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Merchant Cash Advance

Updated: Feb 13

Learn why this business funding alternative is becoming one of the most popular forms of financing for small business owners and why many choose a merchant cash advance over traditional business funding.


Many business owners think a merchant cash advance is a short-term loan or a high-interest advance. In actuality, it is simply a sale. All Fresh Capital's funding partners are purchasing your future sales at a discount. Both parties agree to the amount of sales being purchased and for what discounted cost. Get started now - apply here


Small Business funding

Merchant Cash Advance

  • Strict Credit Requirements

  • Long Wait Times for Funding

  • Complicated Contracts

  • Extensive Documentation

  • Lower Approval Rates

  • Credit Scores Below 500 Approved

  • Receive your Funds within 72 Hours

  • Simple, flexible programs

  • No tax returns or financials required

  • Fast Application Process


“A merchant cash advance approval is based on business performance rather than personal credit, time in business or financials.”

ACH Program

Our popular ACH funding program, also called “Bank Only” funding allows us to fund merchants even if they don’t have a merchant account.A business cash advance is an alternative to a traditional bank loan. Business loans can be difficult to obtain, strict credit requirements and the lengthy application process prevent most business owners from getting additional working capital. Business owners need working capital in order to grow, we provide you access to funds at a relatively reasonable cost.

Do I Qualify

  • 500 FICO Score

  • 6 Months in Business

  • 10k in Gross Monthly Deposits

  • Less than 3 NSF's Per Month


Getting a bank-only merchant cash advance or an “ACH Only” advance is relatively easy. We will evaluate your gross monthly deposits into your business checking account over the last 3-6 months. The amount available to you is based on the number of deposits and the average monthly revenue of your business.

With our ACH funding program, there are no tax returns, or financials required to receive funding. We just need 3 months of business bank statements, a copy of your driver's license, a copy of a voided check. You can receive your funds in as little 1 day.

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