How it works
Funding in four clear steps
A short application, a secure upload, a plain-English offer and fast, clear decisions from the people who fund you.
1
Apply online
Tell us about your business in about five minutes: who you are, how long you've been operating, your card sales and how you plan to use the funds.
2
Upload securely
Send recent bank and card processing statements through our secure portal. Please don't email them.
3
Review your offer
See the advance, your total payback, your daily share of card sales and the estimated time to finish, all in plain English, with every fee shown before you sign.
4
Get funded
Funds go into your business bank account. Repayment is a set share of card sales, sent automatically through your processor.
What to have ready
Getting started takes about five minutes
Short online application
Business name, address, owner information, years in business and how you plan to use the funds
Business bank statements
Last 4 to 6 months, every page, for every operating account
Card processing statements
Last 3 to 6 months from your merchant processor
Voided check or bank letter
For the account where funds will be deposited
Photo ID
For each owner with 20% or more ownership
Business formation document
Articles of Organization or Incorporation
List of current financing
Any advances, loans, lines of credit or equipment financing, with balances and payments
Only if we ask
Usually for larger requests: business tax returns; year-end and current profit and loss statement and balance sheet; a personal financial statement for each guarantor.
Secure portal only
Upload documents only through our secure portal. Please don't email statements.
Last four digits only
We ask for only the last four digits of your Social Security number.
Never your passwords
We will never ask for your bank password, PIN or full account numbers.
MCA calculator
Curious what your payments would look like?
Before you gather a single document, try the calculator. Set an advance amount, factor rate and holdback, and see exactly what you'd receive, what it costs in total and how the daily payment follows your sales.
TRY IT WITH A $100,000 EXAMPLE
Have everything ready? Let's get started.
All financing is subject to underwriting and approval.