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◆ Alternatives

Merchant cash advance alternatives: what else will actually fund you.

An advance is the most expensive money most businesses take, and often the only money they can get on the day. Here is every alternative, with the threshold you need to clear for each, so you can tell which are genuinely open to you.

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✓ Checking what you qualify for does not affect your credit score.

6Real alternatives
650Cheapest tier FICO
600Next tier down
$100KBuyout ceiling

The six, and what each one requires

Business term loan$10K–$250K, 12–18 months, 0% origination, weekly payments, 50% off remaining interest on full early payoff. Needs 3 years and a 650 score. First position only.
Business line of credit$10K–$350K, from 1% per month, 2.49% draw fee, $10,000 minimum draw. Needs 3 years and a 650 score. Can sit in second position.
Revenue-based financingFrom 6 months in business and a 600 score, $60,000 in revenue. Payment flexes with revenue rather than a fixed daily debit.
Invoice factoringFor B2B businesses invoicing on net terms. Advances against invoices already issued, underwritten largely on your customer's credit rather than yours.
Equipment financingSecured by the asset being purchased, so it prices below unsecured funding and does not consume your working-capital capacity.
Refinance or buyout of the advance you already haveA balance of $100,000 or less can be bought out and restructured into weekly payments.

Which of these is actually open to you

The honest filter is short. If you clear 3 years in business, a 650 credit score and $25,000 a month, the term loan and line of credit are open and they are materially cheaper than an advance.

If you do not, revenue-based financing at 6 months and a 600 score is the realistic alternative, and it flexes with revenue in a way a fixed daily debit does not. Invoice factoring is only available if you invoice and wait to be paid — it does not exist for businesses paid at the point of sale.

Not sure which you clear? Run the qualification checker →

If you are already in an advance

This is the most common situation and it has the clearest answer. A position with a balance of $100,000 or less can be bought out, and moving off daily debits onto weekly payments is usually the single biggest cash-flow improvement available to an operator carrying an advance.

It also repairs the file. Daily debits suppress your average daily balance, which is the second most common decline reason — so staying in an advance makes the next application harder, not just this month's cash flow.

Up to 2 current positions are allowed
Balances of $100,000 or less can be bought out
A renewal opens once 50% of the original balance is repaid, at a 550 credit floor
Taking additional financing while a line of credit is open freezes the line

Work out where you stand on your current advance →

When an advance is still the right answer

It is worth saying plainly: sometimes it is. Under 3 years in business, a credit score in the 500s, two positions already open, or a deal that has to close this week — a term loan will not solve any of those, and an advance will.

The mistake is not taking one. The mistake is staying in one after the business has outgrown it.

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

What is the cheapest alternative to a merchant cash advance?

A business term loan at 0% origination, if you clear 3 years in business and a 650 credit score. It also halves the remaining interest on a full early payoff.

Can I get an alternative with bad credit?

Revenue-based financing starts at a 600 credit score and 6 months in business, which is well below what a term loan requires.

Can I replace the advance I already have?

Often yes. A balance of $100,000 or less can be bought out and restructured into weekly payments.

Is invoice factoring an option for me?

Only if you invoice customers and wait to be paid. Businesses paid at the point of sale have no receivables to factor.

How fast are these alternatives?

Same-day decision and next-business-day funding on the term loan and line of credit.

Do you publish your rates?

Yes. Line of credit from 1% per month with a 2.49% draw fee, term loan at 0% origination.

See what you qualify for

Same-day decision. Applying takes a few minutes and will not affect your credit score.

Apply Now →