Built for established businesses doing $60K+ a month. A merchant cash advance is weighed on your sales. Apply in 5 minutes and get a straight answer fast.
Get my answerMerchant cash advance
A merchant cash advance gives you cash now against future sales, through our partner, Merchant Fund Express. Decisions move fast; funding can land in as little as 24 hours for qualified files.
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.
About 3 months of business bank statements and a 5-minute application. No tax returns. Qualified businesses can be funded in as little as 24 hours.
FICO 500+ considered. It starts with a soft pull, and your card and bank deposits carry real weight in the decision.
Your offer shows the full repayment amount before you accept. Nothing gets added after you sign.
How the advance is repaid from your sales is laid out in your offer up front, so you can plan around it.
You searched for a same day merchant cash advance because something needs money now. Here is the honest answer: decisions move fast, and funding can land in as little as 24 hours for qualified businesses. Anything faster than that depends on your file and on how quickly your bank posts the deposit. We will not promise you a same-afternoon wire, and you should be careful with anyone who does.
Funding is provided through our partner Merchant Fund Express, with amounts from $25,000 to $5,000,000.
An MCA is not a traditional loan. A funder buys a portion of your future sales and gives you a lump sum now. You repay from your incoming revenue, usually through a fixed daily or weekly debit, or a percentage of card sales. When sales are steady, the math is predictable. When sales dip, you need to know how your remittance is set up before you sign.
Want a wider view first? See our full merchant cash advance page.
This option is built for established businesses doing $60K or more a month that have been told no by a bank. Common reasons we hear: a FICO in the low 600s, a thin business credit file, a past late payment, or a bank that simply wants two years of tax returns you do not have handy. FICO 500+ is considered, and no tax returns are required.
Sole proprietors can apply too. If your deposits are consistent, that matters more here than an old mark on your report.
That is it. The application takes about 5 minutes. Missing statements is the number one reason a fast file turns into a slow one, so pull them before you start.
For illustration only: a pizza shop deposits about $85,000 a month and needs $40,000 for a walk-in cooler that died on a Thursday. The bank wants weeks. With three months of statements uploaded on day one, a decision can come back quickly, and a qualified file can be funded in as little as 24 hours. These figures are an example, not our terms. Real amounts and costs depend on your file.
An advance is the quickest tool for a one-time hit. If you need money on and off all year, a business line of credit may fit better. If the money is for a machine or vehicle, look at equipment financing. Not sure? Apply once and the options available for your file get laid out for you.
Credit repair is a separate service. You do not need it to apply for funding.
Decisions are fast, and qualified businesses can be funded in as little as 24 hours. Faster than that depends on your file and your bank, so we do not promise it.
Applying starts with a soft credit pull, which does not affect your score.
FICO 500+ is considered. Your deposits and sales history carry a lot of the weight.
Funding ranges from $25,000 to $5,000,000. Where you land depends on your revenue and the rest of your file.
Funding is provided through our partner Merchant Fund Express.
Example uses for illustration only.
A few habits make an MCA file read stronger before you apply.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding