Straight answers about business funding.

A merchant cash advance is a revenue-based funding structure where a funding company purchases a portion of your future receivables. It can be useful for short-term working capital needs, but repayment frequency, total payback, and cash-flow impact should be reviewed carefully before accepting an offer.

We help businesses evaluate working capital, revenue-based financing, merchant cash advances, business lines of credit, equipment financing, invoice factoring, SBA options, and commercial real estate financing. Product availability depends on underwriting, revenue, business history, collateral, and partner requirements.

Program ranges typically start around $10,000 and may extend to $5,000,000 or more for qualified requests. Actual availability is based on deposits, revenue consistency, time in business, credit profile, industry, existing obligations, and the requested product.

No. We do not guarantee approval, terms, rates, or funding speed. All offers are subject to underwriting, documentation, verification, partner criteria, and final agreement execution.

Most applications begin with business and owner information, full EIN, owner identity details, full SSN authorization, owner mobile phone, and the last 3 business bank statements. Product-specific requests may require tax returns, equipment quotes, invoices, A/R aging, financial statements, or property documents.

Upload one combined PDF with the last 3 business bank statements, or upload each statement separately. Include all pages and make sure the business name and statement dates are visible.

Some working-capital requests can be reviewed within 24-72 hours after a complete file is received. SBA, equipment, receivables, and commercial real estate requests usually require more documentation and longer underwriting timelines.

Credit review depends on the program and authorization provided. Some partners may begin with soft-pull review while others may require additional consumer or business credit reports before final approval or closing.

Repayment varies by product. Lines of credit, term loans, equipment financing, factoring, and revenue-based structures all work differently. Your advisor will help compare payment frequency, total cost, term, collateral, and cash-flow fit.

Yes, but they must be disclosed. Underwriters review existing balances and payment burden to determine responsible capacity and whether a new structure is appropriate.