Turn your sales history into working cash. 5-minute application, about three months of bank statements, FICO 500+ considered.
See My OfferMerchant Cash Advance, Philadelphia
Neighborhood businesses keep this city going. An advance gives you cash now based on the revenue you already bring in.
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.
Bank statements instead of tax returns. Qualified businesses can be funded in as little as 24 hours.
FICO 500+ considered. Deposit history plays a big role in what we offer.
See the full repayment amount in your offer before accepting. No surprise costs after you sign.
The repayment schedule is laid out in your offer, so you can plan around it.
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.
Philadelphia has a deep bench of independent businesses: corner restaurants, neighborhood bars, salons, auto shops, boutiques on Passyunk and in Old City, and food vendors around Reading Terminal and the stadiums. Many of them take most of their revenue by card. A merchant cash advance turns that sales history into a lump sum you can use now, repaid from future revenue on the schedule in your offer.
We read your bank statements for consistency. A cheesesteak shop that slows in late winter and spikes during football season, or a bar near the universities that drops off over summer break, is not a red flag on its own. What matters is the overall pattern of deposits and the obligations you already carry. That is also what drives the amount, which starts at $25,000.
We consider FICO 500+, and sole proprietors can apply.
An advance is a tool, and like any tool it fits some jobs better than others. It works well when the money goes toward something that brings revenue back in, like a new oven that lets you add a lunch service or holiday stock you know will move. It is a weaker fit for covering losses with no plan behind them. Look at the full repayment amount in your offer, look at the repayment schedule, and ask whether your sales can carry it comfortably during your slowest stretch, not just your best month. If the answer is not clear, a smaller amount or a different product may serve you better, and we will talk that through with you.
We also look at what you already owe. If you have other financing running, list it on the application so the offer reflects your real cash flow and does not stretch you thin.
Get started here. You can also compare working capital loans in Philadelphia or view our Pennsylvania merchant cash advance page.
Businesses with steady card or deposit volume, like restaurants, retailers and service shops, that want funding based on sales.
From your business revenue, on the schedule laid out in your offer before you accept.
Seasonal dips are common in Philadelphia. We look at the pattern across several months.
Your offer shows the full repayment amount before you sign, so there are no surprise costs afterward.
We consider FICO 500+, alongside your deposits.
Example uses for illustration only.
These habits make your sales history easier to read.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding