Sales-based funding for Chicago restaurants, retailers, salons and repair shops. About three months of statements, no tax returns, soft pull to start.
Apply NowMerchant Cash Advance | Chicago
Summer patios and winter slowdowns shape cash flow across the city. We review your deposits and show the full repayment amount before you accept.
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.
Five minutes to apply and about three months of statements. Qualified businesses funded in as little as 24 hours.
FICO 500 and up considered, with real weight on your deposits.
Your offer shows the full repayment amount before you accept. No surprise costs after you sign.
The collection schedule is laid out in the offer so there are no surprises.
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 provides a lump sum in exchange for a portion of future sales. When business is strong, remittances keep pace. That structure appeals to Chicago restaurants, bars, retail shops and salons whose revenue rises in summer and slows when the lake wind kicks in.
Funding ranges from $25,000 to $5,000,000 for established businesses with steady deposits.
A spot in Pilsen needs a new range before patio season. An advance covers the purchase without waiting on a bank.
The owner wants holiday inventory in October, while card sales are still building.
A lift and diagnostic tools need replacing, and the shop has steady card deposits to show for it.
These are for illustration only.
We read about three months of business bank statements, looking at deposit consistency and any obligations already in place. No tax returns are required. Credit starts with a soft pull, and FICO 500 and up is considered. Sole proprietors can apply.
A merchant cash advance fits best when the money goes toward something that supports sales: equipment that keeps the kitchen open, inventory that will sell through, or a renovation that brings in more customers. It is less suited to covering ongoing losses with no plan to turn them around.
Chicago businesses also deal with a sharp seasonal swing. Patio dining, street festivals and tourism lift summer revenue, while January and February can be quiet for many neighborhoods. Because remittances tie to sales, an advance can track those swings more closely than a fixed bank payment. Still, run the numbers yourself. Compare the full repayment amount in your offer to the profit you expect the funds to generate, and make sure the math works in your slower months too.
Your offer shows the full repayment amount and how remittances are collected before you accept. There are no surprise costs after you sign. If a fixed draw-as-needed setup sounds better, look at a business line of credit in Chicago or general working capital. When you are ready, start your application.
An advance is based on future sales rather than a traditional installment loan. Remittances are tied to your revenue, and the offer spells out the full repayment amount.
Qualified businesses can be funded in as little as 24 hours after approval and signing.
FICO 500 and up is considered. Deposits carry a lot of weight in our review.
No. We use about three months of business bank statements.
Yes. Seasonal businesses with steady deposits over time can apply. We look at the pattern, not just one month.
Existing obligations are part of our review. We look at them alongside your deposits to determine what amount and structure make sense.
Example uses for illustration only.
Before applying, consider these steps.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding