Guides
Merchant cash advances, explained
The product most of this audience is actually offered, and the one with the most terms worth understanding before you sign anything.
One application, every lender we work with
Find out what you qualify for.
Eleven questions, about two minutes. The lenders who fund your industry and your state see it; you compare their offers and take one, or none.
Submit an application- Won't affect your credit
- Free, no obligation
- Up to $500K
08 guides
How repayment works
Fixed daily ACH or a share of card sales — and they behave very differently.
If your sales drop
Reconciliation is the clause that decides this, and it is often discretionary.
Taking a second advance
Legal, common, and the fastest route from a hard month to a closed business.
Is it actually a loan?
Structured as a purchase of receivables, which is why usury caps rarely apply.
Confessions of judgment
You waive your right to defend yourself before any dispute exists.
Advance vs loan
The loan is cheaper. The question is whether you can get one.
No card sales?
Yes — most advances now underwrite bank deposits, not card settlement.
If you default
The personal guarantee and the UCC filing are what actually bite.
Other guides
- If you need money this week
- Something broke
- Whether you'll qualify
- What it costs
- The best options, compared
- If you already have an advance
- Applying without getting burned
- Working capital, explained
- Equipment financing, explained
- Lines of credit, explained
- Buying, expanding, opening
- Difficult situations
- Why banks decline, by industry
One application, every lender we work with
Find out what you qualify for before you need it.
Eleven questions, about two minutes. You see offers side by side and take one, or none.
- Won't affect your credit
- Free, no obligation
- Decisions usually inside 24 hours
- Up to $500K