Apply online
Entity, amount, use of funds. Soft inquiry to start.
What it is
A merchant cash advance is typically a purchase of future receipts, repaid as a percentage of card or ACH deposits — or as a fixed debit that behaves like one. Total cost is not an APR in the consumer sense; it still has to be understood in dollars before anyone signs.
Stacking multiple advances is how otherwise healthy operators get trapped. Disclose every existing debit on the application.
Who it fits
Card-heavy or consistent ACH businesses that need speed and can absorb a holdback: restaurants, retail, some services. It is a poor long-term substitute for a line of credit, and a worse substitute for an unprofitable concept.
Process
Review
Deposits, obligations, and whether this structure is even in scope.
Get funded
Written terms before a signature, if a source can underwrite it.
When it fits
Card or ACH deposit businesses that need flexible remittance tied to sales volume, not a rigid monthly note.
When it does not
Thin deposit history, or operators who already run multiple daily remittances they cannot service together.
Who typically qualifies
About six months operating, ~$15k+ monthly deposits, personal credit near 500+. Frames, not guarantees.
Eligibility snapshot
A starting frame — not a decision.
Time in business
Often around six months or more of operating history.
Revenue
A common conversation starts near $15,000 in monthly deposits.
Credit
Personal credit around 500 or higher is a typical starting mention.
Read this before you prefer this product
Ask for the factor rate in dollars, the holdback or debit, what happens if sales drop, and whether a true-up exists. Do not sign on a verbal “it will feel like X a day.”