01/ Funding
Six funding options, one review.
From $5,000 to $1,000,000, on terms from 3 months to 3 years. Each picture below is a 90-day example statement for a made-up business: the road is its balance, the orange board is the day the funding lands, the dark plates on the left edge are the payments.
01/A · Merchant cash advance
Repay as a share of card sales.
A flexible option for short-term capital needs, with revenue-based repayment.
Your sales come in by card every day and you'd rather the payment move with them. In a slow week a share of sales is a smaller remittance; in a busy week, a larger one.
Textbook example: a business sells $25,000 of future card sales for $20,000 now, and the funder collects a share (generally 15 to 35%) of each sale until $25,000 is collected. Source: Wikipedia, “Merchant cash advance”.
01/B · Same day business loans
For the bill that can't wait.
Resolve urgent business cash needs as quickly as the day you apply.
A cost lands before the revenue that covers it: a breakdown, a tax bill, an order that won't wait. Same-day funding needs approval and complete documents, so the earlier in the day they arrive, the better.
01/C · Debt consolidation
Three daily debits become one.
Consolidate one or more existing business funding positions.
You already have one or more advances or loans, each taking its own daily or weekly debit. Consolidating pays them off and leaves one payment to plan around.
01/D · Short term business loans
Pay for the job before it pays you.
Access practical capital for near-term projects, payroll, or purchasing.
A job needs materials, crew or equipment before the progress payments arrive. Repayment terms run from 3 months to 3 years, daily or weekly.
01/E · Working capital
Stock up before the season.
Keep operations moving with fast working capital for everyday business needs.
Sales and bills don't arrive in the same order. Holiday stock is due in August; holiday sales come in November. Working capital carries the business across the gap.
01/F · Payroll funding
Hire before the contract pays.
Secure immediate funding to cover payroll and protect momentum.
Payroll is due on the same day whether a client has paid or not. In the US, every other week is the most common pay schedule (45.7% of employers, BLS 2022), so a gap shows up on a statement twice a month.
