What is your advance actually costing you right now?
If you are already in an advance, this shows what you still owe, how much is leaving the business each month, and what changes if you move to weekly payments.
Why the percent repaid matters: a buyout is available on balances of $100,000 or less, and a renewal opens once 50% of the original balance is repaid. Those two thresholds decide which options are on the table today. Position limits and stacking rules →
The two numbers that change your options
$100,000. A position with a balance at or under this can be bought out. Above it, a buyout is off the table for now, though a line of credit can still sit in second position.
50% repaid. Once half the original balance is cleared, a renewal opens — and renewal terms are looser than new-money terms, dropping to a 550 credit floor and 2 years in business.
Why daily debits make the next application harder
Underwriting targets an average daily balance of roughly 10% of monthly revenue. Twenty-one debits a month push that ratio down mechanically, independent of how the business is actually trading.
So an advance does not only cost you its factor rate. It quietly weakens the file you present the next time you need capital, which is how operators end up stacking advances rather than graduating out of them.
How it works
1. Apply in minutes
A short application. No impact to your credit score to see what you qualify for.
2. Same-day decision
We review revenue, time in business and bank activity — not just a credit score.
3. Review your terms
You see the amount, the term and the total cost before you sign anything.
4. Funded next business day
Money in your account, typically the next business day after signing.
Common questions
How do I find my payoff amount?
Multiply your daily payment by the number of business days of debits taken, then subtract that from the total payback on the agreement. This calculator does it for you.
Can my advance be bought out?
If the balance is $100,000 or less, yes. Above that a line of credit can still sit in second position, subject to serviceability.
When can I renew?
Once 50% of the original balance has been repaid. Renewal drops the credit floor to 550 and time in business to 2 years.
How many positions can I have?
No more than 2 current positions.
Will checking affect my credit?
No.