A: You can apply through our online form here: or call +1 (855) 433-8641 to speak with an account manager.


BizLender is able to secure the following three types of alternative funding for businesses:

  • Merchant Cash Advance
  • Business Cash Advance
  • Small Business Loan

First and foremost, BizLender is not a bank and our funding differs from that of a traditonal bank. An advance is an amount of money funded based on future receivables. BizLender funds short-term, non-secured advances to business owners based on their anticipated credit card statements or merchant deposits. Business Cash Advances (BCAs) and Merchant Cash Advances (MCAs) are used when a business needs liquidity and is unable to get a line of credit or traditional bank loan.

A BCA is a type of funding where a daily payment is withdrawn from the business’ bank account every business day, Monday through Friday, until the debt is satisfied. A BCA is an alternative method for a business to secure funding when traditional methods are either unavailable or take too long.

An MCA is structured by way of scheduling to withdraw a percentage of every credit card batch run by your business until the advance is repaid. This is only offered to merchants that process credit cards in higher amounts, and is also referred to as a credit card split. How often you batch out if how many times the batch is split.

The amount of payback is not calculated using interest rates or APR. The amount of payback is based on a flat factor rate, which more or less varies between 1.20% and 1.50%. In essence, this means that the amount of payback is between $.20 and $.50 on the dollar. Factor rates are determined by the underwriter and are determined upon evaluation of your application.

A small business loan is similar to the BCA in that a daily payment is withdrawn from the business’ bank account every business day, Monday through Friday, for a set period of time. A factor rate is determined and used to calculate the amount of payback. With standard business loans you would have to put up collateral, unlike BizLender’s small business loans that require none.

BizLender’s small business funding differs from a typical bank loan in that we, unlike a traditional bank, do not require you to go through the hassle of putting up collateral of your loan. We ask that you sign a personal guarantee that, in essence, states that you are not committing fraud.


To apply, your business should fulfil the requirements listed below. If you are unsure, do not hesitate to either apply or call (855) 388-1113 to discuss your options with an account manager.

  • Three months in business and operation
  • Approximately $100,000.00 in annual sales
  • Approximately $8,500.00 per month in sales
  • A business bank account

Although the underwriters do look at your credit, it is not the sole factor used to determine an approval or denial. BizLender has obtained approvals for merchants whose credits scores were in the low 400s. We pride ourselves on getting a large number of our clients funded, no matter their credit score.

Regrettably, we are unable to find funding for every single applicant, however, BizLender does stand proud in the fact that we have a low margin of declined applications.


BizLender can approve you for a Business Cash Advance in as little as 24 hours after we receive your application and required documents.

Your company can be funded in as little as one business day after applying.

BizLender prides itself on being the Fastest to Fund. This is why we are always looking for new and innovative methods and technology to expedite requests. To speed up the process, we recommend you gather the required documents for underwriting immediately. They include:

  • A completed, signed and dated BizLender application
  • Minimum three months of business bank statements*
  • Minimum three month credit card statements (if you process credit cards)*
  • A copy of your driver’s license
  • A copy of a voided business check

*Seasonal businesses should submit 12 months of statements

You are always welcome to pay off your advances early, however, there is no benefit in doing so. Whether you pay the advance off the day after you are funded or when the last payment is withdrawn, your payback amount will be exactly the same as stipulated in your contract.