How it works
No jargon. Here is exactly what happens.
From the moment you submit an application to the wire hitting your account, there are three steps and one specialist. Here is the whole thing.
01
Apply in minutes
One short application and three months of bank statements. No tax returns, no collateral pledge.
02
Get a real offer
A specialist reviews your file the same business day and walks you through total cost, holdback and term.
03
Funded, then flexible
Wired in as little as 24 hours. Payments flex with your receivables, so slow weeks cost less.
The mechanics
What you are actually signing
You sell future receivables, not debt
An advance is a purchase. We buy an agreed slice of your upcoming sales at a discount, so there is no interest rate, no amortization schedule and no lien on your home.
Cost is a factor rate
A 1.25 factor on $50,000 means a $62,500 total payback. That figure is fixed at signing and printed on your agreement — it does not grow if collection takes longer.
Payments are a holdback
We collect a set percentage of your daily or weekly deposits. Busy weeks pay down faster, slow weeks cost you less, and the total never changes.
Renewals at 50% paid down
Once half of the payback is satisfied you can renew, usually at a better factor rate, and roll the remaining balance into the new advance.
Requirements
The four lines we check first
- 3+ months in business
- $15,000+ in monthly revenue
- A business checking account
- 550+ personal FICO (lower considered)
FAQ
Every question, answered
What is a merchant cash advance?
It is not a loan. You sell a fixed portion of your future receivables at a discount today. Instead of a monthly payment and an interest rate, you agree to a total payback amount and a small holdback of your daily or weekly sales until it is satisfied.
How fast can I actually get funded?
Most complete files are reviewed the same business day and funded within 24 to 48 hours of signing. Larger advances or multi-owner entities can take an extra day for verification.
Will applying hurt my credit?
The initial review is a soft pull, which does not affect your score. We only run a hard inquiry if you accept an offer and ask us to move to funding.
What documents do you need?
The application, three of your most recent business bank statements, a photo ID and a voided check. Advances above $150,000 may require a fourth statement or a merchant processing statement.
How much does an advance cost?
Cost is quoted as a factor rate on the amount advanced, so a 1.25 factor on $50,000 means a $62,500 total payback. You will see that number, the holdback percentage and the estimated term before signing.
Can I qualify with bad credit or a prior default?
Often, yes. We weigh your bank activity and revenue consistency more heavily than your FICO. Open judgments, unresolved prior advances or a negative daily balance make approval harder but do not automatically disqualify you.
Can I pay it off early?
Yes. There is no prepayment penalty, and once you reach 50% paid down you become eligible for a renewal at improved terms.
Do you fund businesses outside New York?
Yes. We fund small businesses in most US states. A handful of states have restrictions on certain industries — your specialist will confirm on the first call.
Working capital, without the waiting room
One short application, three bank statements, and a decision the same business day. Applying will not affect your credit score.