One application. Multiple funding options — matched to your business instead of forced on it.
We match your file to the financing that actually fits — and we keep the difference between an advance and a loan crystal clear.
An advance based on your future receivables. You receive a lump sum and repay it as a fixed amount or a percentage of sales, priced with a factor rate — not an interest rate, because it isn't a loan.
Best for: businesses with strong sales that need capital fast.
A lump sum repaid over a set term with interest and fixed payments — straightforward financing for a defined investment.
Best for: planned, predictable payments.
Draw what you need, when you need it, and pay interest only on what you use. Reusable working capital on standby.
Best for: flexible, ongoing access to capital.
Financing secured by the equipment itself, so you can get what your business needs while preserving working capital.
Best for: buying or upgrading equipment.
Turn outstanding invoices into immediate cash by selling them at a discount — stop waiting on customers to pay.
Best for: cash tied up in unpaid invoices.
Tell us about your business and share your last 3–4 months of bank statements. It takes just a few minutes and there's no obligation.
We match your file to the funders most likely to approve you, drawing on a network of trusted third-party funders and lenders.
Review amount, cost, and remittance with no obligation. We explain the full cost in plain English before you decide.
Choose the offer that fits and receive funds, often within a few business days of approval, so you can put the capital to work.
An MCA uses a factor rate, not an interest rate. Here's a simple example:
A 1.3 factor on $50,000 means $65,000 in total repayment — there's no APR because it isn't a loan. Loan products like term loans and lines of credit use interest. Whatever the product, we'll explain the full cost before you decide.
No. A merchant cash advance is the purchase of a portion of your future receivables, not a loan. It's priced with a factor rate and repaid through remittances — there is no interest rate or APR attached to it.
A factor rate is a simple multiplier that sets the total payback on an advance — multiply the advance by the factor to get total payback. Interest, used on loan products like term loans and lines of credit, accrues over time on the balance you owe.
That depends on your sales, time in business, and what you need the capital for. You don't have to decide up front — submit one application and we'll match your file to the funding options that fit, then walk you through the trade-offs.
Tell us about your business and we'll match you to the funding that fits. No obligation to accept.