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BUSINESS LOANS · MERCHANT CASH ADVANCE

Capital that moves at the speed of your business.

Business term loans and merchant cash advances with clear terms and fast decisions. Not sure which one you need? Our AI agent will walk you through it.

Agent online 24/7 Answers in plain English Or send us a request →
SAMPLE OFFERBusiness Term Loan
$250,000APPROVED
MERCHANT CASH ADVANCERepays with your sales
Holdback8% of salesFunding24–48 hrs
Transparent terms
Fast decisions
FUNDING BUSINESSES IN
RestaurantsRetail storesTrucking & logisticsConstructionMedical & dentalSalons & spasE-commerceAuto repairLandscapingFitness studiosWholesaleHospitalityRestaurantsRetail storesTrucking & logisticsConstructionMedical & dentalSalons & spasE-commerceAuto repairLandscapingFitness studiosWholesaleHospitality
TWO WAYS TO FUND

One business, two smart ways to get capital.

Pick predictable payments or flexible repayment tied to your sales. Both come with clear total cost upfront — no surprises.

BUSINESS LOAN

Business Term Loan

A lump sum you repay in fixed installments over a set term. Built for planned growth — equipment, expansion, hiring or refinancing.

  • Fixed, predictable weekly or monthly payments
  • Amounts from $10,000 to $500,000
  • Terms from 6 to 60 months
  • No prepayment penalty on select terms
Apply for a loan
MERCHANT CASH ADVANCE

Merchant Cash Advance

An advance on your future card and bank sales. You repay a small share of daily sales, so payments ease off on slow days.

  • Repayment flexes with your daily sales
  • Advances from $5,000 to $250,000
  • Decisions based on sales volume, not just credit
  • One simple factor rate — total cost known upfront
Get an advance
HOW IT WORKS

From question to funded in three steps.

01

Tell us about your business

Share a few details online, or just chat with our AI agent. It takes minutes and helps you see which option fits.

02

Review clear offers

See a term loan and an MCA side by side, with payment schedule and total cost spelled out before you commit.

03

Get funded

Sign electronically and receive funds straight into your business bank account. A specialist is with you the whole way.

SIDE BY SIDE

Business loan or MCA?

COMPARE
Business Term Loan
Merchant Cash Advance
How you get it
Lump sum, deposited to your account
Lump sum, advanced against future sales
How you repay
Fixed weekly or monthly installments
A set percentage of daily card or bank sales
How cost is priced
Interest rate (APR)
A factor rate, e.g. 1.2 — total payback known upfront
Typical timeline
Months to several years
Until the agreed amount is remitted — often a few months
What we look at
Credit profile, time in business, financials
Sales volume and consistency
Best for
Planned investments: equipment, expansion, refinancing
Fast working capital, seasonal or card-heavy businesses
MEET YOUR AI AGENT

Not sure which fits? Just ask.

Our agent knows business loans and merchant cash advances inside out. Ask anything — how factor rates work, what documents you need, or which option suits your cash flow.

Talk to a human
FROM THE BLOG

Straight answers on business funding.

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