A month of payroll, rent and suppliers does not wait for customers to pay. Here is how a merchant cash advance fits that month. Apply in five minutes.
Apply Now →The easiest way to see where a merchant cash advance fits is to follow a month. The numbers below are invented and for illustration only. They describe a hypothetical service business with a payroll of two weekly runs.
| Week | Cash goes out | Cash comes in |
|---|---|---|
| 1 | Rent, insurance, first payroll | Customer payments from invoices sent a month ago |
| 2 | Supplier bills, vehicle costs | A few small payments |
| 3 | Second payroll, quarterly obligations | One large customer pays late |
| 4 | New materials for the next job | Payments from the first two weeks of work |
The trouble is week three. The business is healthy and still short. A revenue-based advance fills that hole without requiring a lender to look at a piece of collateral. We fund $25,000 to $5,000,000, and funding can arrive in as little as 24 hours.
The Austin-Round Rock-San Marcos metropolitan statistical area is a five-county area in Central Texas, on the western edge of the American South and the eastern edge of the American Southwest. It borders Greater San Antonio to the south and forms part of the larger San Antonio-Austin Metroplex. The 2020 census counted 2,352,426 people there, making it the 25th-largest metropolitan area in the United States.
Our grouping reaches wider than that metro. It includes Bastrop, Bell, Burleson, Burnet, Caldwell, Coryell, Falls, Freestone, Hays, Lampasas, Lee, Limestone, Llano, McLennan, Milam, Mills, Robertson, Travis and Williamson counties. The grouping is editorial, built from public regional definitions, and is not an official state region.
An advance is not free money, and it is not for every business problem. If a business is unprofitable at the current level of costs, extra cash may only postpone the problem. If the gap is a timing issue, such as slow-paying customers or a seasonal dip, it can be the right tool. Be honest with yourself about which one you are looking at.
A merchant cash advance is working capital tied to revenue. It is not a bank loan, and it is not a line of credit. The specifics of an offer, including repayment, are in the offer itself. We do not publish rates or terms on this page, so read the offer carefully before you accept.
Catering, event services, trades and professional services often bill in lumps and pay costs in a steady stream.
A lease on a second location, a bulk inventory discount or a fast-moving hiring window can disappear while a slower financing process runs.
Sole proprietors can apply. A one-person landscaping, design or repair business should not have to incorporate first.
The application takes about five minutes and starts with a soft credit pull. Start on the apply page.
No. Businesses anywhere in Texas can apply, including those in counties like Bell, McLennan, Hays and Williamson.
That is a common reason owners look at revenue-based funding. Size the request to the gap you can see.
Funding ranges from $25,000 to $5,000,000.
Yes.
The application uses a soft credit pull.
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
