Turn steady Oakland sales into working funds. Apply in 5 minutes, share about three months of statements, and see the full repayment before you accept.
Check My AdvanceMerchant Cash Advance
Restaurants, shops and service businesses across Oakland use an advance to buy inventory, fix equipment or cover a slow stretch without pledging property.
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, about three months of statements and no tax returns. Funding in as little as 24 hours if qualified.
FICO 500+ is considered. Your sales history carries real weight.
The full repayment amount appears in your offer before you accept. No surprise costs after you sign.
Your repayment schedule is laid out in the offer so you can match it to your sales rhythm.
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 you a lump sum now in exchange for a share of future receivables. Instead of pledging property, you show us a steady stream of deposits. That makes it a common choice for Oakland restaurants, retailers, salons and service businesses whose card and cash sales are consistent even when the calendar is not.
Think of a taqueria in Fruitvale that does strong weekend volume, a Lakeshore Avenue shop that sells through the holidays, a barbershop in Rockridge with a full book, or a repair shop near the port that services local delivery fleets. These businesses run a lot of transactions. That steady flow is what an advance is built around.
No tax returns are required, and sole proprietors can apply. The application takes about five minutes.
Before you accept, your offer shows the advance amount, the full repayment amount and the repayment schedule. Read all three together. If the payment would leave your account thin during your slow weeks, ask about a smaller amount or a different product. A comfortable advance is better than a large one that strains your operations.
Before applying, look at your last three months honestly. Do your slowest weeks still cover rent and payroll with something left over? Are you already repaying another advance? What exactly will the funds do, and how soon will that use bring revenue back in? Owners who can answer those three questions tend to choose an amount that helps rather than strains. If the answers point somewhere else, such as a reusable line, we would rather tell you that up front.
If you would rather draw funds as needed, a business line of credit in Oakland might suit you. For a fixed amount with a set plan, compare working capital loans. If you are ready to see what an advance looks like for your business, apply now.
An advance is a purchase of future receivables, repaid from your sales according to the schedule in your offer, rather than a traditional loan.
Advances range from $25,000 to $5,000,000. The amount depends mainly on your deposits and existing obligations.
FICO scores from 500 are considered. Steady deposits weigh heavily alongside your credit history.
Funding can arrive in as little as 24 hours for qualified businesses once you accept your offer.
Yes. The full repayment amount and schedule are in your offer before you sign, with no surprise costs afterward.
Example uses for illustration only.
These habits help your advance offer reflect your real business.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding