Funding based on your sales, for established San Francisco businesses with steady deposits. Soft pull to start, no tax returns required.
See My OfferMerchant Cash Advance ยท San Francisco
From neighborhood restaurants to retail near the tourist corridors, an advance gives you a lump sum now, with the full repayment amount shown before you sign.
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.
A 5-minute application and about three months of bank statements. No tax returns. Funding in as little as 24 hours for qualified businesses.
FICO 500+ considered. Your deposit history carries a lot of weight in the review.
Your offer shows the total you will repay before you accept. No surprise costs after you sign.
How repayment works is laid out in your offer up front, 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.
San Francisco businesses live on daily receipts. Restaurants in the Mission, retail along Union Square, coffee bars in SoMa that depend on office traffic, and shops that fill up when conventions and tourists come through. Those deposits are steady, but they move with the calendar, the weather, and whether people are in the office that week.
A merchant cash advance fits that rhythm. You receive a lump sum up front based on your future sales, and repayment comes from those sales on the schedule shown in your offer. It is built for businesses that already have consistent deposits, not for a concept that has not opened yet.
If you expect several smaller needs rather than one, a business line of credit in San Francisco may suit you better. For general cash flow, see working capital loans in San Francisco.
We read about three months of business bank statements. The questions are simple: how much comes in, how evenly it arrives, and what already goes out each month for existing obligations. Those three things drive the size of an offer more than anything else.
Credit is part of it. FICO scores from 500 are considered, and we start with a soft credit pull so looking at options does not ding your score. We do not ask for tax returns, and sole proprietors can apply.
The application takes about 5 minutes. Once your statements are in, we put together an offer that shows the full repayment amount and how repayment works before you agree to anything. Qualified businesses can be funded in as little as 24 hours. Funding ranges from $25,000 to $5,000,000.
Comparing across the state? Our California merchant cash advance page covers the bigger picture.
It is an advance on your future sales. You receive a lump sum, and repayment comes from your sales according to the terms laid out in your offer.
Funding runs from $25,000 to $5,000,000. The amount depends mainly on your monthly deposits and the obligations already coming out of your account.
Funders look at how deposits move across the months, so seasonality is part of the picture. Three months of statements shows us your current pattern, and we weigh it together with the rest of your file.
We start with a soft credit pull, which does not affect your score. FICO 500 and up is considered.
Yes. Sole proprietors can apply as long as the business has steady deposits.
Decisions move quickly once statements are in. Qualified businesses can be funded in as little as 24 hours.
Example uses for illustration only.
A few steps can make your San Francisco file stronger before you apply.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding