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01Working capital

Merchant cash advances up to $20 million

Minutes to apply, same day to fund.

Funding secured by your cash flow, not your assets.

Get fundedTalk to us first

Same-day funding available on qualified files. No obligation.

Maximum advance
From $15,000

Term

Factor rate

  • 18 months in business
  • $10,000+ monthly deposits
  • 500+ credit considered
  • US business bank account
  • Same-day funding available
  • No property or equipment pledged
  • Fund up to 100% of last year's revenue
  • Weekly payments
  • $15,000 – $20 Million

What we arrange

Four instruments, and the sectors we know.

A merchant cash advance is the main one and the only one priced in public. Three others exist for the files an advance is the wrong shape for.

All four, comparedFunding by industry

By the direct lenders we place with

We work exclusively with proven funders.

02Estimate

What it actually costs.

Terms

$100,000
$15K$100K$500K$2M$20M

Factor rate

10 months
51018 MONTHS
5%
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

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03How it works

Four steps to an offer.

An advance is not a loan. You sell an agreed portion of your future receivables at a discount and receive the cash today, then remit a fixed amount weekly until the agreed total is collected.

Every step in detail
  1. 01

    Application

    ~15 minutes

    The full application, completed and signed here on this site. This is where a funder needs the detail: business and owner information, a date of birth and a Social Security number, and 4 months of bank statements and photo ID uploaded with it.

  2. 02

    Your go-ahead

    Nothing moves without it

    We read the file first and come back to you. Nothing reaches a funder until you tell us to send it, and you can withdraw that at any point.

  3. 03

    Review

    1–2 business days

    The funder reviews revenue, cash flow, existing obligations and overall business health.

  4. 04

    Offer

    Then it is your call

    You receive the advance amount, factor rate, term and the total you would repay, all before you commit to anything.

04Who qualifies

Three things decide it.

Requirements vary by funder, but almost every file turns on the same short list.

Minimum time in business

Trading history is the first filter. Under 18 months is rarely fundable.

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

Worth discussing first

  • Existing advances: possible, but stacking limits apply
  • Frequent negative days or bounced payments
  • Highly seasonal revenue with long dry periods
Full qualification detail

05Right fit

When an MCA is the right fit.

An MCA is a powerful tool when used correctly. Here is when it makes sense, and when another option may be better.

When it makes sense

  • There is a specific opportunity in front of you. Inventory, a contract or equipment whose return beats the cost.
  • Speed matters more than headline cost. Days rather than the weeks a bank would take.
  • Your deposits are strong but your credit score is not. Approval leans on cash flow, not collateral.
  • You are bridging a known receivable. The money is coming; the timing is the problem.

When another option may be better

  • You qualify for a bank loan or a line of credit. Take it. It will cost you materially less.
  • The weekly payment does not fit your cash flow. Payments 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 worth talking through before you add another.

Worth checking either way

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 weekly payment, and the early-payoff terms before you sign.

If an advance is wrong for your business, we will tell you.

The longer answer

Find out what you would qualify for.

The application is the first step and it takes about fifteen minutes. We do not pull your credit: the funder does, after you have signed the application.

Get fundedTalk to us first

Speak to a person

(305) 791-3797funding@atlasbusiness.capital

Mon–Fri, 9am–6pm ET · We answer in under 4 business hours.