Merchant Cash Advance Solutions - Bizlender | Bizlender - Your Path to Business Financing Solutions

Merchant Cash Advance

Transform your aspirations into reality with a cash advance that fuels your growth story

In the world of business, unexpected opportunities or challenges can arise at any time. Picture a scenario where a retail store experiences a sudden surge in demand due to a viral social media post. To meet the increased demand, they need to replenish their inventory quickly. A merchant cash advance becomes a lifeline in such situations. It offers a lump sum upfront, based on projected future credit card sales. This enables the store to stock up on inventory, serve customers effectively, and seize the momentum of the viral trend. The repayment is tied to a percentage of daily credit card sales, providing flexibility aligned with their business flow

Do I Qualify for Funding?

Assess your funding eligibility, apply with ease, and get instant pre-approval

480+ personal FICO score

$5,000+ in monthly revenue

Active business checking account

3+ months in business

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How it works

Just 4 easy steps to get funded!

Apply in less than 4 minutes, and get immediate pre-approval

We know funding applications can be frustrating. We'll make it fast and simple, while still grasping your business's challenges and opportunities.

Get custom offers for your business needs

Our funding experts will leave no stone unturned until they find a financing solution that matches your needs

Get funded on the same business day!

Stop wasting time on the search for financing and finally be able to focus on running your business

Get our customer support whenever you need it

Pre-funding or after, via phone or online, our customer success team will be there to provide needed support

Your trusted business partner in the USA

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Frequently Asked Questions

What is a Merchant Cash Advance?

A merchant cash advance is a financing solution designed specifically for businesses with a high volume of credit card sales. This innovative product allows you to access a lump sum of cash quickly. Instead of fixed monthly payments, repayment is made through a percentage of your future receivables. It's an ideal option if you need immediate funds without the hassle of a traditional loan and prefer a repayment structure that aligns with your sales.

What are the pros and cons of a merchant cash advance?

Pros:

Merchant cash advances offer fast access to funds, often with a streamlined application process. They don't require collateral, making them accessible to businesses without significant assets. Repayments are tied to daily credit card sales, providing flexibility based on business performance. This can be beneficial during slower periods.

Cons:

The cost of a merchant cash advance is often higher compared to traditional loans, given the associated fees and rates. The repayment structure linked to sales can affect your cash flow, especially during peak seasons when a larger portion of revenue goes toward repayment.

What are the common terms of a merchant cash advance?

Certain terms and conditions for financing products are subject to the underwriting process and the specific policies of the financing provider. These terms can vary widely based on factors such as the financial profile of your business, industry, creditworthiness, and other relevant considerations.

We recommend applying for financing through our platform, as our streamlined process collects all the necessary data required to determine the actual terms that best align with your business needs Common terms and conditions of a Merchant Cash Advance -

• Factor Rate: can range from 1.1 to 1.5.

• Term: Usually 3 to 18 months.

• Payments: Daily or weekly, based on a percentage of daily credit card sales.

• Advance Amount: Typically ranges from $3,000 to $350,000

• Time to Funding: As soon as the same business day