Everything You Need to Know

Quick answers about our funding process, approvals, and how we help your business grow.

Frequently Asked Questions

  • A Merchant Cash Advance is a flexible form of business financing where you receive an upfront lump sum in exchange for a portion of your future sales. Unlike traditional loans, MCAs don’t require fixed monthly payments. Instead, repayment is typically based on a percentage of your daily credit card or bank deposits, making it ideal for businesses with fluctuating revenue.

  • In many cases, approvals happen in under an hour. We make funding fast by streamlining documentation, assigning a responsive underwriter, and cutting out the red tape—so you can focus on growth.

  • We work with a wide range of small and mid-sized businesses—from restaurants and contractors to salons, retailers, and trucking companies. To qualify, most businesses need at least 3–6 months of operating history and consistent revenue. We don’t require perfect credit—our underwriting looks at the bigger picture.

  • No. Our pre-qualification process is a soft credit pull, which does not impact your credit score. We only run a full report if you move forward and accept a funding offer.
  • Funding amounts typically range from $5,000 to $500,000, depending on your revenue, business health, and cash flow. We work with you to find a funding plan that aligns with your goals—whether it's bridging a short-term gap or fueling growth.
  • Repayment terms are tailored to your cash flow. Most Merchant Cash Advances (MCAs) are repaid daily or weekly through small automatic debits. Terms generally range from 3 to 18 months, and we’ll walk you through the structure clearly—no hidden fees or surprises.

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