Funding based on your sales, from $25,000 to $5,000,000. Soft pull to start, about three months of statements, no tax returns.
Get My OfferMichigan Merchant Cash Advance
From Upper Peninsula resorts to Detroit-area suppliers, Michigan businesses run on uneven calendars. A merchant cash advance puts working cash in your account now and ties repayment to your revenue.
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, about three months of bank statements, and funding in as little as 24 hours for qualified businesses.
FICO 500+ considered. Sales history and deposits carry real weight.
The full repayment amount is in your offer before you accept. Nothing new appears after you sign.
Your repayment schedule is spelled out in the offer, so there are no guesses about what comes out.
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 now in exchange for a share of future sales. Instead of a fixed loan payment set by a bank, repayment comes from your revenue on a schedule spelled out in your offer. It tends to suit businesses with card sales or steady daily deposits: restaurants, retailers, salons, repair shops and service companies.
Michigan's calendar shapes a lot of cash flow. Up north, resorts, marinas and restaurants around Traverse City, Mackinac and the lakeshore do much of their year in a few warm months. In Detroit, Grand Rapids and Lansing, suppliers tied to auto manufacturing can see orders swing with production schedules. Farm stands and food processors follow the harvest. An advance can bridge the gap between the bills that arrive now and the sales that come later.
Common uses we see:
Advance amounts run from $25,000 to $5,000,000 and depend mainly on your deposits and the obligations already drawing from your account. A Lansing auto shop with consistent monthly deposits and no other financing generally has more room than a business already carrying two payments. We would rather size something you can carry comfortably.
For illustration only: a Saginaw restaurant with even deposits through the year may be offered a different amount than a lakeshore ice cream shop that earns most of its revenue between June and August, even if their annual totals look alike. The pattern in your statements matters as much as the total.
FICO scores of 500 and up are considered, and sole proprietors can apply. If you want flexibility to draw only what you need, compare a business line of credit in Michigan.
Not exactly. It is a purchase of a portion of your future sales. You get a lump sum now, and repayment comes from your revenue on the schedule shown in your offer.
Seasonal businesses can apply. We review about three months of statements and look at your deposit pattern, so it helps to apply when your statements reflect your normal activity.
Funding can arrive in as little as 24 hours for qualified businesses after you accept an offer.
We consider FICO 500 and up. Your deposits and existing obligations weigh heavily alongside your score.
Yes. Your offer shows the full repayment amount before you accept, so there are no surprise costs after you sign.
Example uses for illustration only.
These steps help an advance application go smoothly.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding