Frequently Asked Questions

A Merchant Cash Advance is a lump-sum capital advance repaid through a fixed percentage of your daily or weekly business revenue. It's not a traditional loan — there are no fixed monthly payments. Repayment flexes with your cash flow, so slower months mean smaller payments.

A business loan has a fixed repayment schedule regardless of your revenue. An MCA ties repayment to your actual sales, which makes it more flexible during slow periods. MCAs also typically fund faster and have fewer eligibility requirements than traditional bank loans.

There are no restrictions on how you use the capital. Common uses include purchasing inventory, covering payroll, upgrading equipment, funding marketing campaigns, managing seasonal cash flow gaps, or seizing a time-sensitive growth opportunity.

Funding amounts vary based on your monthly revenue, time in business, and overall business health. We work with businesses seeking anywhere from $5,000 to $500,000+. The best way to find out your range is to submit a quick application — there's no obligation.

Most applicants need at least 6 months in business, $10,000 or more in average monthly revenue, and an active business bank account. We work with a wide range of credit profiles — a low personal credit score does not automatically disqualify you.

No. Unlike traditional banks, we evaluate your business performance — primarily your revenue and cash flow — rather than relying heavily on personal credit scores. Business owners with challenged credit histories are welcome to apply.

No collateral is required for our Merchant Cash Advance product. Business loans may have different requirements depending on the amount and structure. We'll walk you through exactly what's needed during the review process.

We work with businesses across a wide range of industries including restaurants, retail, healthcare, construction, transportation, salons, auto repair, and more. If your business generates consistent revenue, we want to hear from you.

The initial application takes about 5 minutes to complete. We typically review applications and issue decisions within 24 hours. Once approved, funds can be deposited into your account as quickly as the same business day.

For most applications you'll need your last 3–4 months of business bank statements and a completed application form. In some cases we may request additional documentation such as a voided check or proof of ownership.

The initial application involves a soft credit inquiry, which does not impact your credit score. A hard inquiry may be conducted later in the process for certain products, and we'll always notify you before that happens.

Once you're approved and all documents are signed, funds are typically deposited within 1–2 business days. In many cases, same-day funding is available depending on the time of approval and your bank's processing times.

Repayment is automatic. A fixed percentage (called the retrieval rate) is deducted from your daily or weekly business revenue until the advance is fully repaid. There's no set end date — repayment naturally speeds up during strong revenue periods and slows during slower ones.

Yes. You can pay off your balance at any time. Depending on your agreement, early payoff may result in a discount on the remaining balance. We'll outline the exact terms clearly before you sign anything.

Because MCA repayment is tied to your revenue, your payment automatically decreases during slower periods. You're never locked into a fixed payment that strains your cash flow during a tough stretch.