Home / Merchant Cash Advance

Merchant Cash Advance

Our flagship. Capital against tomorrow’s sales, funded from our own balance sheet.

15 yrsFunding U.S. small business since 2011

8Financing structures under one roof

24 hrsFastest time to funded

Own capitalDirect on our core products

At a glance

Capital against the sales you have not made yet

We purchase a fixed amount of your future receivables at a discount and advance you the cash today. Remittance is weekly, so the obligation tracks the rhythm of your business rather than an arbitrary calendar date.

Best suited to: Card-heavy and seasonal operators — restaurants, salons, retail, hospitality.

Weekly payments

Advance amount$10,000 – $2,000,000
RemittanceWeekly
Typical duration4 – 18 months
Funding speedAs soon as 24 hours
Cost structureA flat factor rate, fixed at signing
CollateralNot required

Apply for Cash Advance Talk to a desk

Customer paying by card at a counter in a small takeaway restaurant

What you get

How this works in practice

Weekly remittance, drawn automatically — nothing to diarise.
The factor rate is fixed and disclosed in full before you sign.
No collateral and no fixed maturity date.
Funded from our own capital, so the decision is ours to make.
Renewal available once a substantial portion is remitted.

How it works

Three steps. One desk.

See the full process

Send us the file

A short application and a read-only look at your business bank activity. Ten minutes, no fee, no obligation.

We decide

Our own underwriters review it. On core products the capital is ours, so the answer comes from us — not a panel you never meet.

Sign and get funded

Terms in writing, total cost on the page. Sign electronically and funds move — in as little as 24 hours.

What we look at

Four things. None of them a mystery.

We underwrite on how the business actually trades — time in operation and real revenue moving through the account.

1 year in business

Your business has been trading and generating revenue for at least twelve months.

$180,000 annual revenue

Gross annual revenue of $180,000 or more, evidenced by recent bank statements.

Business bank account

An active business account in the legal name of the company.

U.S.-based operation

Registered and trading in the United States.

Questions

About cash advance

No. It is the purchase of a fixed amount of your future receivables at a discount. Because it is not a loan it carries no interest rate and no annual percentage rate — the cost is a flat factor rate agreed before funding. Your agreement sets out the purchased amount, the remittance and the total in full.

Weekly remittance is what makes the structure work: smaller, more frequent amounts track your sales cycle instead of landing as one large monthly charge. Every other product we offer is repaid monthly.

A merchant cash advance, working capital loan or equipment approval can fund in as little as 24 hours. Term loans and lines of credit typically run 48 hours. Commercial real estate runs 30 to 60 days and SBA 30 to 90 — those two involve more documentation and, in the SBA case, a participating lender.

Every product we offer repays monthly except the merchant cash advance, which remits weekly. That is deliberate: weekly remittance is what lets an advance track your sales rather than land as a single monthly charge.

Other structures