Concrete Bridge

Business Bridge Loan

Merchant Cash Advance

Get quick access to capital using the collateral of the future.

What if capital could time travel?

Okay, so it can’t, but a merchant cash advance is as close as you can get. A merchant cash advance allows you to borrow against future earnings to access that capital today. Merchant cash advances are funded much more quickly than other forms of financing, making it a lifesaver for businesses in need of fast access to financing.

How a Merchant Cash Advance Works

A merchant cash advance, or business cash advance, allows a business to borrow against its future earnings. Unlike other business loans, collateral is not typically required to start a merchant cash advance, which means you can receive funds in as little as 24 hours.

Can a startup get a business cash advance?

A business cash advance is an option for startup businesses that may not yet qualify for other types of business financing. Because a business cash advance is repaid based on your business’s daily sales, time in business and other factors that usually make financing difficult for startups don’t apply. If your startup has strong daily sales, a business cash advance could be an excellent solution for your fast-capital needs.

If you have time to plan for your financing needs, startup loans and business credit cards can offer accessible financing for startups and may be able to round out your financing plans.

How is a business cash advance repaid?

Your cash advance is repaid based on your business’s daily sales. Depending on the way your cash advance is financed, your lender will either take a daily percentage of credit card sales or a percentage of the total daily business sales. Terms vary by lender, and we have 500+ lenders in our network. We can walk you through all the terms and explain the nitty-gritty of your cash advance to ensure you’re getting the best possible financing deal.

Qualifying for a Business Cash Advance

Qualifying for a cash advance, like the funding itself, is often fast and easy. Due to the nature and terms of the loan, the requirements for a business cash advance are typically pretty lenient.

What you’ll need to do to qualify for a merchant cash advance:

  • Provide 4–6 months of past bank statements or receivables

  • Apply with us


What you can typically skip when applying for a merchant cash advance:

  • A mountain of paperwork

  • A credit pull

  • Your business’s precious collateral

How to Get the Best Rate

Securing an affordable factor rate will reduce the cost of capital on your merchant cash advance. The first step toward securing the optimum cost of capital on your merchant cash advance is to determine how much capital you need.

Borrowing too much can increase the cost of repayment and borrowing too little can leave you in the financial pickle you’re trying to get out of. To avoid both of those scenarios, We will walk you through your options and compare your offers to help you choose a business cash advance deal that fits your needs and budget.