How Merchant Cash Advance Funding Works
The complete process, document requirements, and realistic timelines — no marketing fluff.
Process
How It Works – Simple & Transparent
No surprises. Just straightforward revenue-based funding.
Application
Takes 2–5 minutes online. Share basic business info and recent revenue details.
Review & Matching
We quickly review your profile and match you with the most suitable funding partner(s). Initial offers are usually shared the same day or within 24 hours on business days.
Decision & Acceptance
Review your personalized terms and accept the offer that best fits your business.
Funding
Once approved and documents are completed, funds are typically deposited into your business account in 24–48 hours.
Timelines are estimates only and not guaranteed. Actual decision and funding times depend on your business profile, completeness of information, and the underwriting process of our funding partners.
What Happens After You Apply
Review (2–4 business hours)
Within 4 business hours of your submission, a funding advisor reviews your application. We don't use automated scoring alone — a person looks at your revenue pattern, industry, time in business, and any existing obligations. This is how we identify if another advance would be sustainable for your business.
Matching (same day)
We identify 3–5 funding partners whose programs match your profile. We do not submit to partners who are likely to decline you or who charge rates inconsistent with your revenue. We've pre-negotiated with our partners so you get the best available terms, not just whoever will take the deal.
Offers (same day or next morning)
You receive a term sheet from each interested funder showing: advance amount, factor rate, total repayment, daily/weekly payment amount, and estimated APR. These are real numbers, not ranges. You can compare them side-by-side to see which offer fits your business best. We help you understand the terms and ask questions.
Acceptance (1–2 hours)
You choose an offer. We prepare the formal agreement with the funder. You review the agreement and sign. This is where the factor rate, payment amount, and all terms become legally binding. Once signed, we move to funding.
Funding (24–48 hours after signing)
Documents are verified. You authorize ACH deductions from your business account. Funds are wired to your business account. Typical time from signed agreement to wire: same business day or next morning, depending on wire cutoff times. The funder then begins taking their daily or weekly payment percentage until the total repayment amount is collected.
Documents You Will Need
Security: All documents are handled securely and encrypted. We do not store your bank credentials or login access. We request only what we need to evaluate your application.
Realistic Timelines
These are estimates only. Timelines depend on application completeness, funder volume, and factors beyond our control. Weekend and holiday delays may apply. We will keep you updated every step of the way.