06 — Sales-based
Merchant Cash Advance
An advance against your future card sales, repaid as a small, fixed share of daily revenue — you pay more when busy and less when slow.
What it is.
A merchant cash advance provides upfront capital in exchange for a small, fixed percentage of your daily card sales until the advance and its fee are repaid. Repayment flexes with your revenue: busy days repay faster, slow days repay slower.
It is the most accessible and fastest-funding product we offer, because approval leans heavily on your card-sales volume rather than your credit score. That makes it a natural fit for retail, restaurants, salons, and other high-card-volume or seasonal businesses that need capital now.
Best for.
An advance suits businesses with strong, steady card-sales volume that value speed and repayment flexibility over the lowest possible rate.
- Retail, restaurants, salons, and other card-heavy businesses
- Seasonal operations that want payments to flex with revenue
- Owners with a thin credit file but strong daily sales
- Urgent needs where same- or next-day funding is the priority
How it works.
Apply in minutes
Submit a short application and a few months of card-processing statements.
Get approved fast
Approval weighs your sales volume, so decisions are quick — often within hours.
Receive your advance
Funds reach your account the same or next business day.
Repay as you sell
A small, fixed percentage of daily card sales is remitted automatically until repaid.
Rates & terms.
- Advance amount
- $5,000 – $500,000
- Repayment
- % of daily card sales
- Factor rate
- From ~1.15
- Holdback
- Typically 8% – 18%
- Term
- Flexible, revenue-based
- Credit weight
- Revenue over score
Rates and limits are illustrative and depend on underwriting, time in business, revenue, and credit profile. This is not an offer or commitment to lend.
Eligibility.
- 6+ months in business under current ownership
- $15,000+ in average monthly revenue
- 500+ personal credit score
- Consistent card-sales volume processed through your business
Why businesses choose it.
Payments that flex
Remittance rises and falls with your daily sales, easing pressure on slow days.
Fastest funding
From application to cash in as little as one business day — our quickest product.
Revenue-first approval
We look at your card volume, not just your credit score, widening who qualifies.
No fixed monthly bill
There's no rigid installment to miss — repayment is a share of what you actually earn.
Minimal paperwork
A short application and processing statements are usually all it takes.
Unsecured
Advances are based on future sales, with no collateral pledged.
Merchant Cash Advance FAQ.
Related funding.
Capital at the speed of sales
Funded as soon as tomorrow.
Apply with your processing statements and get an advance that flexes with your revenue.