Merchant cash advances, without the fog

An advance is simple machinery: a funder buys a slice of your future receivables at a fixed price and collects it daily out of deposits. The industry wraps that in fog. We broker these every day, so this page and everything linked from it shows the machinery plainly - the math, the contracts, the traps, and what files like yours could qualify for.

$10K to $2M. Sized off real bank deposits, 0.5x to 1.4x a typical month. No hard credit pull to apply. Offers usually inside a business day.

Check what you could qualify for (727) 269-9573

Run the numbers yourself

Before talking to anyone - us included - put any offer through the math. Three free tools, no email gate:

Repayment calculator - daily payment, total cost, APR equivalent from any offer.
Factor rate calculator - what 1.22 to 1.45 actually costs, side by side.
How much can I get? - the honest range your deposits support.

Learn the machinery

The learn section covers what we tell our own clients: how to read a contract before signing, what funders actually look for in bank statements, how renewals price, and the honest math of stacking. The industry guides explain how underwriting reads your specific business. And if a lump sum is not actually what you need, we also place unsecured business lines of credit - draw as needed, pay on what you use.

By state

Several states now require APR-style disclosures on commercial financing offers. The state pages cover what applies to you and what to ask for where nothing does.

Florida Texas California New York Georgia New Jersey Pennsylvania Illinois North Carolina Ohio

Florida:Miami Tampa Orlando Jacksonville Fort Lauderdale St. Petersburg Hialeah Cape Coral Fort Myers Sarasota West Palm Beach Boca Raton Naples Clearwater Lakeland Ocala Pensacola Tallahassee Gainesville Kissimmee

Texas:Houston Dallas San Antonio Austin Fort Worth El Paso Arlington Corpus Christi Laredo Lubbock

California:Los Angeles San Diego San Jose San Francisco Fresno Sacramento Long Beach Oakland Bakersfield Anaheim

Straight answers

What is a merchant cash advance?

A purchase of your future receivables: a funder wires you a lump sum today and collects a fixed total back out of your daily deposits, usually over 3 to 18 months. The total is set by a factor rate on day one and never grows. It is not a loan, which is why approval runs on bank statements instead of credit.

How fast is funding?

With four months of statements in hand, offers typically come back inside a business day. Once you sign, wires commonly land within 24 to 48 hours. The slow step is almost always document collection, which is why we ask for everything up front.

What does it cost?

Factor rates typically run 1.22 to 1.45, so $50,000 back as $61,000 to $72,500. Where you price depends on deposit consistency, time in business, and existing positions. Most deals we place carry prepayment discounts that cut the total if you pay early.

Will applying hurt my credit?

There is no hard credit pull to apply. If a funder requires one at final underwriting, that happens only with your written consent and we tell you before that point.

See your number, not a sales pitch

Two minutes, no hard credit pull, sized off your real deposits.

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