Funding based on your sales, not just your credit score. 5-minute application, about three months of bank statements, no tax returns required.
See My AdvanceMerchant Cash Advance, Phoenix
Snowbird season, summer heat and everything between. We look at your real deposits, so a seasonal swing is read in context.
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, not tax returns. Qualified businesses can be funded in as little as 24 hours.
Your sales history counts heavily, so a past credit bump does not end the conversation.
The total repayment amount is in your offer before you accept, with no surprise costs after signing.
The repayment schedule is set out in the offer so you can plan your cash flow 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.
A merchant cash advance gives you a lump sum based on your future sales. Instead of a traditional loan, you repay out of business revenue on the schedule laid out in your offer. It tends to fit Phoenix businesses that take a lot of card payments: restaurants, salons, auto shops, boutiques, gyms and service companies that bill on the spot.
Your offer shows the full repayment amount before you accept, so you can weigh the cost against what the money will do for your business.
Card volume in the Valley shifts with the weather. Restaurants and retailers in Scottsdale, Tempe and downtown often see their strongest months when visitors and seasonal residents are in town, then a quieter stretch once summer sets in. Service businesses like pool, HVAC and pest control often run the opposite curve. We read your statements with that rhythm in mind rather than judging one slow month in isolation.
Amounts start at $25,000 and depend mainly on your deposits and the obligations you already have.
An advance makes the most sense when you have a clear use that should pay for itself, like inventory you know will sell during the busy season or equipment that keeps the doors open. It is less suited to covering a long decline in sales with no plan to turn it around. Before you accept, look at the full repayment amount in your offer and compare it with what the money will produce. If you need cash more than once a year, a business line of credit in Phoenix may suit you better. We would rather you take the right product than the biggest number.
A 5-minute application, a soft credit pull to start, and about three months of business bank statements. No tax returns required. We consider FICO scores of 500 and up, and sole proprietors can apply. Qualified businesses can be funded in as little as 24 hours. Apply here.
Not sure an advance is right? Compare working capital loans in Phoenix or read about the merchant cash advance across Arizona.
No. It is an advance against future sales, repaid from business revenue on the schedule set out in your offer.
We look at the pattern across your statements. A seasonal dip is normal in Phoenix; consistency over time is what we weigh.
We consider FICO 500+, alongside your deposit history and current obligations.
Your offer shows the full repayment amount before you accept. There are no surprise costs after you sign.
Funding can arrive in as little as 24 hours for qualified businesses.
Example uses for illustration only.
Merchants who prepare a little often see cleaner offers.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding