Put it into things that repay quickly — inventory you know will sell, a profitable contract, or equipment that adds output — and size it so payments fit slow weeks.
Check my optionsMerchant cash advance
A merchant cash advance is short-term, frequent-payment capital. It works best for growth moves that pay back quickly and visibly, such as inventory that sells within weeks or capacity that fills existing demand, and poorly for long projects.
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.
Net cash, total payback and payment shown before you sign.
You can apply at 500; stronger credit opens more products.
Approved files are usually funded the next business day.
A person reviews your revenue, time in business and bank activity, often within hours.
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.
Pick the right kind of growth. Good candidates include stocking up before a busy season, buying inventory at a volume discount that sells within the term, adding a piece of equipment that immediately lets you serve waiting customers, or covering materials and labor for a signed contract. Each has revenue arriving soon enough to cover the daily or weekly payments.
Size it to the opportunity. Calculate the cost of the growth move, subtract what you can cover from cash and request the difference. The factor rate applies to every dollar advanced, so borrowing extra just in case increases cost without increasing return. Then check the payment against your slowest week, not your average.
Do the payback math before signing. If a $25,000 inventory purchase will generate $40,000 in sales at a 40% gross margin over eight weeks, that is $16,000 of gross profit. Compare it with the total cost of the advance. If gross profit comfortably exceeds the cost and the payment fits, the move is sound.
Use the structure to your advantage. If your agreement offers discounts for early payoff at 30, 60 or 90 days, as some MFE agreements do, and the growth move produces cash faster than expected, paying down early reduces cost. If sales slow, true advances often allow reconciliation to actual receivables.
Finish strong. Completing the advance with steady balances positions you for a larger or cheaper next round, or for a line of credit. MFE considers credit from 500 and can fund the next business day once documents are complete.
Here is a growth advance with its payback check. Illustrative numbers.
| Amount funded | $100,000 |
| Factor rate | 1.38 |
| Total payback (amount × factor) | $138,000 |
| Fees deducted at funding (5%) | $5,000 |
| Net cash you receive | $95,000 |
| Weekly payment over 52 weeks | $2,654 |
| Same total as daily debits (~260 business days) | $531/day |
Illustrative numbers only. Your offer depends on your file; always compare net cash and total payback in writing.
| Pre-season inventory | Good fit |
| Volume discount purchase | Good fit if it sells within the term |
| Equipment that fills waiting demand | Good fit |
| Signed contract materials | Good fit |
| Multi-year build-out | Poor fit; use longer-term financing |
Good fit:
Probably not yet:
Yes, for short-payback moves such as inventory or capacity that fills existing demand.
The cost of the growth move minus available cash, not the maximum.
Compare expected gross profit within the term with the total cost of the advance.
Some agreements offer discounts at 30, 60 or 90 days.
Many true advances allow reconciliation to actual receivables.
Long projects such as multi-year build-outs.
Example uses for illustration only.
Before you apply:
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding