Get funds ahead of summer based on the sales your business already brings in. Soft pull to start, three months of statements, no tax returns.
See My OptionsMerchant Cash Advance
Boardwalk restaurants, rental shops and service businesses near the bases use an advance to buy, hire and repair before the crowds arrive.
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.
About 5 minutes and three months of statements. No tax returns, and funding in as little as 24 hours for qualified businesses.
FICO scores from 500 are considered. Steady deposits matter as much as your score.
Your offer shows the full repayment amount before you accept. No surprise costs after you sign.
How remittances are collected is laid out in your offer up front, so nothing catches you off guard.
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.
If you run a restaurant on Atlantic Avenue, a rental shop in Sandbridge or a salon near Hilltop, you know the pattern: card swipes surge from Memorial Day to Labor Day, then taper. A merchant cash advance provides a lump sum now in exchange for a portion of future receivables. Because it is tied to sales you already generate, it can suit businesses whose busiest months are easy to predict but whose cash needs come earlier.
Before you accept, your offer shows the full amount to be repaid and how remittances work.
For illustration: a Shore Drive seafood spot buys a second fryer line and patio furniture in April. A tattoo studio near the Oceanfront renovates during the slow season. An auto repair shop near Oceana adds a lift to keep up with service members' vehicles. A food truck operator adds a second truck ahead of summer festival weekends. Each one uses a known busy season to support the advance.
Will this money produce revenue or protect revenue? Can your deposits comfortably support remittances during your slower months? Do you have other obligations that would compete for the same cash? Honest answers help you request the right amount and help us size an offer that works through the whole year, not just July.
Very little. Fill out the short application, connect or upload about three months of business bank statements, and tell us roughly how much you need and why. If you already have other financing, list it; it affects what amount makes sense and helps us avoid offering more than your deposits can support. Once your offer arrives, read the repayment amount and remittance details carefully, ask questions, and accept only when it fits.
Need flexibility instead of a lump sum? See our Virginia Beach line of credit. Want a set schedule? Look at working capital loans. Statewide info lives on our Virginia MCA page. Ready? Apply in five minutes.
No. An MCA is an advance against future receivables. Your offer explains exactly what is repaid and how remittances are collected before you accept.
Between $25,000 and $5,000,000, depending mainly on your deposits and existing obligations.
We look at your deposit pattern across your statements. Seasonal dips are common here and are considered when sizing an offer.
No tax returns are required. About three months of business bank statements and a short application are enough to start.
Yes, sole proprietors can apply.
Example uses for illustration only.
A stronger application usually comes down to a few basics.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding