplier called a factor rate. It sets the total, but it does not tell you the cost over time, because it ignores how quickly you pay. The factor rate calculator turns it into a payment and an APR estimate, and how cost works covers the questions to ask before you sign.
An advance next to the alternatives
| Option | How you pay | Cost compared with an advance | Fits when |
|---|---|---|---|
| Merchant cash advance | Daily or weekly payments from sales until a set total is paid | Usually the highest total cost of these options | You need money soon, have steady deposits, and cannot qualify for the options below |
| Term loan | Fixed monthly payments over a set term, with interest | Usually lower total cost if you qualify | You can wait for underwriting and meet credit and documentation requirements |
| Line of credit | You draw what you need and pay interest on the balance | Often lower, and you pay only for what you use | Your needs come and go and you want money available in advance |
| SBA loan | Monthly payments over a long term | Often the lowest interest of these options | You can wait weeks for a decision and have the paperwork and history to support it |
An advance is usually the costliest option here, so compare the total cost before you choose one.
This table is general. Cost and speed vary by lender, by funder and by your business.
How it works
- Answer five questions. Amount, monthly revenue, time in business, open advances and state.
- We check them against the minimums we screen for. This happens in your browser. If you are under a minimum or in a state we cannot serve, you see that and nothing is sent.
- Give your contact details. You meet the minimums we screen for, so we ask for a name, business, mobile and email.
- A person calls. {{NAMED_PERSON}} or a teammate goes over your request and what funders will ask for, usually recent bank statements.
- A funder may offer terms. You read the agreement and decide.
Who you are dealing with
{{NAMED_PERSON}}, {{NAMED_PERSON_TITLE}}, is accountable for requests that come through this site.
We are a broker, not a funder. {{ENTITY_LEGAL_NAME}} introduces businesses to funders. Funders decide whether to offer an advance and on what terms.
How we are paid: {{COMPENSATION_STATEMENT}}
- Company
- {{ENTITY_LEGAL_NAME}}
- Address
- {{ENTITY_ADDRESS}}
- Phone
- {{ENTITY_PHONE}}
- {{ENTITY_EMAIL}}
Questions
What is a merchant cash advance?
A funder buys a portion of your future receipts at a discount. You receive a lump sum, then make daily or weekly payments until the agreed total has been paid. It is a purchase of future receivables; payment terms are set by the funder's agreement.
Does this form check my credit?
No. This form does not check your credit. Funders may check later, and we tell you before that happens.
What does an advance cost?
The total paid to the funder is higher than the amount you receive, and the difference is your cost. The factor rate is the multiplier a funder applies to the advance to set that total. The factor rate calculator on this site works out the payment for your own numbers; your terms come from the funder's agreement.
Are you a funder?
No. We are a broker, not a funder. We may share your request with the funders we work with, and they decide whether to offer terms.
Do I have to agree to calls and texts?
No. On our form the consent box for calls and texts is optional and starts unticked. Agreeing is not required to submit the form or get any service. Without it, a person may still call you about your request.
Which states can you help in?
We cannot take requests from some states right now. Our form tells you right after you choose your state, before it asks for a phone number.