Working capital · Merchant cash advance
Working capital for the business you already run.
Funding against your revenue for payroll, inventory, equipment, materials, or covering the gap while customers pay slowly. Arranged through our funder network, with daily or weekly payments.
- Soft check only
- No application fee
- Same-business-day response
Examples of how owners use working capital.
What it is
Capital now, paid back from future revenue.
A merchant cash advance is not a loan. A funder provides capital now in exchange for a share of your future receivables. Payments are daily or weekly and scale with the business.
We're the broker in the middle. We look at your numbers, take the file to funders we know will price it seriously, and put the real terms in front of you in writing.
Who it's for
Built for businesses with steady deposits.
Usually a fit
- Six months or more in business
- Steady deposits into a business account
- Need an answer in days, not weeks
- Credit that banks turned down
Usually not a fit
- Startups with no revenue history
- Frequent negative balance days
- Looking for a term of three years or longer
- Looking for the cheapest money on the market. If you qualify for a bank loan, we'll tell you to take it
How it works
Three steps to real terms.
Send your numbers
The form, a call, or a text. To price anything real we need your last four months of business bank statements and a short application.
We take it to underwriting
Your file goes to our underwriting team, then to funders we know will price it seriously. It's a soft check, with no inquiry on your credit.
You see the real terms
Amount, term, payment, and total cost in writing. If the numbers don't help you, we'll say so rather than push you into a deal.
Typical terms
What offers generally look like.
Every offer is different. Here's what to expect in general terms.
- Term
- Up to 24 months, depending on the funder
- Payments
- Daily or weekly, scaled to the business
- Amount
- Based on your revenue, time in business, and current positions
- Cost
- Shown in writing as the total you'll pay back, before you sign
- Speed
- Decisions usually same day; funding often within 24 hours of signing
- Early payoff
- Some offers include incentives for paying early
General information only, not an offer. Actual amounts, terms, cost, and timing are set by the funder after underwriting and are not guaranteed.
FAQ
Working capital questions.
What can working capital be used for?
Payroll, inventory, equipment, materials, or covering the gap while customers pay slowly. It's your business, so it's your call.
How are payments made?
Payments are daily or weekly and scale with the business. You'll see the amount and schedule in writing before you sign.
How long are the terms?
Terms can run up to 24 months, and some offers include incentives for paying early. What you're offered depends on underwriting.
Is a merchant cash advance a loan?
No. A merchant cash advance is not a loan. A funder provides capital now in exchange for a share of your future receivables, which is paid back through daily or weekly payments. The exact terms are set by the funder in its own agreement.
Will this hit my credit?
No. Seeing your options is a soft check. There's no hard pull and no application fee.
What does it cost?
Pricing depends on your revenue, time in business, and what you're already paying. Any number quoted before someone sees your statements is a guess. You'll see the full cost in writing before you sign anything.
Apply
Find out what your business qualifies for.
Takes a minute. Nothing happens to your credit. You get a call or an email back the same business day.
Start with your numbers
Takes a minute. Nothing happens to your credit.