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Working capital repaid from future card sales, with funding decisions in 24–48 hours.
A merchant cash advance gives a business a lump sum now in exchange for a fixed amount of its future card receivables. Repayment is a set percentage of daily card sales, so it rises and falls with your revenue. We arrange advances through our funding partners and stay with you through the paperwork.
Scoped to your business in a written quote. Pick the parts you need; we don't bundle what you don't.
Sized to your monthly card volume, typically one to one-and-a-half times monthly sales.
Pre-approval in 24 hours and funding within 48 hours of signed agreement for most applicants.
Six months or more in business, $10,000+ monthly card sales, and a business bank account. Credit score is a factor but not a barrier.
One factor rate stated up front. No hidden fees, no compounding interest.
A fixed percentage of card receipts, collected automatically. Slow days mean smaller payments.
Once 50% of the advance has been remitted, most merchants qualify for a renewal.
The order of these steps is the order your project moves through. You get an update at each one.
A short form plus three months of bank and card-processing statements.
A written offer stating the advance amount, factor rate, total payback and remittance percentage.
E-sign the agreement; funds typically arrive within one to two business days.
Payments come out of card settlements automatically; renew once half is repaid.
No. It is a purchase of future receivables at a discount, governed by a purchase agreement rather than a loan contract. Nothing on this website is financial advice; consider independent advice before signing.
Pricing is a factor rate, commonly between 1.1 and 1.5. An advance of $50,000 at 1.3 means a total payback of $65,000, remitted as a percentage of card sales until paid.
Businesses in the USA with at least six months of trading, consistent card sales and a business bank account. Restaurants, retail, salons, auto services and e-commerce are typical.
Written quote or proposal within 48 hours. No obligation.
