Funding from $25,000 based on your sales history. Soft credit pull to start, about three months of bank statements, no tax returns.
Check My OfferMerchant Cash Advance ยท Portland
From food carts to breweries, Portland businesses with steady deposits can use an advance to cover inventory, staff and repairs without a long bank process.
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-minute application and about three months of bank statements. Qualified businesses can be funded in as little as 24 hours.
FICO 500 and up is considered. Your deposit history matters as much as your score.
Your offer shows the total repayment amount before you accept, with no surprise costs added after you sign.
Collections are laid out in your offer so you know what to expect from day one.
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 sales. It is built for businesses that take in card and bank deposits every week, which describes a lot of Portland: coffee roasters, food carts, breweries, salons, bike shops and the retailers along the city's neighborhood main streets.
We look at how money actually moves through your account, not just a credit score. If your deposits are steady, that history carries real weight in the review.
Many Portland owners know the pattern. Patio seating, festivals and visitor traffic pick up in the dry summer months, then the long wet season slows foot traffic for food, drink and outdoor retail. An advance can bridge that gap so you can staff up, stock up or keep payroll smooth while sales catch up.
The application takes about five minutes and starts with a soft credit pull. Expect to share roughly three months of business bank statements. We do not require tax returns, FICO scores from 500 up are considered, and sole proprietors can apply.
Funding ranges from $25,000 to $5,000,000, and qualified businesses can be funded in as little as 24 hours. If a line of credit suits you better, see our Portland business line of credit page, or compare options across the state on our Oregon merchant cash advance page.
An advance makes the most sense when you have a clear use for the money that will pay its way: inventory you know will sell, equipment that keeps the kitchen open, or staff for a season you can count on. It is less suited to covering a long decline in sales. Before you apply, sketch out what the money will do and how your deposits should look afterward. We are happy to talk that through so the offer you get matches the job you need done.
Every offer we send shows the full amount you will repay and how collections are scheduled, before you accept anything. Read it, ask questions, and only move forward if the numbers work for your shop. When you are ready, start your application.
No. Food carts, mobile services and home-based businesses with steady deposits can apply. What matters most is consistent revenue flowing through a business bank account.
We look at about three months of statements and talk through the pattern with you. A slow rainy stretch is normal for many Portland businesses and is part of the conversation, not something to hide.
We start with a soft credit pull, which does not affect your score the way a hard inquiry can.
Qualified businesses can be funded in as little as 24 hours once the offer is accepted and documents are verified.
Inventory, payroll, repairs, equipment, marketing or covering a slow season. The money is for running and growing your business.
Yes, but existing obligations affect how much we can offer. List them accurately so your offer fits what your Portland business can comfortably carry.
Example uses for illustration only.
A few habits make an advance offer stronger for any Portland business.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding