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Revenue Based Funding

Merchant Cash Advances

The absolute fastest way to secure working capital. We advance you cash based on your future sales, with flexible repayment that fluctuates naturally with your daily revenue volume.

See How Much You Qualify For

Program Details

  • Funding Speed As little as 2-24 Hours
  • Repayment Style Percentage of daily credit card sales
  • Credit Requirements Very lenient; driven by cash flow

Urgent Capital When Banks Say No

Sometimes, business opportunities or emergencies don't wait for a 6-week bank underwriting process. A walk-in cooler breaks down at your restaurant, you need to buy holiday inventory immediately, or you have the sudden chance to buy out a partner.

A Merchant Cash Advance (MCA) is designed specifically for these high-speed, high-need scenarios. By underwriting based on the actual health of your daily revenue rather than just your personal credit score, we can approve and fund MCA requests in a matter of hours.

Flexible Repayment That Breathes With You

Technically, an MCA isn't a loan; it's the purchase of your future revenue. Instead of a rigid fixed monthly payment that can choke your cash flow during a slow season, repayment is made automatically by taking a small, agreed-upon percentage of your daily credit card sales or bank deposits.

The Flex Advantage: If you have a slow week due to weather or seasonality, the dollar amount of your payment automatically decreases. If you have a blockbuster week, your payment increases so you pay off the advance faster. The payment is exactly perfectly proportional to what your business can handle that day.

Key Benefits

  • Unmatched funding speed (hours, not weeks)
  • Payments match your actual daily cash flow
  • Bad credit or recent bankruptcies often accepted
  • No hard collateral required
Best Used For:

Retailers, restaurants, medical practices, e-commerce, or any B2C business needing urgent, unsecured capital to survive an emergency or seize a fleeting opportunity.

Minimum Qualifications

Time in Business: 4+ Months
Min. Revenue: $10k / Month
FICO Score: 500+
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Based purely on the last 3-4 months of business bank statements.

Frequently Asked Questions

Understanding Merchant Cash Advances and Revenue Based Funding.

Rarely. Because an MCA is based on the historical strength and consistency of your daily business revenue, your personal FICO score is a secondary factor. We regularly fund business owners with credit scores in the 500s, provided the business itself generates healthy, consistent daily deposits.

There are two primary methods: Split Withholding and ACH Withholding. With Split Withholding, our payment processing partner automatically splits a small, agreed-upon percentage of your daily credit card batch before it hits your bank account. With ACH, we pull a fixed daily or weekly micro-payment directly from your business checking account based on your revenue history.

An MCA carries a higher cost of capital because it is entirely unsecured, requires no physical collateral, accepts lower credit profiles, and is funded incredibly fast (often essentially overnight). The lender is taking on significantly more risk to provide convenience and speed. It is best used for high-ROI opportunities or urgent emergencies where the cost of *not* having the money is worse than the cost of the advance.
Fast Application

Get Cash in 24 Hours

Fill out our simple form to see how much capital you can access today based on your sales volume.