Business Cash Advance
The dearest money here and the easiest to get. Read the note under the rate card first.
| Rate | Program | Amount | Term | Funded |
|---|---|---|---|---|
| From 4.5% | Line of credit | Up to $1M | 6 months – 3 years | 1–2 days |
| From 4.5% | Working capital | Up to $1M | Daily or weekly ACH | 1–2 days |
| From 5.5% | Term loan | $20K – $1M | 12 – 36 months | 1–2 days |
| From 6% | Short-term loan | $10K – $1M | Up to 24 months | 1–2 days |
| From 8% | Equipment financing | Up to $250K | 1 – 5 years | 1–2 days |
| 10% – 35% factor | Cash advance | $5K – $500K | Daily or weekly ACH | 24–48 hours |
The card is wider than a phone: scroll it sideways for term and funding time.
A factor rate is not an interest rate and the two cannot be compared by putting the numbers side by side. A factor of 10% on $100,000 is $110,000 to repay whether it takes six months or eighteen — paying it off early does not make it cheaper. Interest does fall if the balance does.
An advance is not a loan. It buys a share of a business's future sales at a discount and collects as those sales arrive, so a strong week repays more and a quiet week repays less. For a business whose months are not the same size, that is the point of it.
It is decided on takings rather than on a credit file, which is why it approves where the other five decline. It is priced as a factor, not as interest, and clearing it early does not reduce what is owed. Both of those are worth understanding before signing rather than after.
What it gives you
- Repayment rises and falls with revenue
- Decided on sales, not credit score
- No fixed monthly payment
- Priced as a factor, not interest
Apply
About two minutes, no fee, no obligation, and no mark on the owner's credit score for asking.
Rather talk to somebody first? (844) 528-8696, Monday to Friday.