A lump sum repaid from future sales. $25,000 to $5,000,000, about three months of bank statements, and no tax returns.
Get My OfferTennessee Merchant Cash Advance
Whether you run a Nashville kitchen, a Memphis repair shop or a Smokies gift store, an advance is sized to the revenue your account already shows.
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 minutes to apply, about three months of statements to review, and funding in as little as 24 hours for qualified businesses.
FICO 500+ considered. We look closely at the strength and consistency of your deposits.
Your offer shows exactly what you will repay before you accept. No surprise costs after you sign.
The repayment schedule is spelled out in the offer, so you know how it fits your cash flow 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 gives your business a lump sum now in exchange for a share of future sales. Instead of a bank loan built around years of tax returns, the advance is built around the revenue already flowing through your account. That makes it a practical fit for businesses that take card payments or see steady daily deposits.
Your offer lays out the full repayment amount and the repayment schedule before you accept. Nothing is added after you sign.
Tennessee has a wide mix of businesses that sell every day. Restaurants and music venues in Nashville, barbecue joints and logistics-related shops around Memphis, and cabins, attractions and gift stores near the Smoky Mountains all run on daily sales. Tourism towns like Gatlinburg and Pigeon Forge get busy in summer and around fall color, then slow down in the winter months.
An advance can help you stock up before a busy stretch, replace a cooler that failed in July, or cover payroll during a quieter month. Because it is tied to your sales, it is built for businesses whose revenue moves with the calendar.
We do not ask for tax returns. Sole proprietors can apply. We built this for established businesses with steady deposits, and we look at how consistent those deposits are and what other obligations already come out of the account.
Some owners are better served by a lump sum of working capital or a business line of credit they can draw on as needed. If the need is a specific machine or vehicle, equipment financing may make more sense. We also offer revenue-based financing. When you apply, we can talk through which product matches what you are trying to do.
No. It is a purchase of a portion of your future sales. You receive a lump sum and it is repaid from your revenue on the schedule shown in your offer.
Advances range from $25,000 to $5,000,000. The amount depends mainly on your deposits and the obligations you already carry.
We consider owners with a FICO of 500 and up. Your deposit history matters a great deal in the review.
Qualified businesses can be funded in as little as 24 hours after accepting an offer.
Yes. Sole proprietors can apply as long as the business has steady deposits in a business bank account.
Restaurants, bars, retailers, salons, auto shops and tourism businesses are common, since they take payments every day. Any established business with steady deposits can apply.
Example uses for illustration only.
These habits help your statements present a clearer picture of your business.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding