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Merchant Cash Advance

Capital against future card sales, often funded within a day — the fastest option available.

  • Fast, short-term funding
  • Repayment through sales
  • Higher cost of capital
Apply for Merchant AdvanceTalk it through
Amount
$5K – $500K
Payback
3 – 18 months
Funding time
As fast as 24 hours
Cost basis
A fixed fee, not an interest rate

Typical market ranges, not an offer of credit. Actual terms depend on lender underwriting and your business qualifications.

What it is

How this one works.

A merchant cash advance provides a lump sum of capital in exchange for a fixed percentage of your future credit card sales. It is the fastest funding available and the most forgiving on credit, because approval rests primarily on your sales volume rather than your score. Repayment flexes with revenue: you remit more on strong days and less on slow ones. It is also the most expensive option here, so we treat it as a tool for genuine urgency and short payback windows, not as a default.

Best used for

  • Urgent repairs or replacing equipment that stopped your operation
  • Restaurants, retail, and service businesses with steady card volume
  • Owners whose credit does not yet support a term loan
  • Short, well-defined needs you can repay quickly

The process

What working with us looks like.

  1. Send recent statements

    Three months of bank or processing statements is usually the whole file.

  2. Same-day review

    Underwriting focuses on your sales volume and consistency rather than your credit score.

  3. See the real cost

    We convert the factor rate into total dollars and an effective annual cost, so you can compare it honestly against every alternative.

  4. Fund and remit

    Funds arrive in as little as a day. A set percentage of daily card sales goes to repayment automatically.

Qualifying

What you generally need.

These are typical thresholds across our lender network, not hard rules. Files that fall short in one area often still place if another is strong — which is exactly the judgment call worth a phone conversation.

Check my eligibility
Time in business
6+ months
Monthly card volume
$10,000+
Credit score
No minimum
Documents
3 months statements

Straight answers

The upside, and the part to think hard about.

Advantages

  • Fastest funding of any option on this page
  • Approval possible with weak or thin credit
  • Payments shrink automatically on slow days
  • No fixed collateral requirement

Things to consider

  • The most expensive capital here — often the equivalent of a high double-digit annual rate
  • Daily or weekly remittance tightens working cash
  • Stacking multiple advances is how businesses get into trouble; we will not do it
  • We will tell you plainly when a line of credit would serve you better

Questions

Merchant Cash Advance questions.

What is a factor rate?
A multiplier on the amount advanced. A $50,000 advance at a 1.30 factor means $65,000 repaid in total. We always show you that dollar figure and the effective annualized cost, not just the multiplier.
What happens if sales drop?
Because repayment is a percentage of sales, your remittance drops with them. The payback period stretches instead of the payment breaking you.
Can I qualify with bad credit?
Frequently, yes. Consistent card volume matters more than your score here.
Should I take an advance or a line of credit?
If you qualify for a line of credit, it is almost always the better deal. An advance makes sense when speed is the deciding factor or credit rules out the alternatives.

Other options worth comparing

Term Loans

A lump sum with a fixed schedule — the straightforward way to fund something big.

Compare

Lines of Credit

A standing limit you draw from only when you need it — and only pay for what you use.

Compare

SBA Loans

Government-backed financing with the longest terms in small business lending.

Compare

Read more on this

Still working out which product fits? Start with The Idaho small business funding guide.

8 min read

Nobody has to tell you what business financing costs in Idaho

Federal truth-in-lending rules stop at the business purpose line, and Idaho has not passed a state law to replace them. What that means for the offer in front of you.

7 min read

How to read a merchant cash advance offer

Factor rates, holdback percentages, daily debits and term estimates. How to convert an offer into the one number that lets you compare it to anything else.

6 min read

Stacking: how one advance becomes four

The characteristic failure mode of this product, why each step feels reasonable, and the point at which the options run out.

6 min read

Getting out of a merchant cash advance

What refinancing can do, what it cannot, what to bring to the conversation, and why early settlement sometimes saves nothing.

6 min read

What is actually in an advance agreement

Personal guarantees, reconciliation, processor restrictions and the provisions that decide what happens when things go wrong.

6 min read

When fast, expensive money is actually worth it

The narrow case where an advance makes sense, the arithmetic that proves it, and the four conditions that all have to be true.

Ready to look at Merchant Advance?

Two minutes to apply, a soft credit pull, and a real answer about whether this is the right instrument for you.

Start my applicationCall (208) 361-2291