How It Works

Three steps. No portal purgatory.

A funding process built around a phone call and a decision, not a month of back-and-forth.

  1. 01

    Apply

    4 minutes, no obligation

    Tell us what you need and share your business basics. Uploading three months of bank statements speeds everything up, but it is not required to submit.

  2. 02

    Get matched

    Offers within hours

    A funding specialist underwrites your file in-house and matches you to the right program. You see the amount, the factor rate, the remittance schedule, and the fees in writing.

  3. 03

    Get funded

    As fast as same day

    Choose the structure you like, sign electronically, and complete a short verification call. Funds are wired or deposited to your business account.

A typical timeline

  • Minute 0
    You submit the application.
  • Within 1 hour
    A specialist calls to confirm details and fill any gaps.
  • Same business day
    Your file is underwritten and matched to the right program.
  • 2 – 6 hours
    Offers come back with amounts, factor rates, and terms.
  • You decide
    No pressure, no fee, no obligation to accept.
  • 24 hours
    Signed, verified, and funded.

What it actually costs

A merchant cash advance is priced with a factor rate, not an interest rate. The factor rate is a multiplier on the amount advanced, and the total cost is fixed at signing — it does not compound or accrue over time.

Illustrative example — not a quote

A $50,000 advance at a 1.30 factor rate means you remit $65,000 total. If remittance is $541 per business day, that is roughly 120 business days. Your actual rate and term depend on your revenue, time in business, and industry.

Say it plainly: an advance is not a loan, it has no traditional APR, and it is typically more expensive than bank financing. If you qualify for an SBA product or a conventional bank line and you can wait weeks for it, that will almost always cost less.

Where an advance earns its cost is speed and flexibility: funding in days instead of weeks, approval built on revenue rather than a spotless credit file, no specific collateral pledged, and remittances that flex with your sales on most structures. If the capital captures an opportunity or prevents a loss worth more than the cost, it is a rational tool. If it is patching a hole that will still be there in 120 business days, tell your specialist — the honest answer may be that this is not the right product for you.

Every offer we bring back shows the amount, the factor rate, the total remittance, the schedule, and any fees, in writing, before you sign. See how we get paid.

See what you qualify for in under 5 minutes.

No cost to apply, and checking will not affect your credit score.

Apply Now(833) 773-0513