Yes, that is its main use: payroll, rent, inventory and bills while receivables or seasonal sales catch up. Size it to the gap, not to the maximum offer.
Check my optionsCash flow
A business cash advance can bridge operating gaps such as payroll before a big client pays or inventory before a busy season. It works best when the gap is temporary and the revenue to repay it is already visible.
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.
Advances, lines of credit and second-position options in one place.
A person reviews your revenue, time in business and bank activity, often within hours.
Approved files are usually funded the next business day.
A human reads the file, not just an algorithm score.
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.
Operating cash flow problems usually come from timing, not losses. Customers pay in 30 or 60 days while payroll runs every two weeks; inventory has to be bought before the season that sells it. A cash advance converts a share of future sales into cash today, and repayment comes from those same sales, either as a fixed daily or weekly amount or as a percentage of deposits.
The advance is sized on your recent bank deposits, typically a fraction of one month of revenue, and the cost is set by a factor rate. Because the total payback is fixed, the effective cost is higher when you repay quickly, which is why it should be used for gaps that are short and identifiable rather than as a permanent substitute for working capital. Some agreements, including those offered through MFE, include early-payoff discounts at 30, 60 or 90 days that reduce the total.
Before using an advance for operations, check that the new payment fits inside your normal week. If the gap is recurring every month, a business line of credit, which you draw and repay as needed, may fit better and cost less over time. A marketplace application lets you see whether you qualify for both and compare them side by side.
Here is how an advance used to cover a payroll gap could look. Illustrative numbers.
| Funding for the project | $50,000 |
| Total payback (factor 1.25) | $62,500 |
| Term | ~48 weeks |
| Payment per week | $1,302 |
| Monthly payment the project must cover | $5,638 |
| Your estimate of added monthly profit | $8,000 |
| Verdict | Pays back within the term |
Illustrative. Replace the estimate with your own numbers before applying.
| One-time payroll gap | Short advance or LOC draw |
| Recurring monthly gap | Line of credit |
| Pre-season inventory | Advance repaid from season sales |
| Slow-paying invoices | Invoice factoring |
| Ongoing losses | Fix the business model first |
Good fit:
Probably not yet:
A merchant cash advance is generally structured as a purchase of future receivables, not a loan, which is why it uses a factor rate.
Offers are based on your monthly deposits, usually a fraction of one month of revenue for a first advance.
Decisions are often same-day, with funding as soon as the next business day once documents are complete.
It can if sized too large. Check that the debit fits your slowest week before you accept.
For recurring gaps, often yes, because you pay only on what you draw. Approval usually needs stronger credit.
Example uses for illustration only.
Before you apply:
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding