Minimum time in business
Trading history is the first filter. Under 18 months is rarely fundable.
01Merchant cash advance
Working capital
in days,
not quarters.
Atlas Business Capital arranges merchant cash advances against your future card and bank revenue. No collateral. Same-day funding available on qualified files.
Maximum advance
From $15,000
Term
Factor rate
$15K$100K$500K$2M$20M
Factor rate
51018 MONTHS
Total you repay
$100,000 × 1.35 over 10 months
Weekly payment
You receive
Cost of capital
A bank term loan at 9% would cost about $4,171 on the same $100,000 over 10 months. A merchant cash advance is more expensive than a bank loan. If you qualify for a bank loan, take it. This calculator exists so you can compare.
Illustration only · origination fee 5% deducted at funding · not an offer of finance
- 18 months in business
- $10,000+ monthly deposits
- 500+ credit considered
- US business bank account
- No SSN required
- No documents on this site
- No obligation
Smallest advance
Largest advance
Up to last year's total
Funding on qualified files
02What it is
It is not a loan. It is the sale of future receivables.
You sell a fixed portion of your future sales at a discount and receive the cash today. There is no interest rate, no amortisation schedule, and no collateral pledged against your premises or equipment.
Because it is a purchase rather than a loan, approval leans on the health of your deposits rather than on your credit file alone. That is why a business with a 500 score and steady revenue can be funded where a bank would decline. It is also why an advance costs more than a bank would charge.
The trade-off
- Speed and flexibility a bank cannot match
- Approval weighted to deposits, not credit score
- No collateral, no fixed monthly instalment
- More expensive than a bank loan or line of credit
03Who qualifies
Three things decide it.
Requirements vary by funder, but almost every file turns on the same short list.
Average monthly deposits
Most files sit between $10,000 and $25,000+ in average deposits.
Credit considered from
Many funders work from 500–600+. A higher score earns better terms; it does not decide approval on its own.
Strengthens a file
- Consistent deposits with limited NSFs
- Strong accounts receivable
- Clean, complete bank statements
Complicates a file
- Existing advances: possible, but stacking limits apply
- Frequent negative days or bounced payments
- Highly seasonal revenue with long dry periods
04Estimate
What it actually costs.
Terms
$15K$100K$500K$2M$20M
Factor rate
51018 MONTHS
2%6%10%
Payment
Statement
Total you repay
$100,000 × 1.35 over 10 months
Weekly payment
You receive
Cost of capital
A bank term loan at 9% would cost about $4,171 on the same $100,000 over 10 months. A merchant cash advance is more expensive than a bank loan. If you qualify for a bank loan, take it. This calculator exists so you can compare.
Illustration only · origination fee 5% deducted at funding · not an offer of finance
05Process
Four steps to an offer.
- 01~5 minutes
Application
A short form with basic business and owner information. No SSN and no documents on this website.
- 02Same day
Documents
Recent business bank statements (usually 3 to 6 months), owner ID and a voided check. Sent securely, never uploaded here.
- 031–2 business days
Review
The funder reviews revenue, cash flow, existing obligations and overall business health.
- 04Then it is your call
Offer
You receive the advance amount, factor rate, term and the total you would repay, all before you commit to anything.
06Before you commit
When an advance is the wrong answer.
We would rather lose the file than place one that damages the business.
- You qualify for a bank loan or a line of credit. Take it. It will cost you materially less.
- The payment does not fit your real cash flow. Weekly debits come out whether or not the week was good.
- You are covering a structural loss. An advance solves a timing problem, not an unprofitable one.
- You already carry several positions. Stacking is how manageable obligations become unmanageable.
Always check
The total dollars you will repay (not just the factor rate) and the origination fee of 2% to 10% deducted at funding. Confirm the net amount that reaches your account, the exact payment, and the early-payoff terms before you sign.
If an advance is wrong for your business, we will tell you.
Find out what you would qualify for.
Tell us what the business does and what you need. No credit pull to get an indication, and nothing sensitive collected on this site.
Talk to usSpeak to a person
(305) 791-3797desk@atlasbusinesscapital.comMon–Fri, 9am–6pm ET · We answer in under 4 business hours.