When the bank won't open a line, you still have options. Built for established businesses doing $60K+ a month that need to know which one fits, fast.
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A line gives you a pool to draw from; an MCA is a lump sum repaid from sales. Both are offered through our partner, Merchant Fund Express.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
No tax returns. About 3 months of bank statements and a 5-minute application. Funds in as little as 24 hours for qualified businesses.
FICO 500+ is considered and it starts with a soft pull. Your sales history carries weight.
Your offer shows the full repayment amount before you accept. No surprise costs after you sign.
The repayment schedule sits in your offer up front, line or advance.
Do you need money once, or over and over? If it is one known expense, a merchant cash advance hands you a lump sum. If costs come and go through the year, a business line of credit lets you draw, repay and draw again up to your limit.
Both are offered through our partner Merchant Fund Express, from $25,000 to $5,000,000 for qualified businesses.
| Question | Line of credit | Merchant cash advance |
|---|---|---|
| How you get the money | Draw what you need, when you need it | One lump sum up front |
| What you owe on | What you have drawn | The full agreed amount |
| How it is repaid | Scheduled payments on the balance | From future sales, by a set debit or a share of card sales |
| Reusable? | Yes, as you pay it down | No, it is a one-time advance |
| Best for | Recurring or uneven needs | One clear expense or opportunity |
An MCA is not a loan. A funder buys a portion of your future sales and pays you now. The total amount to be repaid is set at the start, and payments come out of your revenue until it is done. Know whether your payment is a fixed amount or a percentage before you sign, because that decides how a slow week feels. More detail on our merchant cash advance page.
You get a limit. You draw against it, pay it back, and the room opens up again. Read your agreement for any costs tied to the line, drawn or not. Lines suit owners who know a need is coming but not exactly when, like a contractor waiting on draws. See business line of credit.
All examples are for illustration only.
Established businesses doing $60K or more a month whose bank passed. FICO 500+ is considered, there is a soft credit pull to start, no tax returns are required, and sole proprietors can apply. You need about three months of business bank statements. Apply in 5 minutes and let the file tell you which product fits.
Both can move quickly. Funding can arrive in as little as 24 hours for qualified businesses. Speed depends more on your file than on the product.
MCAs lean heavily on sales and deposits, so they often fit thinner credit. Lines may weigh credit more. FICO 500+ is considered for both.
Possibly. The funder looks at all your existing obligations, so list everything you already have running.
No. Tell us what the money is for and the file points to the right fit.
Example uses for illustration only.
Want a cleaner read on either product? Start here:
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding