Merchant Cash Advance
Funding that comes straight out of your daily sales
The mechanics are simple. You sell us a fixed dollar amount of sales you have not rung up yet, and we pay you something under that right now. From the next working day, a set cut of what your customers pay flows back to us until the agreed amount is met. Nothing sits as principal, nothing compounds, and no due date hangs overhead — you sold an asset, you did not borrow against one. A single factor rate fixes the price, and it never budges.
- $10,000 – $500,000Amount advanced
- 3 – 18 months, bending entirely with sales volumeTerm
- A yes often lands the same day, with the wire following in as little as 24 to 48 hoursFunding speed
The numbers
Every figure for this product, lined up in one place
- Amount advanced
- $10,000 – $500,000
- Pricing
- A single factor rate, fixed before any funds move
- Remittance
- A set share of the day’s card takings or account deposits
- Expected term
- 3 to 18 months, drifting with how fast you sell
- Decision
- Often the same day once the file is whole
- Funding
- Wired in as little as 24 to 48 hours from signing
The structure
What it is that you actually sell
What leaves your hands is future revenue you have not yet banked; what arrives is cash in the account today, at an agreed discount to that amount.
You are selling an asset, not taking on a debt
Think of it as parting with something you already own rather than shouldering something new. The thing you part with is a share of what your customers owe you over the months ahead; what lands in your account is a touch under its face value, and that difference is all we earn. The moment you sign, ownership shifts and the deal is closed. Nothing was lent, so nothing accrues and nothing matures. Everything else on this page simply follows from that.
No interest rate appears, and here is why
Interest buys time, and time is not on sale here. The price is a factor rate — one number, applied to the amount a single time. Multiply them and you have the full obligation in dollars, fixed at signing. It will not compound, it will not creep up overnight, and it will not grow by a dollar if delivery takes far longer than anyone planned.
Collection moves in step with the takings
A set share of each day’s card batches, or of the deposits reaching your account, comes to us automatically. Good days give more; thin days give less. That is the design, not a favour — and the instant the agreed amount is met, collection stops on its own, no reminder needed.
The deposits make the call
Bank statements come first, ahead of everything else: how much arrives, how regularly, and how the account holds up between deposits. A modest account that fills like clockwork beats a larger one that lurches from full to empty. Steady money coming in is what earns the yes.
The pricing
A factor rate, taken out to the total
Nothing accrues, nothing compounds. One figure times a second, and that product is everything owed.
A factor rate is just one number times another, settled on the day you sign — and the dollar total it produces reads identically in month two and month twelve. Interest is a different animal. It is rent on a balance, piling up for as long as that balance survives, so the very same money grows pricier the slower you clear it.
An example in dollars
- Amount advanced
- $75,000
- Factor rate
- 1.30
- Total collected
- $97,500
- Remittance
- 11% of the day’s card takings — about $520 on a normal trading day
- Estimated term
- Roughly 8 months at around $95,000 a month through the card reader
That example puts the cost of the money at $22,500, and you can see it before a dollar moves. These are worked figures, not a quote — your amount, your factor rate, your share and your term all get set once we have gone through the statements.
The use
Where an advance earns its keep
- A business with dependable daily card volume or steady deposits that needs working capital in days rather than quarters.
The fit
Whether this product is worth your next ten minutes
- Time in business
- 6 months or moreClocked from when the business began trading for real, not from the date the entity was registered.
- Monthly revenue
- $15,000 or moreWhat actually lands in the business account each month. Four even months read better here than one standout.
- Business bank account
- RequiredLive, in use, and under the trading name itself — a personal account will not stand in for it.
- Location
- United StatesThe business has to be formed and trading in the US. We put money to work across all fifty states.
Clear all of these and the file gets a proper read. That is not the same as an offer — plenty of businesses are turned down here, and we would sooner say so within the hour than string it out for a fortnight.
The detail
Sharper questions about how an advance behaves
Everyone calls it a loan — is it one?
No, and the contract is explicit about it. What you sign is a sale: a named dollar amount of your future sales transfers to us the day you sign, for a discounted price. A loan would deposit principal and charge you for the time you held it. That never happens here, so the document carries no rate, no APR, no due date — nothing for any of those to fasten onto.
How is the remittance percentage chosen?
Your deposits set it. We weigh how much comes in, how reliably it shows up, and how the balance rides through the slow weeks, then settle on a share the business can part with and still run smoothly. It is printed in the agreement beside the factor rate, with nothing tucked away.
If a cash advance is not a loan, what is it?
It is a sale, plain and simple, and the line is a legal one rather than marketing. A named dollar sum of sales you have yet to collect moves to us, we pay a discounted price now, and we get that sum back out of your settlements as they arrive. Since nothing was lent, there is no rate, no APR and no maturity date — those belong to debt. Anyone selling you an advance as a loan has either misread the product or is betting that you will.
How does the factor-rate math work?
Once. You multiply a single time and stop. Seventy-five thousand at 1.30 means we are buying $97,500 of your coming sales, and the $22,500 between the two numbers is everything the money costs — full stop, with nothing added down the line. Time never touches that gap. Clear it in six months or eleven and it is still $22,500, the mirror image of how interest treats a running balance. You can work the sum on a napkin before signing, and the napkin will be right.
A month of soft sales — now what?
What leaves your account drops the same week your sales do, with nobody lifting a finger. We take a share, not a flat figure, so a month at half pace returns roughly half, and the calendar simply lengthens to cover the rest. Nothing gets missed, because no payment was ever scheduled to miss. That is why seasonal owners reach for an advance before anything else. An outright collapse in revenue, as opposed to a dip, is a separate talk, and one to have with us early.
The alternatives
When an advance is plainly the wrong tool
If your case suits a term loan, a credit line, equipment paper or an SBA file, the price usually lands well under an advance. Those sit on our menu too, so nudging you toward the dearer one would only cost us the next deal.
Business Term Loan
Draw the whole amount at closing and clear it on a schedule you can set your calendar by.
Explore Term LoanSBA Loan
Federally guaranteed, the keenest price on this page, and genuinely slow. Those three travel together.
Explore SBAEquipment Financing
The asset itself stands behind the deal, and the price rewards you for it.
Explore EquipmentBusiness Line of Credit
Lock in the limit once, then leave it untouched until the business calls on it.
Explore Line of Credit