What a
merchant
cash advance is
A merchant cash advance is working capital against the revenue you’ve already proven. No collateral games, no months of waiting on a bank committee — we price the risk upfront and fund fast.
It’s a purchase, not a loan
We buy a fixed amount of your future receivables at a discount. You get capital today; we collect an agreed slice of revenue over the term.
Repayment moves with revenue
Daily or weekly remittance, or a 180-day structure. Holdback flexes with your deposits instead of a rigid amortization schedule.
Positions 1st through 6th
We fund new files and add-ons behind existing positions — true first through sixth, sized by the file.
From file
to funded
Five steps, one day. The whole desk is built to compress the gap between a complete file and money in the account.
Submit the file
Send the application with A/R, Proof of Ownership, and the last 3–4 months of bank statements. One package, no portal scavenger hunt.
Hard underwriting, upfront
We pull revenue, deposit consistency, existing positions, time in business, and industry. Risk is priced before we ever say yes — so a yes is real.
Decision + terms
You get advance amount, factor, term, position, and holdback in writing. No moving goalposts after approval.
Contract + funding
Sign the agreement and we wire the advance — frequently the same business day the file clears.
Revenue-based repayment
We remit an agreed slice of receivables over the term. Renewals and add-on positions open as you pay down.
We price the risk
before we say yes
Hard underwriting upfront is the whole point. We look at the file completely, once — so the decision holds and funding doesn’t stall.
Revenue & deposits
Monthly volume and how consistent the deposits are across statements.
Existing positions
How many advances are already in front of us — true 1st through 6th.
Time in business
Operating history and seasonality of the receivables.
Holdback capacity
How much daily revenue the file can carry — up to 50% on high-risk.
Industry
Vertical risk and our appetite. No solar, no law firms.
Stip quality
Complete A/R, POO, and clean statements move the fastest.
Structures
that fit the file
Fixed daily remittance pulled from the operating account — smooths the position across the week.
A single weekly pull for files where daily doesn’t fit the cash cycle.
Longer-dated option on qualifying B–C paper, maxed at 40 weeks.
What we need to fund
Send it complete and we underwrite hard, upfront — then you get a real answer the same day.
Most recent aging report so we can size the position.
Confirms the signer controls the business.
We decision the file the same day — no back-and-forth.
Standard MCA package to verify revenue and deposits.
Straight answers
On a complete file with clean stips, decisions are same-day and funding frequently lands the same business day the contract is signed.
See it on
your own file.
Send a complete package and get a real, same-day decision with terms in writing.