Business financing from $5,000 to $600,000
Flexible funding amounts tailored to your business size and goals.
Empower Your Business
Merchant Cash Advance
Merchant Cash Advance
for Small Business
Secure the business capital you need to thrive with a merchant cash advance. Whether it's for daily operations, inventory purchases, or growth opportunities, get fast funding tailored to your business needs.
Business
Financing
MERCHANT CASH ADVANCE
Optimize Cash Flow
for Growth
Terms from 3–24 months
Short- to medium-term options for manageable repayment timelines.
Factor rates as low as 1.11*
Competitive factor rates to help you get the most out of your funding.
Automatic daily or weekly remittances
Payments that adjust with your business's cash flow.
Requirements to Qualify
U.S.-based business
Must be actively operating within the United States.
6+ months in business
Established business history improves your approval chances.
$15,000+ in monthly revenue
Regular income deposited in a business bank account is required.
Credit score of 500+
A fair or better credit score helps with approval and terms.
Merchant cash advance
Smart Funding
For Business Growth
Fund Amount Up to $600,000
Time to Approval As fast as 4 hours
Factor Rate As low as 1.11*
SIMPLE PROCESS
Four Simple Steps to Funding
Explore your options without damaging your credit score
STEP - 1
Apply Online
Quick & Easy
Click “Get Started” to apply for a working capital fund and begin your journey to fast funding.
STEP - 2
Gather Documents
For Approval
Be ready with your bank statements and government-issued ID to complete the approval process smoothly.
STEP - 3
Fast Approval
In As Little As 4 Hours
We’ll review your fund application quickly. You could receive approval in just a few hours.
STEP - 4
Same-Day Funding
Get Paid Fast
Once approved, your funds can be deposited into your bank account the very same business day.
Is a Merchant Cash Advance Right for Your Business?
👍 Pros
- ✔ Flexibility in how you can use the funds—ideal for short-term needs.
- ✔ Flexible remittances—pay based on your business’s revenue.
- ✔ Receive funds as quickly as the same business day.
- ✔ Easier approval process—even with less-than-perfect credit.
👎 Cons
- ✖ Shorter duration—less suited for long-term investments.
- ✖ Higher rates compared to traditional funds.
- ✖ Remittance amounts may change after each month ends.
- ✖ Can be more expensive than other financing alternatives.
FAQ
Frequently Asked Questions
Answers to common questions about Merchant Cash Advances and BIZNEX FUNDING.
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Is a merchant cash advance a funds?Technically, a merchant cash advance is not a funds. With an MCA, a business owner sells a portion of their future credit and debit card sales for money they can use right away. BIZNEX FUNDING then collects a percentage of daily sales until the full amount, plus the factor rate, is repaid. This percentage is known as the “holdback.”
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Are merchant cash advances legal?Yes, merchant cash advances are legal. They are not traditional funds but purchases of future receivables at a discounted price. Since they're not issued by a traditional bank, state lending or usury laws typically do not apply.
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Do merchant cash advances hurt your credit score?An MCA won't directly hurt your credit score, but if it increases your debt or credit utilization, it could affect it indirectly. However, simply inquiring about a business cash advance has no impact on your credit score.
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How much does a small business cash advance cost?Cash advances are priced using a factor rate, not interest. Factor rates depend on the risk of funding your business. No collateral is required, which is ideal for small businesses without large assets.
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Is there a financial benefit to paying off your cash advance early?Yes! BIZNEX FUNDING offers early remittance discounts. Business owners who pay off their MCA early may be eligible for a discount depending on their agreement.
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What can you use a merchant cash advance for?MCAs are ideal for short-term cash flow needs. Funds can be used for inventory, payroll, emergency repairs, marketing, equipment purchases, and more.
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Does your credit score matter for a merchant cash advance?Your credit score still matters, though MCAs are more flexible than traditional funds. BIZNEX FUNDING generally requires a credit score of 500+.
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How do you apply for a merchant cash advance?Applying is simple. You'll need recent bank/credit card statements, your business lease, tax ID, SSN, references, ID, and tax returns. Approvals are fast and funds are received within days. Fill out our online pre-qualification to get started—no impact on your credit score!
Fluctuating revenue? We’ve got you covered.
With merchant cash advances, remittances are adjusted to better fit your revenue during a particular month.
