What Are The Benefits?
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
Financing Amount $10,000 – $5Mil
Flexible Terms Terms Tailored to You
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!
Buy new equipment or inventory, hire new staff, or prepare for seasonal changes.
Get extra working capital to manage payroll, bridge gaps in cash flow, or pay bills.
Expand or open a second location, take on more clients, or capitalize on bulk order discounts.
What is a Merchant 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.
Merchant cash advances offer access to fast, flexible financing without fixed-monthly payments. Instead, you’ll pay back your loan via a small percentage of future sales. This setup allows you can receive cash right away to put toward any new opportunity or business expense.
Merchant cash advances are ideal when you need funds now and don’t want to go through the hurdles of applying for more traditional forms of financing - such as business loans or SBA programs.
Merchant cash advances are unsecured, so you’re not required to put up collateral. They also have the benefit of allowing you to keep your cash flow steady by making payments based on daily credit card sales, instead of a set schedule. In other words, your payments can adjust according to how well your business is performing.
Merchant cash advances are ideal for businesses with high credit card sales or seasonal revenue fluctuations. Funds from a merchant cash advance can be put towards a large range of expenses - including operating costs, growth opportunities, and more.
How does a merchant cash advance work?
A merchant cash advance provides a lump sum of cash in exchange for a percentage of your future sales. Instead of managing monthly payments, you’ll repay your loan with small, automatic deductions, from each sale you make. Merchant cash advances offer fast financing - and you can use the funds for nearly any type of business expense.
How can I benefit from a merchant cash advance?
Merchant cash advances offer enormous flexibility. You can use a merchant cash advance to fund a wide variety of business expenses - such as managing cash flow disruptions, covering unexpected costs, hiring new employees, purchasing inventory, and more.
Merchant cash advances are also some of the fastest financing solutions available. Other types of business loans can take several weeks or months to process, however merchant cash advances tent to deliver cash almost immediately. They’re especially popular among businesses with seasonal lulls or frequent cash flow disruptions.
Can I get a merchant cash advance with bad credit?
Yes! Even though good credit makes it easier and cheaper to secure financing - it’s still possible to get a merchant cash advance with bad credit. It all comes down to the lender you work with.
Some lenders, like traditional banks or credit unions, place enormous emphasis on your credit score. However, other lenders - specifically online lenders, take a broader look at your credentials. They’re more likely consider your revenue, prospects for growth, time in business, as well as other factors.
Who can apply for a merchant cash advance?
Merchant cash advances tend to be very popular among retailers and brick-and-mortar stores. However, virtually any businesses with accounts receivables, invoices, and credit card sales can apply for and successfully secure a merchant cash advance.
Keep in mind that most lenders will want to see strong revenue levels before approving you for a merchant cash advance.
What’s the difference between a merchant cash advance and a small business loan?
Merchant cash advances are oftentimes thought of as a type of business loan, however, the laws governing the two are significantly different. With merchant cash advances, the financing company is essentially purchasing a percentage of your future sales at a discount.
You will receive an advance on your future revenue, which you’ll then pay back via a portion of your future revenue stream. By contrast, small business loans entail a company lending you funds in exchange for fixed payments.
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
- 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
- Paper Intensive
- One page - One Minute
|Number of Lenders||1||1||75+|
|Service Level||Processor||Programmatic||Personal Advisor|
|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!