Not sure where to begin?
Choose the scenario that best describes where you are right now.
Ready to Apply Now
I have 6+ months in business and $8K+ monthly deposits. I want to know my approval odds.
Get My Score →Just Got Declined
My bank or lender said no. I need to understand my options immediately.
Recovery Guide →Planning Ahead
I want to understand funding options before I need them and improve my approval odds.
Improvement Guide →Figuring Out How Much I Need
I'm not sure how much to request or what my payments would look like.
Open Calculator →Calculators & Assessments
Get instant answers based on your specific numbers.
Fundability Score Assessment
Get a 0–100 fundability score based on your revenue, time in business, funding request, and industry. See your approval probability in under 2 minutes.
Get My Score →Funding Readiness Assessment
15-question guided assessment that evaluates your revenue consistency, documentation, and business health. Get a personalized readiness report with action items.
Start Assessment →MCA Calculator
Calculate your total repayment, daily or weekly payment, and effective cost of capital for any merchant cash advance. Compare up to 3 funding scenarios side by side.
Open Calculator →Working Capital Calculator
Calculate your current working capital position, cash flow runway, and funding gap. Know exactly how healthy your business cash position is right now.
Open Calculator →Revenue Gap Calculator
Find out exactly how much funding you need to bridge a revenue shortfall. Calculate your monthly gap, total need, and recommended funding amount with estimated payments.
Open Calculator →Funding Qualification Checklist
Interactive 20-item checklist covering revenue, documentation, business history, and health. See your readiness score and exactly what to prepare before applying.
Open Checklist →In-Depth Business Funding Guides
Substantive, practical guides written for business owners — not bankers.
Underwriting Preparation Guide
Learn exactly what underwriters look for, how to read your own bank statement, and how to position your application for maximum approval odds before you submit.
Read Guide →Bank Turndown Recovery Guide
Just got declined by your bank? This guide explains why banks decline, what your options are in the next 72 hours, and how MCA criteria differ from bank standards.
Read Guide →Funding Denial Recovery Guide
Decode your denial reason, build a 30-day recovery plan, and learn when bridge funding makes sense. Covers bank, SBA, online lender, and MCA denials.
Read Guide →Approval Odds Improvement Guide
The 5 factors that determine your approval odds and exactly how to improve each one. Includes 30/60/90-day improvement timelines and what a strong applicant profile looks like.
Read Guide →How Business Funding Works
Six steps from application to funded. Full funding timeline, required documents, what underwriters look for, success story profiles, and answers to 8 common pre-application questions.
See the Process →Ready to apply?
Decisions in 24–48 hours. No collateral required. 500+ credit score accepted.
Takes 10 minutes. We review bank statements, not just credit scores.
Frequently Asked Questions
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A merchant cash advance (MCA) is a commercial transaction in which a business receives a lump sum of capital in exchange for a portion of its future revenue. Unlike a bank loan, an MCA is not a loan — it is a purchase of future receivables. This distinction means MCAs are not subject to TILA or Regulation Z, can fund significantly faster (24–48 hours vs. weeks), and are evaluated primarily on revenue and cash flow rather than collateral and credit score alone. Minimum requirements are generally 6 months in business, $4,000+ in monthly deposits, and a 500+ credit score.
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No. While credit score is one factor, MCA underwriting is primarily cash-flow based. We look at your business bank statements to verify consistent deposits and revenue patterns. A business with $15,000/month in deposits and a 540 credit score will often qualify, while a business with a 700 score and inconsistent deposits may not. The fundability score tool on this page will show you exactly how your profile scores across all factors.
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The core requirement is 3 months of business bank statements. You will also need a completed application (takes about 10 minutes), a voided business check, and a government-issued ID. Unlike bank loans, you generally do not need tax returns, financial statements, business plans, or collateral documentation to get started. See the Funding Qualification Checklist for a complete pre-application checklist.
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From application to funding: typically 24–48 business hours. The application takes about 10 minutes to complete. Bank statements are reviewed same-day when submitted before 2 PM ET. An offer is typically made within 24 hours and funds wire to your business account within 24–48 hours of acceptance. This is substantially faster than SBA loans (weeks to months) or traditional bank loans.
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A factor rate is a decimal multiplier applied to your advance amount to determine your total repayment. For example, a $50,000 advance at a 1.30 factor rate means you repay $65,000 total — the $15,000 difference is the cost of capital. Factor rates typically range from 1.10 to 1.50 depending on business health, industry, and advance size. Use the MCA Calculator on this page to calculate your exact total repayment and daily/weekly payment for any advance scenario.