What we can actually do with an existing advance
Most funders see an open advance on your bank statements and decline on the spot. We do the opposite — a business already carrying an advance is a business another lender already underwrote and approved.
There are two routes depending on your balance and your file:
Buyout
If your existing position has a balance of $100,000 or less, we can buy it out and replace it with a single new facility.
Second position
If a buyout does not fit, we fund second position behind your existing advance so you get capital without disturbing it.
What this is: new funding that restructures what you are paying and when. The daily debit is replaced with a weekly payment, which is what actually returns cash flow to the business.
Why daily debits hurt more than the rate
An advance that debits every morning takes its cut before you have covered payroll, rent, fuel or inventory. Owners describe the same thing every time: the business is profitable on paper and there is never any money in the account.
Moving to a weekly payment does not just reduce a number. It gives you back six days out of seven where deposits stay where they land.
And on our term loan, a full early payoff earns a 50% discount on the remaining interest — so a good month genuinely shortens the obligation.
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
Can I get funding if I already have a merchant cash advance?
Yes. We fund first and second position, and we can buy out an existing position with a balance of $100,000 or less.
What is the maximum balance you can buy out?
$100,000 or less on the existing position.
Will this stop my daily payments?
If we buy out the position, the daily debit is replaced by a weekly payment on the new facility. If we fund second position, your existing advance continues on its own schedule.
I have more than one advance. Can you still help?
Multiple positions make a file harder but not automatically a decline. Flag them up front and we will tell you honestly what is possible.
Does a refinance hurt my credit?
Checking what you qualify for does not affect your credit score.
How fast can this happen?
Same-day decision and next-business-day funding.