Revenue Advance Up to $400K
Get a lump sum of capital with repayment that flexes with your revenue. Same-day funding available, minimal paperwork, and approval based on business performance rather than credit score.
Key Advantages
Capital that moves at the speed of your business
Revenue advances are designed for business owners who need fast, flexible funding without the red tape of traditional bank loans.
Same-Day Funding Available
When time is critical, revenue advances deliver. Many applicants receive funds the same business day they are approved, giving you capital exactly when you need it.
Payments Flex with Revenue
Repayment is tied to your daily or weekly sales volume. When business is booming, you pay more. During slow periods, payments automatically decrease.
Credit Score from 500+
Revenue advances focus on your business performance, not just your personal credit. If your business generates consistent revenue, you likely qualify even with lower credit scores.
Minimal Documentation
Skip the mountains of paperwork. Most revenue advances require only 3 to 4 months of bank statements and a valid ID. No tax returns, no business plans, no projections.
Revenue-Based Qualification
Approval is primarily based on your monthly revenue rather than collateral or credit history. If your business does $10K or more in monthly sales, there are options available.
Use Funds for Anything
There are no restrictions on how you use your advance. Invest in inventory, cover payroll, launch marketing campaigns, handle emergency repairs, or seize a growth opportunity.
Qualifications
Who qualifies for a revenue advance?
Revenue advances have some of the most flexible requirements of any business funding product. If your business generates consistent revenue, you are likely eligible.
Time in Business
3+ months
Monthly Revenue
$10,000+
Credit Score
500+
Industries
Most accepted
How It Works
Three steps to same-day capital
Revenue advances are the fastest funding product we offer. Here is how the process works from start to finish.
Apply in 2 Minutes
Share basic information about your business and monthly revenue. No hard credit pull, no complex financial documents, and no obligation.
Receive Your Offers
Our lender network evaluates your revenue profile and presents competing advance offers. Compare factor rates, advance amounts, and repayment terms side by side.
Get Funded — Often Same Day
Accept your preferred offer, submit your bank statements, and receive funds directly in your business account. Many advances fund within hours of approval.
FAQ
Revenue advance questions
How does a revenue advance differ from a traditional business loan?
A revenue advance (also known as a merchant cash advance) is not technically a loan. Instead, you receive a lump sum of capital in exchange for a percentage of your future revenue. Repayment is made through small, automatic daily or weekly debits from your business bank account that flex based on your actual sales volume. This differs from a traditional loan which has fixed monthly payments regardless of how your business is performing. Revenue advances are faster to obtain, require less documentation, and have more flexible credit requirements than traditional loans.
What are factor rates and how do they work?
Factor rates are a way of expressing the total cost of a revenue advance and typically range from 1.15 to 1.45. To calculate your total repayment, multiply the advance amount by the factor rate. For example, a $100,000 advance with a 1.25 factor rate means you repay $125,000 total. Factor rates are not the same as APR and should not be compared directly to interest rates on traditional loans. Your funding specialist will help you understand the true cost of each offer in terms you can compare.
How much of my daily revenue goes toward repayment?
Typically, lenders take between 10% and 25% of your daily credit card or bank deposit revenue as repayment, though the exact percentage depends on the advance amount, factor rate, and your business revenue volume. This percentage is called the holdback rate. The key advantage is that on days when sales are low, your payment automatically decreases, and on high-revenue days, you pay down the advance faster. This structure helps protect your cash flow during slow periods.
Can I get a revenue advance if I was declined for a bank loan?
Yes, many business owners who have been turned down by banks qualify for revenue advances. Because approval is based primarily on your business revenue rather than personal credit or collateral, revenue advances are accessible to businesses with lower credit scores, limited time in business, or previous financial challenges. If your business generates at least $10,000 in monthly revenue and has been operating for 3 or more months, there is a strong chance you will qualify through our lender network.
Need capital today?
Apply in 2 minutes and receive same-day revenue advance offers from our lender network. Flexible repayment that adjusts with your sales.