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Merchant Cash Advance

A Merchant Cash Advance (also known as a Business Cash Advance), allows businesses to finance future credit, debit, and other receivables at a discount, in exchange for an upfront, lump sum amount.
Merchant Cash Advance

Features

Good to Know
$5K - $2M

Advances start at $5K and are available up to $2M. Right-sized to fit your situation.

Payment Schedule

Repayment is based on a fixed percentage of receivables. Payments can be set to flex with your card receipts or be fixed for a more predictable payment structure with the ability for a monthly reconciliation. You decide!

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Terms

There is no set maturity date like a loan. An advance is designed to adjust with your receivables month to month. It is based on the fixed percentage of your receivables, until the balance is collected.

2 men applying

The Application Process

Committed to working with you in an ethical, responsive, and transparent way.

Complete the application

Give us a call or get started online, either way, it will only take a few minutes. We’ll capture the business specific information, advise you on any additional documentation and next steps.

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Review your options

Once your application has been processed and reviewed, an Advisor will reach out with options and help you choose the best financing solution.

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Receive funds

Once approved, funds typically release the same day to your business bank account

Eligibility requirements

6 months’ time in business
$100K in annual revenue
No Fico minimum
Business bank account & ID
man talking on phone

FAQs

Merchant Cash Advance

Does credit affect my ability to qualify for a merchant cash advance?

Credit is a factor that is considered with any merchant cash advance. However, alternative lenders, who typically offer business advances, look to other business attributes and performance indicators like your time in business, industry type, monthly receivables, annual revenue, and other non-credit qualifiers. With no hard credit pull and no obligation to apply, we would encourage you to submit an application.

What are the benefits of a merchant cash advance?

A merchant cash advance is a quick qualifying and funding process. It is designed to provide immediate access to working capital for your business. Since they are based on your future receivables, they offer flexibility and are ideal if you have a specific project in mind that can help increase your future business revenue.

What determines how much of an advance I qualify for?

The biggest factor determining your qualified amount is the business’s recent revenues. Since an advance is based on future receipts, an advance is designed to offer a business a portion percentage against those future receivables. Other business attributes like time in business, credit history, your industry type and other factors also have an impact on the qualifying amount.

How long will it take to get a merchant cash advance?

Typically, once the lender is in receipt of a complete underwriting package a decision will be rendered that day. If approved, funds could be released that day to your business bank account, available to you the following day.

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started today

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36 Russ Street, 3rd Floor
Hartford, CT 06106
Contact Us
contact@capitalreaction.com(888) 527-1802
contact@capitalreaction.com(888) 527-1802

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