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How a merchant cash advance works

We’re not a bank — we don’t do loans. A merchant cash advance is a quick, easy way to get a business cash advance with no need for collateral, even if you have bad credit. The merchant cash advance process is very straightforward and can be the perfect financing alternative to a small business loan for many reasons. When you work with us, you’re getting a cash advance on your business’s future receivables. Therefore, there is no personal guarantee or collateral necessary. Within 24 hours of your application submission, a national funding specialist will contact you with funding solutions. Our approval process is simple, quick and hassle-free. We can have a cash infusion in your bank account within 3-5 business days.

Getting the cash your business needs is as easy as 1,2,3!


First, we determine how much funding your business is eligible to receive. Your funding level will be based on how much you process in credit card sales per month. Your credit score will not affect your eligibility.

There is no application fee and no obligation once you’re approved. The application process is simple, and our approval rates are high. You have nothing to lose by applying!

Get funded

Merchants who qualify can receive as much as $250,000. Once we determine your company’s anticipated sales (based on your credit card processing statements), we can offer you a set cash-out amount. Plus, we’ll get it to you much faster than traditional lending methods. It’s that simple. Your cash advance could be in your account and ready to be used in as little as 3 days.

Auto deductions

We have two simple options for paying back your advance, and both are hassle-free. You will never have to write a check. We automate everything so that there are no actual payments and no late fees.

Option 1: Credit card sale auto deductions
Each day, we’ll automatically deduct a small percentage of your Visa/MasterCard sales until our agreement is fulfilled. With this option, the percentage remains static – the actual monetary amount that is transferred will fluctuate with your profits. We only get paid when you get paid, which protects your bottom line so you can rest easy and worry about what matters – running your business.

Option 2: Automated clearing house
Alternatively, we can make direct bank-to-bank electronic transfers from your account to ours. With this option we deduct a fixed monetary amount (not a percentage of your sales revenue). This amount is determined when you are approved, and we seamlessly transfer the funds on a daily basis.