Get Funded Based on Your
Revenue, Not Your Credit
Merchant cash advances from $10,000 to $500,000 for established businesses. Decisions in hours. Money in your account in 24–48 hours.
Doing $15K+/month in revenue with 6+ months in business? You likely qualify.
No hard pull · Takes 2 minutes · No obligation
Do You Qualify?
Most established businesses qualify. Check your criteria below.
Not a fit if:
If you're a startup or pre-revenue business, check our SLOC program No revenue required, credit-based approval.
How It Works
Apply in 2 Minutes
Answer a few questions about your business. No lengthy paperwork, no tax returns, no business plan required.
Revenue-Based Review
We look at your bank statements to verify monthly revenue. Credit score is not the deciding factor.
Funded in 24–48 Hours
Once approved, funds are wired directly to your business bank account. Same-day decisions for most applicants.
MCA vs. Traditional Bank Loan
| MCA (Us) | Bank Loan | |
|---|---|---|
| Approval based on | Revenue | Credit + Collateral |
| Time to funding | 24–48 hours | 4–12 weeks |
| Credit requirement | Flexible | Strict |
| Collateral required | No | Often yes |
| Monthly payments | Flexible (% of sales) | Fixed |
| Application | 2 minutes online | Days of paperwork |
Common Questions
What is a merchant cash advance?
An MCA is a lump sum of capital provided upfront in exchange for a percentage of your future daily sales. It's not a loan. Repayment automatically adjusts with your revenue.
How much can I get?
Advances typically range from 50%–150% of your average monthly revenue. If you do $30K/month, you might qualify for $15K–$45K or more depending on your history.
My credit isn't great. Can I still qualify?
Yes. MCA approval is primarily based on your revenue, not your personal credit score. All credit types are considered.
Will applying affect my credit score?
No. Checking your eligibility is a soft pull only. No impact to your score.
How fast can I get funded?
Most approved applicants receive funds within 24–48 hours of submitting their bank statements.
Ready to see what your business qualifies for?
Takes 2 minutes. No hard credit pull. No obligation.
$15K+/month revenue · 6+ months in business · All credit types
Get My Funding Options →Looking for a business line of credit instead? See our SLOC program →