Merchant cash advance
Short-term capital you pay back from your revenue, so payments follow how much you sell.
- Best for
- Businesses with steady card sales
- Paid back
- A share of your sales
- / Merchant cash advance
- / Same day business loans
- / Debt consolidation
Funding for small businesses from $5,000 to $1,000,000. Most decisions are made the same day.
Options from $5K to $1M
Business funding,
Business funding,
made direct.
- 4+Months in business
- $120KYearly revenue
- 500+FICO, options from
- $1MLargest funding amount
What it's for
What the money
What the money
is for
Owners use it to move before a bank would answer.
- Payroll before a new contract starts paying
- Inventory for the busy season
- One payment instead of several
- A campaign you want to launch now
- An opening that won't wait months
Funding options
Six ways
Six ways
to fund a
business
Amounts from $5,000 to $1,000,000, terms from 3 months to 3 years, daily or weekly payments.
Compare all six
Same day business loans
For cash you need now. Eligible businesses can be funded as soon as the day they apply.
- Best for
- Urgent costs that can't wait
- Speed
- Same day, once approved and documents are complete
Debt consolidation
Roll one or more existing funding positions into a single advance with one payment.
- Best for
- Owners juggling several payments
- Result
- One payment to track
Short term business loans
Capital for a near-term project, a payroll gap or a purchase, paid back over months.
- Best for
- Projects, payroll, purchasing
- Terms
- From 3 months
Working capital
Money for everyday operations: rent, suppliers, the gap between paying out and getting paid.
- Best for
- Keeping operations steady
- Amounts
- $5,000 to $1,000,000
Payroll funding
Cover payroll on time, for example when you hire ahead of a contract that hasn't paid yet.
- Best for
- Growing teams, uneven receivables
- Payments
- Daily or weekly options
How it works
From form to funded
Three steps. Same day review is available when the application and documents come in early.
-
Step 01
Apply in minutes
A short online form. Tell us about the business and choose the amount.
-
Step 02
A decision right away
Most decisions are made the same day, based on how the business performs.
-
Step 03
Funds as fast as same day
Once you're approved and your documents are complete, eligible businesses can receive funds the same day.
Merchant cash advance
Paid back from
Paid back from
your sales
You sell part of your future card sales for cash now. On the left, the cash received. On the right, the dashed total it will be paid back from.
Each bar is one day of card sales. Busy Saturdays stand tall, a rainy week sits low.
A fixed share of every sale goes to the funder. A slow day sends less, so the payment follows the business.
It ends when the agreed amount has been collected. Ask for that total before you sign.
Illustration using the textbook example: $20,000 now for $25,000 of future card sales, collected at 15% of each day's sales (shares are generally 15 to 35%). Not an offer. Source: Wikipedia, "Merchant cash advance".
Day06 · Sat
Card sales$1,860
Share sent, 15%
Collected so far$0
Compare
Lower bars to clear
What a bank, a broker platform and Raven Lenders usually ask for.
BankBroker platformsRaven Lenders
Time in business2 years1 year4+ months
Credit700+ FICO640+ FICOOptions from 500+
Yearly revenue$250,000$250,000$120,000
Application to decision2 to 6 months1 to 2 weeksSame day to 5 days
Your details resoldNoOftenNo broker calls
Owners
In their words
“Professional from start to finish. Raven Lenders helped us understand the terms, move quickly, and secure capital for an inventory purchase that could not wait.”
“Fast, clear, and respectful. The process was direct and private. We were not flooded with random calls, and every funding option was explained clearly.”
FAQ
Before you apply
Usually at least 4 months in business and about $120,000 in yearly revenue. Credit options start from a 500 FICO score. Every application is reviewed on its own numbers.
As fast as the same day. Once you're approved and your documents are complete, eligible businesses can receive funds that day. From application to decision takes from the same day to 5 days.
No. You sell part of your future sales for cash now, and the funder collects a share of each day's sales until the agreed amount is paid. It is usually faster to get than a bank loan and usually costs more, so compare the total payback amount before you sign.
Options may be available. The review weighs revenue and cash flow, so a low score alone doesn't end an application.
No. Your information isn't resold, so you won't be flooded with calls from lenders you never contacted.
Daily or weekly, depending on the product. Terms run from 3 months to 3 years.
No. Amounts, rates, terms and approval speed vary by applicant, business performance, documentation and lender review. Nothing on this site guarantees approval or funding.
