Capital for Boston businesses based on your sales, not a stack of tax returns. Five-minute application, soft pull to start, FICO 500+ considered.
See My OfferBoston Merchant Cash Advance
From campus-area restaurants to neighborhood retailers, an advance lets Boston owners use steady deposits to fund what the business needs now.
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.
Three months of statements and a five-minute form. Funding in as little as 24 hours for qualified businesses.
FICO 500 and up is considered. Your deposit history carries real weight.
You see the full repayment amount in your offer before you accept, with no surprise costs once you sign.
How and when payments are collected is laid out in the 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.
A merchant cash advance gives your business a lump sum in exchange for a portion of future sales. Instead of a bank loan built around collateral and years of tax returns, it is based on the money that already moves through your account. For a Boston cafe, salon, auto shop or retailer with steady card and bank deposits, that can be a practical way to get capital without a long process.
Boston's neighborhoods have very different rhythms. Spots near universities follow the academic calendar. Waterfront and downtown businesses ride tourism in the warmer months. Contractors and landscapers can lose weeks to snow. An advance can help you:
Our five-minute application, about three months of business bank statements and a soft credit pull to start. No tax returns. FICO scores of 500 and up are considered, and sole proprietors can apply. We fund established businesses with steady deposits, from $25,000 up to $5,000,000.
The advance amount is driven mainly by your deposits and existing obligations. A business with consistent monthly deposits and few current payments will usually see a larger offer than one with uneven deposits or several obligations already coming out of the account.
For illustration, a neighborhood cafe in Somerville or Jamaica Plain with steady daily card sales might ask for enough to cover a new espresso setup and a month of slower summer revenue. A retailer near Faneuil Hall might time a request before the warmer months to build inventory. In both cases, the bank statements show the pattern we review.
Asking for an amount tied to a specific plan, rather than the largest possible number, tends to produce an offer that is easier to carry while you repay.
An advance is not the only tool. If you expect to need cash again and again, a business line of credit in Boston may suit you better. For general operating needs, compare working capital. Whatever you choose, your offer shows the full repayment amount and how repayment works before you accept.
It is structured as a purchase of future sales rather than a traditional loan. Your offer explains exactly how much is repaid and how payments are collected.
Qualified businesses can be funded in as little as 24 hours after the review is complete.
FICO 500 and above is considered. Deposits and existing obligations weigh heavily in the review.
About three months of business bank statements and a short application. No tax returns are required.
We look at the full picture of your deposits. Seasonal patterns are common in Boston, and we review them in context rather than in isolation.
Example uses for illustration only.
Simple steps that can strengthen a Boston advance request.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding