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IN Financing
OWNERS national business capital logo

Merchant Cash Advance

Use Future Sales to Get Cash Today Larger Amounts, Lower Rates, & Better Terms Easy qualifications, immediate funding, fast & simple process.
Let's get started

What Do You Need to Qualify?

Months in Business

6+ Months in Business We fund all businesses, from growing startups, to local giants, and everything in between.

Months in Business

$120,000 in Annual Gross Sales

Whether you do $120,000 or $12,000,000+ in sales, we have your back!

No Minimum Credit Score Required

No Minimum Credit Score

You don’t need squeaky clean credit to qualify—we work with all credit profiles.

What Are The Benefits?

No Personal Guarantee

No Personal Guarantee

Get funding for your business, without tying up personal assets in the process.

Flexible Payment Terms

No set payments—repayment is based entirely on day-to-day sales.

No Real Estate Collateral Necessary

You won’t need to leverage any personal (or business) real estate as collateral.

We’ve Secured Over $1 Billion in Funding Through Our Exclusive Marketplace

Flexible Financing Based Entirely on Your Sales

Get the financing solution you need without being locked into a monthly rate.
Learn how you can qualify without real estate collateral, and repay based on sales!

Unlock the Lowest Rates, Longest Terms and Highest Amounts

Months in Business

Financing Amount $10,000 – $5Mil

Months in Business

Flexible Terms Terms Tailored to You

No Minimum Credit Score Required

Time to Fund 1 – 3 Days

How Can You Use Your Merchant Cash Advance?

There are no restrictions—use your capital to pursue any opportunity or overcome any challenge! 

Business Growth

Buy new equipment or inventory, hire new staff, or prepare for seasonal changes.

Business Expenses

Get extra working capital to manage payroll, bridge gaps in cash flow, or pay bills.

Business Opportunities

Expand or open a second location, take on more clients, or capitalize on bulk order discounts.

What is a Business Cash Advance?

A merchant cash advance, also called a business cash advance, isn’t technically a loan. Instead, it’s a financing option that allows your business to get capital—quickly and easily—by utilizing future credit card sales.

By promising your lender future credit card sales, you can receive cash right away to put toward any new opportunity or expense.

This financing option is often overlooked or dismissed, but it can sometimes be a better choice than a typical small business loan. First, you can keep your cash flow steady by making payments based on daily credit card sales, instead of a set schedule. Second, you can get funding without putting up personal assets or real estate as collateral. 

Why National Business Capital?

  • Flexible Payments
  • Flexible Terms
  • No Collateral Needed
  • 90% Approval Rate

10 Reasons Why National Business Capital
Offers the Best Small Business Financing

  Bank Direct Lenders table-logo
Paperwork – 2-3 Years Tax Return
– 2-3 years Financials
– 3-6 Months Bank Statements
– 1 Year Tax Return
– 1 year Financials
– 3 Months Bank Statements
– No Tax Returns Required
Application – Lengthy
– Paper Intensive
Multi-page Paper
– One page – One Minute
– DocuSign®
Number of Lenders 1 1 75+
Service Level Processor Programmatic Personal Advisor
Approval Process Weeks/Months Days/Weeks Hours/Days
Speed to Funding Months Days/Weeks Hours/Days
Collateral Requirements Always Sometimes Required Not Necessary
Business Profitability Always Sometimes Required Not Necessary
Credit Score 680+FICO 600+FICO No Minimum FICO
Credit Check Hard Pull Hard Pull Soft Pull

Why Choose National Business Capital for a Business Cash Advance?

Better Terms. Faster Funding. Larger Approvals.

National Business Capital is the #1 FinTech marketplace offering small business loans and services. Harnessing the power of smart technology and even smarter people, we’ve streamlined the approval process to secure over $1 billion in financing for small business owners to date. Our expert Business Financing Advisors work within our 75+ Lender Marketplace in real time to give you easy access to the best low-interest SBA loans, short and long-term loans and business lines of credit, as well as a full suite of revenue-driving business services. We strengthen local communities one small business loan at a time. For every deal we fund, we donate 10 meals to Feeding America!