Both get repaid from your revenue. If your bank passed, established businesses doing $60K+ a month can get a straight read on which agreement fits.
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Both advance cash against future revenue; the agreement is where they split. 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.
Qualified businesses can be funded in as little as 24 hours. No tax returns; about 3 months of statements and a 5-minute app.
FICO 500+ is considered. We begin with a soft pull and look hard at your deposits.
The full repayment amount is in your offer before you accept. No surprise costs after you sign.
How and when you repay is laid out in your offer up front. Read it, then decide.
Revenue-based financing and a merchant cash advance both give you cash now and get repaid from what your business brings in. Both set the total cost up front. Both lean on your deposits more than your credit score. If your bank said no because of credit, both are worth a look.
We offer both through our partner Merchant Fund Express, from $25,000 to $5,000,000 for qualified businesses.
| Revenue-based financing | Merchant cash advance | |
|---|---|---|
| Repaid from | A share of overall revenue or deposits | Future sales, often card sales or a set debit |
| Total cost | Fixed up front | Fixed up front |
| Who it often fits | Businesses with mixed revenue: invoices, ACH, cards | Card-heavy and daily-sales businesses |
| Payment rhythm | Tied to revenue, per the agreement | Daily or weekly, per the agreement |
Terms vary by agreement. The labels matter less than what the contract says.
For illustration only. An HVAC company doing $180,000 a month gets most of its money by check and ACH from commercial clients. Revenue-based financing tied to deposits fits that pattern. A pizza shop doing $75,000 a month mostly in card swipes fits the classic MCA shape. Read more on revenue-based financing and merchant cash advance.
Established businesses doing $60K or more a month are our core fit. FICO 500+ is considered. Funders look at about three months of business bank statements: deposits, balances and existing obligations. No tax returns required, a soft credit pull to start, and sole proprietors can apply.
Owners often assume revenue-based financing is a loan and an MCA is not, or that one always costs less. Neither assumption holds up. Both are usually structured around future revenue, both set the total up front, and cost depends on the specific offer. Another mix-up: thinking a percentage-based payment means you pay less overall when sales drop. The payment may shrink, but the total stays the same, so it can take longer to finish.
You do not need to pick a label before you apply. Fill out the 5-minute application, tell us what the money is for, and the file shows which structure fits your deposits. Decisions move fast, and funding can arrive in as little as 24 hours for qualified businesses.
They overlap a lot. Both are repaid from revenue with a fixed total cost. The repayment mechanics and what revenue is counted can differ.
There is no general answer. Compare the total repayment amount and schedule on the actual offers in front of you.
They are generally not secured by specific assets, but read the agreement. Personal obligations may be part of it.
Not on its own. FICO 500+ is considered and revenue carries a lot of weight.
Example uses for illustration only.
Revenue-based offers read your deposits, so focus there:
One secure application. A soft credit pull to start. No obligation to accept an offer.
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