Lawn care income arrives in waves while crews are paid every week. A merchant cash advance is one way to cover the gap, and it is worth knowing exactly what it is before you take it.
Apply Now →A merchant cash advance gives a business money up front in exchange for a portion of future receipts. It is not a conventional term loan, and the repayment mechanics, including how and how often money is taken back, differ between funders. Any offer you receive will spell out the structure, and you should read that document, not this page, before you sign.
What we can say is how the funding side works here: $25,000 to $5,000,000, funded in as little as 24 hours in some cases, a five-minute application and a soft credit pull. Sole proprietors can apply.
An advance fits best against a gap that will close: a slow season ending, a large commercial invoice about to be paid, a one-time repair. If the underlying issue is that jobs do not cover costs, extra cash only delays it.
Because repayment is tied to receipts, the way your money comes in matters to the funder and to you. Irregular, lumpy months feel different from steady daily sales, so think about how a repayment taken from a slow week would affect payroll.
Compare against a business line of credit, equipment financing for a machine purchase, or simply a faster collection effort on open invoices. An advance is not the right tool for every problem and a good decision compares them honestly.
For illustration only, with made-up numbers: a company with a weekly payroll of $9,000 hits a rainy three weeks in a row and bills $12,000 less than planned. Open commercial invoices of $40,000 are due in about a month. The gap to bridge is closer to $27,000 than $40,000. That kind of arithmetic, not the maximum amount available, should set how much you ask for. These figures are not our terms or a typical result.
It depends on the funder and the offer, and we do not publish a figure here. The offer you receive will set out the full cost and how repayment works.
Some owners do use funding to bridge slow months. Whether it makes sense depends on whether you can carry repayments through the slow stretch, so test that before accepting.
No. Sole proprietors can apply.
The credit check is a soft pull, which does not affect your score.
Our range starts at $25,000. For a smaller gap, a payment plan with a supplier or faster collection may be the better first step.
Three months of business bank statements and a 5-minute application. FICO 500+ considered. $25,000 to $5,000,000, funded in as little as 24 hours.
Apply Now →It takes about two minutes and it will not affect your credit score.
No obligation • No impact to your credit score
