Funding tied to your future sales, built for Oregon businesses with steady deposits. Five-minute application, soft credit pull, no tax returns.
Get My OfferMerchant Cash Advance, Oregon
From Portland storefronts to coast and mountain businesses that ride the tourist season, an advance lets you move on an opportunity now and repay from sales.
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.
Apply in about 5 minutes with roughly three months of statements. Qualified businesses can be funded in as little as 24 hours.
FICO 500+ considered. Sales activity in your account matters most.
The total repayment amount is in your offer before you accept. No surprise costs show up after signing.
Your offer shows how and when repayment happens, so there are no guesses later.
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 the revenue you bring in. Your offer spells out the full amount to be repaid and the schedule before you agree to anything.
We offer advances from $25,000 to $5,000,000, sized to what your deposits can comfortably carry.
Advances tend to fit businesses with frequent card or bank deposits: a cafe in Portland, a brewery taproom in Bend, a coastal gift shop in Newport, or an auto shop in Salem. Oregon's tourism seasons, the summer rush on the coast and in the Cascades, and the wet-winter slowdown in outdoor work all show up clearly on a bank statement. We read those swings in context rather than as warning signs.
No tax returns are required. We consider FICO scores from 500 up, and sole proprietors can apply.
Before you sign anything, take a few minutes with the offer. Check the amount you receive, the total amount to be repaid, and how often repayment happens. Then compare that schedule against your slowest month, not your best one. If a Portland restaurant can carry the payment in February, it can usually carry it in July. If you have questions about any line, ask us before you accept. There is no pressure to sign on the spot.
If you want to draw funds only as needed, a business line of credit in Oregon may be a closer match. Buying a specific machine or vehicle is often better handled with equipment financing. For general operating needs, see working capital in Oregon. We'll talk through the options with you before you commit.
Ready to see numbers? Start your application.
No. An advance is a purchase of a portion of your future sales. Repayment comes from revenue, and the full repayment amount is shown in your offer before you accept.
Advances range from $25,000 to $5,000,000. The amount depends mainly on your deposit history and any obligations you already carry.
We consider FICO scores of 500 and up. Your deposits and account history weigh heavily in our review.
Seasonal businesses can apply. We look at how the business has handled its slower months in past statements.
Qualified businesses can be funded in as little as 24 hours after accepting an offer and signing.
Repayment is tied to your revenue as described in your offer. Read the schedule carefully and tell us about expected slow periods before you accept so the offer fits your business.
Example uses for illustration only.
These habits usually lead to a stronger advance offer.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding