A lump sum from $25,000 to $5,000,000 tied to your future sales. About three months of bank statements and a 5-minute application.
Get StartedRhode Island Merchant Cash Advance
Restaurants, retailers and seasonal businesses across Rhode Island use a merchant cash advance to prepare for busy months without waiting on a bank.
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.
5 minutes to apply, about three months of statements, and funding in as little as 24 hours for qualified businesses.
FICO 500+ considered, with a soft credit pull to start.
Your offer lists the full repayment amount before you accept. No surprise costs after you sign.
How and when remittances happen is laid out in the offer up front.
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.
Rhode Island runs on small businesses that take cards all day: restaurants on Federal Hill, shops and inns in Newport, seafood spots along the coast, salons and cafes in Warwick and Cranston. Many of them do their biggest months in summer and need cash before the crowds show up.
A merchant cash advance gives you a lump sum now in exchange for a portion of future sales. It is a fit for businesses with steady card or deposit activity that want funding tied to how they actually sell.
You receive a lump sum from $25,000 to $5,000,000. In return, you agree to remit a share of future receivables until the full agreed amount is delivered. Your offer shows that full repayment amount and how the remittance schedule works before you accept, so there is nothing to discover later.
We review about three months of business bank statements. There are no tax returns to gather, the application takes about 5 minutes, and we start with a soft credit pull. FICO 500+ is considered, and sole proprietors can apply.
For a Newport gift shop or a Block Island ferry-season cafe, the hard part is spring: hiring, stocking and repairs all come due before revenue picks up. A merchant cash advance can bridge that gap. Year-round businesses in Providence use it too, for kitchen upgrades, a second location buildout or a bulk inventory deal.
If your revenue is more invoice-based than card-based, look at working capital in Rhode Island or a business line of credit in Rhode Island. If you want to see where you stand, start the application. Funding can arrive in as little as 24 hours for qualified businesses.
A merchant cash advance is a purchase of a portion of your future receivables. You get a lump sum now and remit a share of sales until the agreed amount is delivered.
About three months of business bank statements and a 5-minute application. No tax returns are required.
FICO 500+ is considered. Your deposit history and card activity carry significant weight in the review.
Advances range from $25,000 to $5,000,000, based mainly on your deposits and any existing obligations.
Yes. Your offer shows the full repayment amount and how remittances work before you accept.
Yes. Many seasonal Rhode Island businesses apply in late winter or spring so they can hire, stock up and handle repairs before visitors arrive. Applying early gives you time to read the offer and plan remittances around your busiest and slowest months.
Example uses for illustration only.
These steps help a merchant cash advance request go smoothly.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding