Turn steady San Jose sales into working cash. Apply in about 5 minutes with roughly three months of bank statements.
Get My OfferMerchant Cash Advance | San Jose
Bay Area costs are high and surprises are expensive. An advance gives you cash 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.
A 5-minute application and about three months of statements. Funding in as little as 24 hours for qualified businesses.
FICO 500+ considered. Your sales history does a lot of the talking.
See the total repayment amount before you accept. No surprise costs after you sign.
The repayment schedule is laid out in the offer before you commit.
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 provides a lump sum based on the revenue your business brings in. Rather than relying on collateral or tax returns, we focus on your deposits. For many San Jose businesses with steady card sales, that is the more realistic way to get funding.
Advances start at $25,000. The amount depends mainly on your deposits and what you already owe, and every offer shows the total payback before you accept.
San Jose is the largest city in the Bay Area and has a huge mix of neighborhood businesses, from taquerias and pho shops on the east side to boutiques downtown and in Willow Glen. Sales can be steady, but Bay Area rent, wages and supplier costs leave little room for surprises.
Repayment comes from your future sales or deposits, and your offer lays out the schedule and total repayment before you sign. We do not add surprise costs afterward. Read the offer, compare it with your margins and only accept when it makes sense for your business.
A good test: will the advance pay for something that earns money or protects revenue? If yes, it is often a reasonable fit.
Advance amounts depend mainly on two things: how much comes into your business account each month and what already goes out for existing obligations. A business with consistent deposits and few other payments will usually see a larger offer than one with uneven deposits or several existing obligations. We do not use a fixed revenue minimum. Instead, we look at whether your business is established and how steady its deposits are over the statements you send. That approach lets a busy neighborhood restaurant and a growing service company both get a fair look, even if neither fits a bank's checklist.
The application takes about 5 minutes. We then look at about three months of business bank statements. A soft credit pull starts the process, FICO 500+ is considered and sole proprietors can apply. Qualified businesses can be funded in as little as 24 hours.
Not sure an advance fits? Look at San Jose working capital loans, a business line of credit in San Jose or our California merchant cash advance page. Ready now? Apply here.
It is an advance against future sales or deposits rather than a traditional bank loan. Your offer explains exactly how repayment works.
A 5-minute application and about three months of business bank statements. No tax returns are needed.
FICO 500+ is considered. Steady deposits weigh heavily in the decision.
Qualified businesses can be funded in as little as 24 hours.
Cost depends on your business. Your offer shows the full repayment amount before you accept, so you can decide with all the numbers in front of you.
Example uses for illustration only.
Strong, consistent deposits help any advance offer.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding