Already have an advance running? We look at your current payment, your deposits and your history to see if more funding fits.
Review My PositionApplying with an open advance
The real question is what is left after every payment comes out. We size offers around that, and show the full schedule before you accept.
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.
Five minutes and about three months of statements. Funding in as little as 24 hours for qualified businesses.
FICO 500+ considered. Payment history on your current advance matters too.
Your offer shows the full repayment amount up front, with no surprise costs after you sign.
The schedule is in your offer so you can total it with what you already pay.
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.
Many businesses that come to us already have a merchant cash advance running. That alone does not end a review. What we need to understand is how much room your account has after the payment you are already making, and whether adding a second position makes sense for you.
We cover how positions stack on our existing positions and stacking page, and if you already have two open, see funding with two open advances.
The question we push every owner to answer is simple: with both payments coming out, what is left at the end of a slow week? If the answer is close to zero, more funding can make things harder, not easier. Your offer will lay out the full repayment amount and the schedule before you accept, so add that to what you already pay and check the result against your weakest weeks. If the current payment is already a strain, our page on options when behind on advance payments may be a better starting point.
Additional funding tends to fit when deposits have grown since the first advance, the existing advance is well along, and payments have been made on schedule. It is used for a new need, such as inventory or a job, rather than to cover the existing payment.
A retailer took an advance last year and has paid most of it on schedule. Since then, monthly deposits have grown and the account stays positive. The owner wants inventory for a large new order. That file has room to look at. Compare it to a business whose deposits have dropped since the first advance and whose current payment already triggers overdrafts. Additional funding in that second case would likely add pressure rather than relieve it.
Five-minute application, soft credit pull, about three months of business bank statements, no tax returns. Tell us about the open advance up front. Start here.
You can apply. We review your current payment, your deposits and your payment history to see if there is room for more.
Yes. It shows on your bank statements anyway, and being upfront helps us size an offer that does not overload your account.
Generally, a well-paid-down advance with an on-time history reads better than one that just started.
Then adding another payment may not help. Look at the combined payment against your slow weeks before deciding.
FICO 500+ is considered.
Possibly, if deposits have grown and the current advance is in good standing. The amount depends mainly on deposits and existing obligations.
Example uses for illustration only.
These steps make a file with an open advance easier to approve.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding