$5,000 – $500,000 | Same-day decisions | 24-hour funding
No credit score requirement. No collateral. No weeks of waiting.
No hard credit pull to check your options. Funded as soon as today.
A business cash advance is a lump sum of capital provided to a business upfront in exchange for a portion of future revenue. It is not a traditional loan — there is no fixed monthly payment or interest rate in the conventional sense. Instead, the advance is repaid either as a daily percentage of credit card and debit card sales (Merchant Cash Advance) or as fixed daily or weekly ACH withdrawals from your business account (Revenue Based Financing).
At Merchant Fund Express, business cash advances range from $5,000 to $500,000. The approval process is revenue-based: your monthly deposits are the primary qualification factor, not your credit score. This makes business cash advances one of the most accessible forms of business capital available — particularly for businesses with credit challenges, limited operating history, or those operating in industries that traditional banks underserve.
The defining feature of a business cash advance is speed. Applications are reviewed same day. Approvals are issued within 2–4 hours of submission. Funds are wired to your business account within 24 hours — in many cases the same day you apply. For businesses that need capital now, there is no faster mainstream funding product.
The business cash advance process at MFE involves four simple steps:
Complete the online application at merchantfundexpress.com. Provide your business name, EIN, estimated monthly revenue, and how you plan to use the capital. Upload 3 months of bank statements to complete your file.
A funding specialist analyzes your bank statements to understand your average monthly deposits, cash flow consistency, and business health. Your credit score is reviewed but is not the primary decision factor.
You receive a specific cash advance offer: the advance amount, factor rate, total repayment amount, and repayment structure. Your funding specialist walks you through the terms and answers all questions.
E-sign your agreement and funds are wired to your business bank account — typically the same day or the following morning. Most MFE applicants are fully funded within 24 hours of submitting their application.
Understanding the difference helps you choose the right product for your situation.
| Feature | Business Cash Advance (MFE) | Traditional Business Loan |
|---|---|---|
| Approval Time | Same day | 1–4 weeks |
| Time to Funded | 24 hours | 2–6 weeks |
| Primary Qualification | Monthly revenue | Credit score + collateral |
| Collateral | Not required | Often required |
| Tax Returns | Not required | 1–2 years required |
| Credit Score | Not primary factor | Primary factor |
| Min. Time in Business | 3 months | Typically 2+ years |
| Repayment Structure | Revenue-based or fixed ACH | Fixed monthly payments |
Business cash advances use a factor rate rather than an annual percentage rate (APR). The factor rate is a simple cost multiplier applied to your advance amount. Here is how it works:
Factor rates at MFE start from 1.09. Your specific rate depends on your monthly revenue, time in business, and overall business profile. Your funding specialist provides the exact rate before you sign anything.
Business cash advance funds can be used for any legitimate business purpose. The most common uses include:
Cover payroll gaps during slow periods or rapid growth phases.
Stock up for peak season or take advantage of bulk discount pricing.
Replace broken equipment or purchase new tools and machinery.
Launch campaigns, hire marketing services, or expand your digital presence.
Cover commercial rent, utilities, or lease deposits during a cash gap.
Open a new location, hire additional staff, or enter a new market.
A restaurant with a $45,000 weekend catering event discovers their primary oven has failed on Friday morning. Replacement cost: $16,000. The owner applies for a business cash advance at 9am Friday, receives an approval by 11:30am, signs the agreement at noon, and has funds wired to their account. The oven is ordered Friday afternoon with emergency delivery and installation Saturday morning — the catering event proceeds without incident.
A small clothing manufacturer receives a purchase order for $120,000 from a regional retailer. Fulfilling the order requires $35,000 in fabric and materials upfront — net 45 days payment on delivery. The manufacturer applies for a $40,000 business cash advance, is approved same day, and funds are wired the following morning. Materials are ordered, the PO is fulfilled on time, and the $120,000 payment arrives 45 days later.
A dental practice needs to upgrade digital X-ray equipment before a scheduled insurance credentialing review. Cost: $28,000. The practice owner applies for a business cash advance Monday, is approved same day, and is funded Tuesday morning — 4 days before the audit. The equipment passes inspection, the credentialing is maintained, and the practice retains its insurance network contracts.
5-minute application. Same-day decision. Funded in 24 hours. $5K–$500K available.
Apply Now (305) 384-8391Same-day decision | 24-hour funding
Expertise: Our team includes certified funding specialists with years of experience helping businesses access capital.
Trust & Transparency: We're committed to transparent lending practices with no hidden fees or surprise terms.
Fast Approvals: Our streamlined process provides decisions within 24 hours in most cases.
Flexible Solutions: We work with you to customize funding solutions that match your specific business needs and cash flow.