How It Works

Merchant Cash Advance Vs. Typical Bank Loan

As opposed to a typical bank loan, merchant cash advance payments fluctuate directly with your sales volume. This gives you the advantage of remitting less when business is slow and more when business picks up. The remittances stop when the agreed-upon amount has been satisfied. Typical bank loans require an extensive credit check, as well as a long review period prior to providing funding. A merchant cash advance with us, however, is as easy as filling out a one-page application, and we’ll approve you in 24 and fund you within 48 hours. 

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Credit Card Cash Advance

A Credit Card Cash Advance is a discounted, prepaid purchase of future credit card receipts. Businesses receive cash today for their future receivables and payback through a small percentage of their daily credit card receipts during a 6 to 10-month term, or until the balance is fully satisfied. 

Credit Card Cash Advances are designed for businesses that do over $10,000 per month in credit card sales. Funding is based on measurable credit card sales.

ACH Funding

Our ACH funding is tailored for businesses that derive little revenue from credit card sales. Businesses access working capital centered on their cash flow. 

Like a Credit Card Cash Advance, this is the purchase of future receivables. In this case, the future deposits of the business. Funding is based on the aggregate cash flow through the business’s operating accounts.

 Repayment is made by automated electronic debits (ACH) over specified terms. This allows businesses to use future cash flow in the future to obtain the working capital they need to grow now.

ACH Funding from $5,000 to $1,000,000.


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