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Can A Merchant Cash Advance Help Your Business?

$5k – $500K
24 Hour ApprovalFast, Free, No Obligation Quote

A merchant cash advance is not technically a loan. Simply put, a merchant cash advance is a type of financing wherein a lender advances a business owner cash upfront in exchange for a percentage of your daily credit card and debit card sales, plus a small fee.

A merchant cash advance is not a loan because it only requires a business to repay the advance in the form of a fee also called a “factor rate.” Unlike a loan from a bank, a merchant cash advance is far easier for a business to qualify for, and because it uses the accounts receivables or credit card receipts to repay the advance it is far easier to repay. As with all financing options a business owner must first consider the overall cost of financing and the best use of the capital. Small business owners seeking a local financing partner, startup capital, working capital, or a fast lending process should strongly consider a merchant cash advance.

SpotOn Financial and our partners provide immediate access to a merchant cash advance for a business and can fund in as little as a few hours. The merchant cash advance has no restrictions to its use so a business can use an advance to pay for new equipment, buy additional advertising, or cover the cost of payroll even pay taxes.

SpotOn Financial is a leader and partner in financing for small business owners who need quick access to cash and may have past credit issues. Even bankruptcy is not a barrier to access to capital with a merchant cash advance. Our merchant cash advance program was created so the lender gets repaid only when the business gets paid. Fast, Easy, and Affordable financing for your business. If you have a question, need to get funding, give us a call today or apply online. We can typically fund a business within 2 hours of an approved application (excluding all Federal holidays and Weekends).

Minimum FICO

Early Payoff Discounts

No Set Terms

Approval Not Solely Credit Based

96% Approval Rate

line of credit available for you today

businesses that have turned profits into $1 million+

minutes to qualify

Ready to Grow Your Business?