Turn steady deposits into working cash for harvest runs, busy summers or rainy-season gaps. 5-minute application, soft pull to start.
Get My OfferMerchant Cash Advance, Washington
From Seattle storefronts to eastern Washington growers, we base advances on the revenue already moving through your business account.
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.
Apply in five minutes with about three months of bank statements. No tax returns, and funding in as little as 24 hours for qualified businesses.
FICO 500+ considered. Steady deposits and manageable obligations carry real weight in our review.
Your offer shows the total repayment amount before you accept. No surprise costs after you sign.
How and when remittances are collected is laid out in the offer up front, so you can plan around it.
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.
Washington businesses rarely see flat months. Orchard country around Wenatchee and Yakima peaks at harvest, coastal towns fill up when the weather turns dry, and Seattle and Spokane restaurants swing with events, tourism and rain. A merchant cash advance fits that pattern because it is based on your future receivables rather than a fixed bank loan built around a perfect year.
We provide merchant cash advances from $25,000 for established businesses with steady deposits. Larger requests can reach the upper end of our $5,000,000 range when the deposit history supports it.
With an MCA, you receive a lump sum now in exchange for a portion of future receivables. Instead of judging you mainly on collateral or tax returns, we look at the deposit activity that already flows through your business account.
We see advances used for practical, revenue-linked needs: a Tacoma auto shop buying parts ahead of a busy stretch, a Bellingham brewery covering a large malt order, a Spokane contractor carrying payroll until a progress payment clears, or a Puget Sound seafood wholesaler filling cold storage before a peak season. The common thread is a short-term cash gap with revenue expected behind it.
Before you accept, check three things in the offer: the amount you receive, the full repayment amount, and how remittances come out of your account. For illustration: a Bellingham brewery taking an advance ahead of summer should be able to see, in writing, exactly what it will pay back in total and how collections line up with its busier and slower weeks. If any part of the offer is unclear, ask before you sign. We would rather you understand it fully than accept something that strains your cash flow.
An MCA works best when deposits are steady and the need is specific. If you want flexible access you can draw on over time, compare a business line of credit in Washington. For broader cash needs, see working capital in Washington. When you are ready, start your application.
Not necessarily. We look at total business deposits shown in your bank statements, so businesses with a mix of card, ACH and check revenue can apply.
FICO 500+ is considered. Credit is weighed together with deposit consistency and current obligations rather than on its own.
Advances start at $25,000. The amount depends mainly on your deposit volume and the obligations you already carry.
Yes. Your offer shows the full repayment amount and the remittance schedule before you accept, with no surprise costs after you sign.
Yes. Sole proprietors with a business bank account and steady deposits can apply.
Example uses for illustration only.
Before applying, a little cleanup can make your deposit story easier to read.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding