A seven-figure lump sum sized to your sales volume. Five-minute application, about three months of statements, soft pull to start.
Apply NowMerchant Cash Advance
At $1,000,000, deposits and existing obligations decide the amount. We review both, then put the full repayment in writing before you commit.
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.
Apply in 5 minutes with about three months of statements. Funding in as little as 24 hours for qualified businesses.
FICO 500+ considered. Volume and consistency carry real weight at this size.
Your offer shows the full repayment amount before you accept. No surprise costs after you sign.
How and when repayment happens is laid out in your offer from the start.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
A $1,000,000 merchant cash advance is for businesses moving serious volume through their accounts. Think regional restaurant groups, large auto dealers' service departments, wholesalers, busy multi-provider practices, and contractors running several crews. At this size, the advance is usually funding something specific and large: an acquisition of a competitor's location, a major inventory commitment, or a partner buyout.
You receive a lump sum in exchange for a portion of future receivables. Because repayment is drawn from sales, the amount offered follows your deposits closely. Existing obligations matter just as much, because they take up part of the cash flow that would otherwise support repayment.
| Factor | What funders look for |
|---|---|
| Deposits | High, steady monthly volume |
| Obligations | Few or no active advances |
| Account health | Healthy balances, minimal overdrafts |
| Credit | FICO 500+ considered |
For illustration: a food distributor with consistently strong deposits, clean statements, and no current advances is a natural candidate for a request near $1,000,000. A similar business already paying down two advances may receive a lower offer, since part of its cash flow is spoken for.
If you want flexibility to draw over time, compare a $1,000,000 business line of credit. For operating needs, look at $1,000,000 working capital. For machinery, see $1,000,000 equipment financing. Smaller need? The $500,000 advance may fit better.
The 5-minute application starts with a soft credit pull. Share about three months of business bank statements; no tax returns required. Your offer lays out the full repayment amount and how repayment works before you accept. Qualified businesses can be funded in as little as 24 hours. Begin your application.
A seven-figure advance commits a share of your sales for a stretch of time, so it pays to test the plan against a slow month, not just a good one. Ask whether the project the funds pay for will add revenue quickly, and whether your margins can carry the repayment shown in your offer while still covering rent, payroll, and suppliers.
If the answer is uncertain, consider requesting less now. A right-sized offer leaves room to come back later once the first investment starts paying off.
Established businesses with high, steady deposits and manageable existing obligations are best positioned. There is no hard revenue minimum stated; the amount depends mainly on deposits and obligations.
Yes, funding a partner buyout is a valid use. Share the details on your application.
No. We review about three months of business bank statements, and no tax returns are required.
Your offer shows the full repayment amount and schedule before you accept. No surprise costs after you sign.
Yes. Sole proprietors can apply, and the amount depends on what deposits support.
Example uses for illustration only.
Seven-figure requests are won on preparation.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding