A merchant cash advance is a type of business funding where we provide capital in exchange for a portion of your future receivables.

Instead of fixed monthly payments, repayment is based on your business’s incoming revenue. This makes it a flexible option for businesses with fluctuating cash flow or seasonal sales patterns.

No. A merchant cash advance is not a traditional loan.

It is structured as a purchase of your business’s future receivables. Because of this, it does not follow the same structure as bank loans or lines of credit, and approval is often based more on revenue than credit history.

Repayments are typically made through daily or weekly ACH withdrawals from your business bank account.

In some cases, repayment may be structured as a percentage of your daily sales. This allows payments to adjust based on your business performance, helping to maintain cash flow during slower periods.

Approvals can often happen the same day, with funding typically deposited within 24 hours after approval.

The exact timeline may vary depending on how quickly documents are submitted and reviewed, but the process is designed to be fast and efficient compared to traditional financing options.

Yes. In many cases, businesses can still qualify even if they currently have another advance.

Each situation is reviewed individually. We take a practical approach and look at your overall business performance, not just your current obligations.

The process is simple and requires minimal documentation.

Most applications require:

• A short application form

• Basic business information

• Approximately 3 months of business bank statements

Additional documents may be requested depending on the specifics of your business.

No. We do not charge upfront application fees to review or process your funding request.

Our goal is to make the process straightforward and accessible, without unnecessary barriers or hidden costs at the start.

Initial reviews typically involve a soft credit check, which does not affect your credit score.

In some cases, additional review steps may be required, but we prioritize a process that allows business owners to explore their options without unnecessary impact.