Instant Merchant Advance
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Merchant Cash Advance Loan
Fast Funding
Loans Restaurant
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How it works

If you are a business owner who needs cash, a merchant cash advance will provide funding quickly—and the process is simple.

An Instant Merchant Cash Advance is simple.

Have you been in business for at least one year? Have you been accepting credit cards minimum of 4 months?
If yes, you can get approved instantly and have cash within 7 days. There are no hidden costs and no personal collateral is needed. A merchant cash advance is a cash advance against future credit card receivables. There is no set payment. To pay your advance back, a pre-defined amount will be taken from your future credit card sales.

There are three easy steps to this obligation-free, instant application process:

Step 1:
Have the following information available, then complete our Instant Approval Application.

  • Federal Tax ID number (FEIN)
  • Checking account routing and account number>
  • Drivers license number
  • Last 4-months processing statement amounts
  • Last 4-months total sales amounts for your business

Step 2:
Once approved, you will receive an application to sign via email filled-in with the information you entered online. Print the application, sign it, and fax it back along with the following documents:

  • Copies of credit card processing statements from past 4 months
  • Copies of your last checking account statement
  • Copy of your driver’s license
  • Copy of your business license

Step 3:
An Instant Merchant Advance representative will contact you to discuss your various funding options. With the representative, you will determine the amount you want to borrow, your exact payback amount, and your payback terms. Once you’ve worked out all the details, an agreement will be sent to you via email. You are not obligated until you’ve signed the final funding agreement.

Merchant Cash Advance vs. Loan - What is the difference?

Statistics show that between 70% -90% of people who apply for a business loan at their bank don’t get approved. This happens because they haven’t been in business long enough, don’t have enough collateral, or have credit glitches. Fortunately, these business owners can still qualify for a merchant cash advance, which has its own unique set of benefits.

A merchant cash advance is a cash advance against future credit card receivables. Is it more expensive than a traditional bank loan? Yes. Since you are not personally liable and there is no set monthly payment, there is a cost associated with these benefits. Keep in mind that a merchant cash advance has significant benefits over a traditional bank loan that make it the right choice for many business owners.

  Merchant cash advance Bank Loan
Loans up to 750,000
Instant approval  
99.9% approval rate  
Credit dings OK  
Fast funding  
No personal guarantee  
No UCC1 Filings  
Simple application