Turn steady Detroit sales into working cash. Five-minute application, soft pull to start, FICO 500+ considered, no tax returns.
See My OptionsDetroit Merchant Cash Advance
Whether your business runs on plant shifts, weekend crowds or service calls, an advance uses your deposit history to fund what comes next.
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 quick form. Funding in as little as 24 hours for qualified businesses.
FICO 500 and above is considered. Recent deposits carry weight.
Your offer shows the full repayment amount before you accept, with no surprise costs after signing.
How and when payments are collected is spelled 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 provides a lump sum up front in exchange for a share of future sales. It looks at the strength of your deposits rather than collateral or years of filings. For a Detroit restaurant in Corktown, a body shop on the east side or a suburban retailer, that can mean capital without the bank's checklist.
Many local businesses are linked, directly or indirectly, to the auto industry. When production schedules shift, everyone from parts suppliers to lunch spots near the plants feels it. Long winters slow foot traffic and outdoor trades. An advance can cover:
About three months of business bank statements, a soft credit pull to start and a five-minute application. No tax returns. FICO 500 and above is considered. Sole proprietors can apply. We work with established businesses with steady deposits, from $25,000 to $5,000,000.
Your offer amount depends mainly on deposits and existing obligations. Consistent monthly deposits and a clean account history support a larger advance. Uneven deposits, frequent overdrafts or several payments already leaving the account tend to reduce it.
For illustration, a family restaurant in Hamtramck with steady weekday and weekend sales might use an advance to update its kitchen line before the busy holiday stretch. An auto repair shop in Warren might use one to buy diagnostic tools that let it take on newer vehicles. Each request is tied to something that should support future sales.
When you plan the request, think about how the collections described in your offer will fit with slower winter weeks. Choosing an amount you can comfortably carry through the quieter months matters more than getting the biggest possible number. We are happy to talk through sizing before you accept.
If your needs come and go, a business line of credit in Detroit may be the better tool. For broad operating costs, see working capital in Detroit. Whatever you pick, your offer lays out the full repayment amount and how collections work before you accept.
Repayment comes from a share of future sales, collected on the schedule described in your offer. You see the full repayment amount before accepting.
Qualified businesses can be funded in as little as 24 hours after review.
Yes. FICO 500 and up is considered, and we weigh your recent deposits and existing obligations heavily.
No. We use about three months of business bank statements.
Sole proprietors can apply. We review the business deposit history the same way we would for any established business.
Example uses for illustration only.
A few practical steps for a stronger Detroit request.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding