If you meet the minimum qualifications below, you have an 80% chance of approval from at least one of our 20+ funding providers.

Minimum Requirements:

• Business revenue of $15,000+ per month for the last three months (verified through bank statements).
• A business checking account (personal accounts do not qualify).
• Owner FICO score of 550+ (lower than most traditional lenders require).
• Minimal days with a zero balance and limited NSF (non-sufficient funds) occurrences in the last month.

Our process is designed to approve businesses faster and more often than banks, with no collateral required and a simple online application.

The amount you qualify for is typically between 50% to 200% of your monthly business revenue. For example, if your business does $50,000 in monthly sales, you may qualify for $25,000 to $100,000.

These are short-term advances and loans, so lenders evaluate your current monthly sales and average daily bank balance to determine a daily or weekly payment your business can afford. From there, they work backwards to calculate your approval amount.

Keep in mind, if you already have existing loans or advances, that could lower your approval amount, since a portion of your sales is already committed to other payments.

Repayment terms typically range from 4 to 18 months, with the average term around 9 months.

Lenders look at your current sales and bank activity to determine what’s affordable. Shorter terms and payment amounts are based on what they believe your business can handle—even if your sales stay the same. However, the goal is that the influx of capital helps increase your sales and performance, making repayment even easier over time.

Also, all clients may be eligible for additional funding once a consistent payment history is established—often before the current advance is fully repaid.

The cost of capital typically ranges from 1.18x to 1.5x the amount advanced.

For example, if your business receives $30,000, your total repayment may range from $35,400 to $45,000 over 6 to 18 months.

The time it takes to receive funding can vary depending on the lender and the specifics of each application, but generally, funds from a business cash advance can be available quite quickly. Many providers aim to deliver funds within 24 to 48 hours after an application has been approved.

A traditional bank loan at 12% over 5 years would cost about 1.34x the borrowed amount, meaning a $30,000 loan would result in a $40,200 repayment—but takes weeks or months to secure and requires collateral, a high credit score, and a long approval process.

Whereas with us it would typically range from $35,400 to $45,000.

No, there are no restrictions on how you use the funds.

While most businesses use funding to increase revenue and profits—such as purchasing inventory at a discount, expanding operations, or covering unexpected expenses—you decide how to use the capital based on your business needs.

These advances are designed to provide flexibility, whether you're looking to scale, stabilize cash flow, or seize a time-sensitive opportunity.

Typically, receiving a funding advance does not directly impact your credit score because providers usually do not require a hard credit check that would appear on your credit report.