Get a lump sum now and repay from future sales. For established Charlotte businesses with steady deposits. No tax returns required.
See My OfferMerchant Cash Advance ยท Charlotte
From Uptown restaurants to South End salons and suburban service companies, an advance gives you capital tied to the revenue you already bring in.
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 about three months of statements. Funding in as little as 24 hours for qualified businesses.
FICO 500+ considered. Deposits carry real weight.
The full repayment amount is in your offer before you accept. No surprise costs after you sign.
How and when repayment happens 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 is not a traditional loan. You receive a lump sum now, and in return the funder receives a portion of future sales until the agreed amount is repaid. Because repayment is tied to revenue, it tends to suit businesses with regular card or deposit activity, the kind you find all over Charlotte: restaurants and breweries, salons, auto shops, retail stores, and service companies running daily jobs.
Your offer shows the full amount you will repay and how repayment works before you accept. Nothing is hidden in the fine print after you sign.
Charlotte's calendar has real peaks. Football Sundays and big events pull crowds into Uptown, summer patio season changes the pace for bars and restaurants, and the steady growth of new neighborhoods keeps contractors and home service businesses busy. An advance can help you:
We ask for about three months of business bank statements. They show us deposit volume, consistency, and what payments are already coming out of the account. Those factors drive the amount more than anything else. FICO scores of 500 and up are considered, no tax returns are required, and we begin with a soft credit pull. Sole proprietors can apply.
Whether the offer comes from us or anyone else, read it with a few questions in mind. What is the total amount I will repay? How is repayment collected, and how often? Does the amount I am taking match a specific need, or am I borrowing extra because it is available? A good advance solves a defined problem, such as equipment that has to be replaced or stock that has to be bought before a busy stretch. Our offers put the full repayment amount and the repayment process in writing before you sign, so you can answer those questions with real numbers.
An advance is one of several options. If you would rather draw only what you use, a Charlotte line of credit may fit better. For general operating needs, see working capital in Charlotte. Statewide information lives on our North Carolina MCA page. When you are ready, the application takes about 5 minutes.
Repayment comes from a portion of future sales, as described in your offer. The full repayment amount and how it is collected are shown before you accept.
Funding ranges from $25,000 to $5,000,000. The amount depends mainly on your deposit history and existing obligations.
FICO scores of 500 and up are considered, alongside the strength and consistency of your deposits.
Qualified businesses can be funded in as little as 24 hours after approval.
Restaurants and bars with steady deposits are a common fit. Each file is reviewed on its own deposit history.
An advance is based mainly on your sales and deposit history. Your offer explains the terms in full before you accept.
Example uses for illustration only.
Funders read your bank statements closely, so these habits matter.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding