A lump sum based on the sales you already make, repaid from future receivables. FICO 500+ considered, no tax returns.
See My AdvanceMerchant Cash Advance, Austin
Restaurants, bars, salons and shops across Austin use an advance to stock up, staff up, or fix what broke without waiting on a bank.
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.
A 5-minute application and recent business bank statements. No tax returns. Funding in as little as 24 hours for qualified businesses.
FICO scores from 500 are considered, and we start with a soft pull.
Your offer shows the full repayment amount before you accept. No surprise costs after you sign.
The repayment schedule is laid out in your offer up front.
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.
With a merchant cash advance, we purchase a portion of your future receivables and pay you a lump sum upfront. You repay from sales over time, following the schedule set out in your offer. Before you accept, you see the full repayment amount. There is no collateral pledge on equipment or real estate, because the advance is based on the sales your business already generates.
Advances tend to fit businesses with frequent deposits. In Austin that often means taco spots and coffee shops along South Congress, bars on Rainey Street, boutique retailers, salons, auto repair shops along the highway corridors, and service businesses in fast-growing suburbs like Round Rock and Pflugerville. Many of them see sales rise with the event calendar and university schedule, then soften during slower weeks. An advance can smooth out those swings.
| Factor | What it tells us |
|---|---|
| Bank statements | About three months of deposits and balances |
| Existing obligations | Current advances, loans and fixed debits |
| Credit | FICO 500+ considered, soft pull to start |
| Business type | How steady and seasonal your sales are |
No tax returns are required, and sole proprietors can apply. The amount offered depends mainly on deposits and existing obligations, from $25,000 to $5,000,000.
Look at three things before you accept: the amount you receive, the full repayment amount, and how often payments come out. Compare the payment against your slowest recent weeks, not your best ones. If South by Southwest or a home football weekend inflated one month, think about how the schedule feels in a normal month. A smaller advance that fits comfortably is often the smarter choice, and you can ask us to adjust the amount before you sign anything. The decision stays with you, and walking away from an offer that does not fit costs nothing.
If you want a reserve you can tap repeatedly, a line of credit in Austin may suit you. For a single need with fixed payments, compare working capital loans. Our Texas merchant cash advance page covers the statewide picture.
Qualified businesses can be funded in as little as 24 hours. Apply online in about five minutes.
No. It is a purchase of a portion of your future receivables, repaid from sales according to the schedule in your offer.
Costs vary by business. Your offer shows the full repayment amount before you accept, so you can decide with the numbers in front of you.
FICO scores from 500 are considered. Deposits and existing obligations also weigh heavily.
Seasonality is part of the review, not an automatic problem. We read the full three months of statements to understand your pattern.
Qualified businesses can be funded in as little as 24 hours after approval.
Example uses for illustration only.
These moves can strengthen your advance offer.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding