Lump-sum funding based on your sales, for established Seattle businesses with steady deposits. Soft pull to start, no tax returns.
See My OptionsMerchant Cash Advance ยท Seattle
Cafes, shops and service businesses across Seattle use an advance for a single need, with the full repayment amount shown in the offer before they accept.
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-minute application, about three months of statements, no tax returns. As little as 24 hours for qualified businesses.
FICO 500+ considered. Steady deposits weigh heavily in our review.
Your offer shows the full amount you will repay before you accept. No surprise costs after you sign.
How repayment works is laid out in your 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.
Seattle's small business economy leans on things people buy every day: coffee, food, retail, personal services, and the trades that keep homes and offices running. Sales in many of these businesses follow the seasons. Summer brings visitors, cruise traffic and long evenings. The rainy months can thin out foot traffic for neighborhood shops.
A merchant cash advance is funding against your future sales. You receive a lump sum now and repay it from sales according to your offer. Because it is tied to sales, it suits businesses with regular card and bank deposits.
An advance tends to work for owners who:
If you would rather draw only as needed, look at a Seattle business line of credit. For the state view, see merchant cash advances in Washington.
We read about three months of business bank statements. We are looking at three things: how much you deposit, how regular it is, and what already comes out for existing obligations. The amount depends mainly on those.
FICO 500 and up is considered. A soft pull starts the process, so comparing options does not affect your score. We do not ask for tax returns, and sole proprietors can apply.
For illustration only: a Seattle coffee shop with two locations wants to replace an aging espresso machine and refresh its seating before the summer visitor season. Its card deposits are consistent, though they dip during the wettest months. It has no other financing on the account.
A funder would look at the average deposits across the statements, note the seasonal dip, and size an advance the shop can carry from its sales. The offer would spell out the full repayment amount and how repayment works. Every real offer depends on the real numbers, but the logic is the same: deposits and existing obligations drive the amount.
Fill out the 5-minute application and send your statements. We send 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. Advances range from $25,000 to $5,000,000.
You receive a lump sum based on your future sales and repay it from those sales under the terms in your offer.
Yes. Funders look at the pattern in your deposits, including seasonal swings, and weigh it with the rest of your file. Applying lets us see your actual numbers.
About three months of business bank statements and a 5-minute application. No tax returns.
No. We start with a soft credit pull.
From $25,000 to $5,000,000, based mainly on your deposits and current obligations.
Yes. Owners use advances for equipment, remodels, inventory and marketing. The use should fit a business with steady sales.
Example uses for illustration only.
Some simple moves can strengthen a Seattle advance application.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding