Merchant Cash Advance
Short-term working capital that moves with your sales.
A Merchant Cash Advance is not a loan. A funder advances you a lump sum today in exchange for a share of your future sales, and it is paid back in small, regular amounts until the agreed total is reached.
It is built for short, specific needs — stocking up before a busy season, covering a repair, or bridging a slow month. Because it is unsecured and quick to arrange, it costs more than a bank loan, so we walk you through the full payback amount before you decide anything.
What Determines Your Offer
- Monthly revenue and how steady your deposits are
- Time in business
- Credit profile
- Industry type
Required Documents
- 1-page application
- 3–6 months of business bank statements
- Driver’s license
- Voided check
Questions to Consider
- What exactly is the money for, and how soon will it pay for itself?
- Can the business comfortably carry a daily or weekly payment?
- Do you already have other advances or business debt?
Good to Know
- Often available to businesses that don’t yet fit a bank loan
- Best used for short-term needs, not long-term projects
- You see the total payback in writing before you sign
- If a lower-cost product fits you better, we’ll tell you
How It Works
- You receive a lump sum up front
- You repay a fixed, agreed total — not an interest rate
- Payments are taken daily or weekly from your bank account or card sales
- Terms are short, usually a few months to under two years