Fuel your business growth with flexible working capital. From Equipment, Hiring, Inventory, Marketing & Payroll — get the funding you need with a streamlined application and rapid approval process.
We've removed every unnecessary step between you and working capital. Here's exactly what happens when you apply.
STEP 1
APPLY
Submit our easy to complete funding application and upload the most recent 4 months bank statements.
Business info + owner details
Bank connection via Plaid
Soft credit pull only
STEP 2
APPROVE
Our underwriters review your application and give you the best offers tailored to your business.
Deal broadcast to lender network
Competing bids within hours
Human review on every deal
STEP 3
FUND
Review your offers, choose your terms, sign a contract, and receive funds directly to your business bank account.
Choose the best offer
E-sign via DocuSign
Same or next-day funding
Why Us
Why businesses choose CASH ADVANCE
We're not a bank. We're not a single lender. We're a private lending marketplace built for speed, transparency, and real human support — from application to funding.
Private Lending Marketplace
Your deal is broadcast to a curated network of private lenders who compete for your business — driving better rates and terms than any single lender can offer.
Decisions in Hours
No weeks-long committee reviews. Our underwriters move fast — you get a decision in under 24 hours and funds in your account within 48 hours of approval.
Real Human Underwriters
Every deal gets a human review — not just an algorithm. Our underwriters look at the full picture of your business, not just a credit score.
Bank-Grade Security
256-bit encryption on all data. Secure document upload. Your information is never sold or shared without your explicit consent.
No Upfront Fees
Zero cost to apply. No origination fees, no hidden charges. We only succeed when you get funded — our interests are fully aligned with yours.
72% Approval Rate
We look beyond credit scores. Businesses turned away by traditional banks regularly get funded on our marketplace — we evaluate real cash flow and revenue.
INDUSTRIES WE SERVE
Working capital for businesses that move fast
We specialize in industry-specific working capital solutions, connecting businesses like yours with the right funding partners through a simple, transparent, and guided process — from application to funding.
A merchant cash advance (MCA) is a form of business financing where you receive a lump sum of capital upfront in exchange for a percentage of your future daily receivables. Unlike a traditional loan, repayment automatically adjusts with your revenue.
How quickly can I get funded?
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Most applicants receive a decision within 2–4 hours of submitting a complete application. Once you've accepted an offer and e-signed your agreement, funds are typically deposited same day or by the next business day.
What documents do I need to apply?
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You'll need your business information (EIN, entity type, address), owner details (including SSN for a soft credit pull), and your last 4 months of business bank statements in PDF format.
Does applying affect my credit score?
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No. Our initial review uses a soft credit inquiry only, which does not affect your credit score. A hard pull is only initiated if you formally accept a funding offer and both parties proceed to closing.
What industries do you work with?
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We fund businesses across most industries including restaurants, construction, medical practices, auto repair shops, hotels, pharmacies, retail stores, trucking companies, e-commerce, salons, and dental practices. If you're unsure, apply and we'll let you know.
How does repayment work?
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Repayment is collected as a fixed daily or weekly ACH debit from your business bank account, calculated as a percentage of your average daily balance.
Can I apply if I've been declined by a bank?
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Yes. Our underwriting focuses primarily on your business's revenue and cash flow history — not just credit score. Many businesses that don't qualify for traditional bank loans succeed on our marketplace. We look at the full picture of your business performance.
Talk to a Human
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Can't find your answer? Our team is available on WhatsApp to walk you through any part of the process.