Revenue-based working capital

Your quiet month is not a character flaw.

We buy a set share of the sales you are going to make and pay it to you now, from $100 to $5,000. One fixed cost, agreed before you accept, and what you remit moves with what you take.

Two traders talking over the counter of their shop

The shape of a year

Nobody trades the same in February as they do in July.

The months in oxblood are the ones people reach for working capital in — after the quiet start to the year, and in the week before the year ends. Nothing about that is a failure of the business. It is what a trading year looks like.

Illustrative. There is no figure, axis or percentage in this chart and nothing in it can be read as a rate, a price or a promise — the cost of an advance is set on your offer and nowhere else.

What you are selling

A share of next month, sold today.

merchant cash advance is a purchase. We buy a set share of the receipts your business is going to take over the coming weeks and pay you for that share now, as one amount. What arrives in your account is the price of something you sold — not a sum handed over on the understanding that it comes back with something added.

That distinction is not wording. It decides what happens in the quiet month. Because you have sold a share rather than agreed a sum, what leaves the account moves with what comes into it: a slow week remits less, a busy one remits more and finishes sooner. It is also why nothing here is quoted as a rate — a rate describes something running over time, and the total here is agreed once and never moves again.

The cost

One number, and you see it before you agree to it.

Fixed: A figure in dollars, written on the offer, and the same on the last day as on the first.
Agreed first: You see the total and the share before you accept anything. Nothing is added afterwards.
Not a rate: Nothing compounds, so there is no annual percentage rate to work out and none is quoted.

How it goes

Three moves, none of them a meeting.

01
Tell us what the business takes
A few details about what you do and what lands in the account. Two minutes, online, and no documents to dig out first.
02
We read the deposits, not a file
Three months of receipts through a read-only connection. What the business actually takes is the only thing the advance is priced against.
03
The number comes back agreed
The total you will remit and the share taken from each day's takings, both quoted before anything is signed.

Then the money arrives — as soon as the next business day once the agreement is executed and verification is complete.

Before it is worth asking

Four things we need. Three we never ask for.

1A business bank account the deposits actually land in
2At least three months of trading, counted from your first deposit
3An average of $5,000 a month over those three months
4A business registered in the United States, outside California and New York

Never required

A fee paid in advance in exchange for a promise of funding
Personal collateral pledged against the advance
A minimum score before we will look at the account

These are the conditions we check on every request. Meeting them is not an approval, and nothing on this page is an offer of funding.

An owner standing in the doorway of his cafe

Where it goes

Ten reasons, and none of them is an expansion plan.

Payroll on a short weekBy Friday
Stock offered at a discountThis week
A replacement part or toolSame week
The van, back on the roadToday
A supplier depositWithin terms
Rent in a quiet monthBy the 1st
A tax bill on its own calendarBy due date
Staff and stock before a seasonWeeks ahead
A short push in front of a busy monthAhead of it
The gap a late invoice leftNow

Business purposes only. Nothing personal, family or household — if the money is for a home bill, this is the wrong product and we would rather you knew it here.

Questions

Asked before anyone applies.

How is this different from bank financing?

Bank financing advances money against a promise to pay it back with interest. We buy a portion of the receivables your business is already going to collect, at a fixed cost agreed in advance. There is no interest, no APR and no amortisation schedule.

How small can an advance be?

One hundred dollars. The ceiling is five thousand. There is no larger tier hidden behind this one and no minimum we quietly enforce above the published floor.

What do you need from me?

A business bank account, at least three months of trading, and an average of $5,000 a month in revenue over that period. We do not ask for filed accounts or for personal collateral.

Will this affect my score?

Reviewing your options is a soft inquiry and leaves your score untouched. If a request moves forward, we will tell you before anything is run and you can stop at that point.

How is remittance actually collected?

As a small fixed share of the receipts that land in your business account, taken as they arrive. A slower week remits less and takes longer. The total figure never changes.

How fast does the money arrive?

Funds can reach your account as soon as the next business day once the agreement is executed and verification is complete. Timing depends on your bank and on how quickly documents come back.

Which states do you fund in?

Every state except California and New York. Products are offered for commercial purposes only and are not available for personal, family or household use.

What if my business does not qualify?

We will tell you in plain language rather than leaving the request open. You are welcome to send it anyway if you are close to the minimums, and we will be honest about whether there is anything we can do.

Ready when you are

Find out what this week is worth.

$100 to $5,000, one fixed cost, about two minutes to ask. Checking your options is a soft inquiry and leaves your score untouched.

Get funded or call (615)-820-3400