Working capital for business owners

Capital when your business needs it most.

Funding is structured as a merchant cash advance with a fixed factor rate, not a traditional APR-based loan. Minimal paperwork, with funding available as quickly as one business day.

Apply for funding See what to prepare

The application opens in a new tab. Terms, pricing, and eligibility are subject to underwriting review.

Merchant cash advance

Offer profile

Funding range: $2,000 to $2,000,000
Speed: As fast as 1 business day
Time in business: 6+ months
Monthly revenue: $10,000+
Structure: Factor rate 1.15 to 1.49
Repayment: 30 days to 24 months

Reviewed file by file. Subject to underwriting review.

$2K–$2M

Funding range

1 day

Possible funding speed

Months in business profile

$10K+

Monthly gross revenue

Capital designed around business momentum

Every file is reviewed individually based on revenue, time in business, credit profile, cash flow, and existing obligations.

Funding amounts: $2,000 to $2,000,000, with an average funded deal around $75,000.
Factor rate range: 15% to 49%, based on business performance and underwriting review.
Repayment terms: 30 days to 24 months, with daily, weekly, bi-weekly, or monthly options.
Repayment methods: ACH debits or credit card processing holdbacks, depending on structure.
Use of funds: Inventory, payroll, marketing, expansion, consolidation, or operating cash flow.
Renewal potential: Once a business repays about 50% of its balance, it may become eligible for additional funding.

Who this fits

Businesses generating at least $10,000 per month in gross revenue.
Operators with at least six months in business who need fast access to capital.
Owners who prefer limited paperwork or may not qualify for bank financing.
Companies seeking to consolidate existing advances and improve cash flow.

What to prepare

Completed one-page data form or application.
Three to six months of business bank statements.
Driver's license and a voided business check.
Additional items may include ownership proof, financials, tax returns, P&L, balance sheet, or A/R reports.

A streamlined path from intake to funding

Fast funding. Minimal paperwork. Flexible options. Full-service execution.

Step 1: Identify the need
Clarify new capital, consolidation, or both.
Step 2: Review the file
Evaluate revenue, credit, obligations, and cash flow.
Step 3: Structure options
Match the business with flexible funding terms.
Step 4: Fund quickly
Move from approval to capital delivery.

Apply for funding

Quick application. Funding available as fast as one business day.

Pricing set centrally, disclosures on file

The same framework protects the merchant, the agent, and the platform.

Centralized pricing: Agents never set or negotiate rates. All pricing is controlled by the platform.
Automated disclosures: All merchant disclosures are generated and archived centrally.
Total cost before signature: You see the total cost of the advance before you sign, with no APR sleight of hand.
Regulatory protection: The framework adapts to evolving regulations.

Funding for a specific situation

Declined by the bank

Funding against business performance rather than credit history.

Consolidate advances

Map every advance you carry and see what one structured payment does for daily cash flow.

Capital for growth

Inventory, equipment, marketing, or a new location, with the total cost shown before you sign.

Seasonal funding

Inventory and staffing capital timed ahead of your peak.

Beyond capital: the Merchant Growth Platform

The same team that funds the business can put an AI marketing and sales platform behind it.

Merchant Growth Platform

An AI marketing and sales engine for the business, from Starter to Revenue Scale AI.

Plug profit leaks

Missed calls, unanswered chats, and leads with no follow-up, captured 24/7.

Scale operations

Revenue Scale AI: an AI caller, AI-managed ads, and content, as a full department.

Common questions

How does merchant cash advance funding work?

Funding is structured as a merchant cash advance with a factor rate that is typically 15%–49%, set by underwriting based on the merchant's profile — not a traditional APR-based loan. A factor rate means the merchant repays the advance plus a single fixed fee, not interest that compounds over time. Amounts range from $2,000 to $2,000,000, with repayment over 30 days to 24 months via ACH or card processing holdbacks. Every file is reviewed individually based on revenue, time in business, credit, and cash flow.

How fast can a business get funded?

With minimal paperwork — a one-page application, three to six months of bank statements, a driver's license, and a voided business check — funding can be available as quickly as one business day after underwriting review.

Apply in minutes.

One-page application, bank statements, ID, and a voided check. Funding as fast as one business day.

Apply for funding

Funding Terms Disclosure

Merchant cash advance funding is not a traditional APR-based loan. Program terms, pricing, factor rates, documentation, funding availability, and eligibility are subject to underwriting review and may vary by business profile. Funding amounts, factor rates, repayment terms, and renewal eligibility described on this website are illustrative and not guaranteed.