Frequently Asked Questions

A merchant cash advance (MCA) is a lump sum of capital provided to your business in exchange for a percentage of your future credit card sales or daily bank deposits. Unlike traditional loans, repayment is flexible and based on your daily revenue, so you pay more when business is good and less when it's slow.

Most businesses receive funding within 24 hours of approval. Our streamlined application process takes just 5 minutes to complete, and you'll typically receive a decision within a few hours. Once approved, funds are deposited directly into your business bank account the same or next business day.

No! Unlike traditional bank loans, we don't base our approval on your personal credit score. We focus on your business's revenue and performance. This means you can get approved even if you have less-than-perfect credit or have been turned down by banks before.

To qualify, your business should: (1) Be operational for at least 6 months, (2) Generate at least $10,000 in monthly revenue, (3) Accept credit card payments or have regular bank deposits, and (4) Be a registered business in the United States. That's it! Most businesses that meet these basic criteria get approved.

We offer funding amounts from $5,000 to $500,000. The exact amount you qualify for depends on your business's monthly revenue, time in business, and overall financial health. Our team will work with you to determine the optimal funding amount that fits your needs and repayment capacity.

Repayment is automatic and based on your daily sales. A small, fixed percentage of your daily credit card sales or bank deposits is used to repay the advance. This means payments adjust with your business - you pay more during busy periods and less during slower times. There are no fixed monthly payments to worry about.

You can use the funds for any legitimate business purpose - there are no restrictions! Common uses include purchasing inventory, hiring staff, covering payroll, buying equipment, expanding locations, funding marketing campaigns, managing cash flow gaps, or any other business need.

Absolutely not. We believe in complete transparency. All fees and costs are clearly explained upfront before you accept any offer. There are no application fees, no origination fees, and no prepayment penalties. You'll know exactly what you're paying before you commit.

Yes! Many of our clients return for additional funding as their business grows. Once you've repaid a significant portion of your current advance, you may qualify for additional capital. We also offer renewal programs for businesses in good standing that need ongoing access to working capital.

The application process is simple! We typically need: (1) 3-6 months of business bank statements, (2) A valid ID, and (3) Basic business information. That's it! No extensive business plans, tax returns, or complicated financial projections required. We keep the paperwork minimal so you can get funded fast.